vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Very bad experience horrible experience I applied online I was given a reference number to call to process the app I called they refused to process it claimed I will get letter wihh the pin and have to call back letter was never received or mailed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX my account was blocked without notice from Citibank. At the time there was {$1000.00} in my account. Friday, XX/XX/XXXX my payroll was directly deposited into my account from my job. The total amount of the deposit was {$2700.00} ... at the time the balance in my account was {$3700.00} My account was still blocked and I was unable to access my money. I called the bank several times and was hung up on with the phrase " your account is under review and I can't talk to you! '' This went on for several weeks. 

I was unable to pay my XXXX rent due to my XXXX paycheck and other funds being held without cause. I went into the bank to get help and was told that my money was returned to my employer and I should ask them to reissue. 

As of XX/XX/XXXX XXXX  has confirmed that Citibank never sent my payroll + the {$1000.00} that was in my account. 

Due to this my credit cards were frozen until I provided an explanation for why my payments were returned. I was unable to buy groceries and pay my utilities. 

To date : XX/XX/2021 I still have not received my {$3700.00} that was stolen from account by the employees of Citibank. 

I am a small business owner and this has ruined my business for the Summer. I have lost so much money not being able to set up at the XXXX market with my organic products. This one gross act by the bank has costs me nearly {$20000.00} in revenue at the XXXX 's XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021 Chase called us about XXXX XXXX card being 30 days overdue. We were eventually transferred to XXXX XXXX in the credit Bureau escalation department. XXXX claims we went online XX/XX/2021 and requested paperless. We would have never done this. We feel maybe if true but we dont believe. I dont remember ever logging on at all. If we did then the complaint is we were tricked into going paperless. We now have a 30 day late reported on our credit. I would like this removed. XXXX would not let my husband talk to her even with my permission. XXXX XXXX would not give us her last name. Mature would not let us talk to anyone else. XXXX refused to give us an extension or anything else that identified her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: MA

Complaint narrative:
This company contacted me about a debt I have no knowledge of and I feel that my consumer rights are being violated. According to FDCPA Section 807 : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Thank you for your timely response to my recent complaint. In your letter your stated that I have a right to : Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by her to whomever has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certegy Holdings, LLC
State: OH

Complaint narrative:
I was contacted by a collections agency claiming to have purchased debts from Certegy, a company I have never signed up for or heard of. They claimed the charge was for some payment that didn't go through on my bank account 5 years ago and said they've been trying to get ahold of me. This is literally the first time I've heard of it ; they claim they've been sending mail to MY CHILDHOOD HOME ADDRESS, and are therefore " very disappointed ''. I asked why I was never told about this debt. They claimed the business who charged me would never have told me and there was no way for me to know ; they claimed it happened 5 years ago and they've attempted to mail my childhood home to tell me. Then, they went on to tell me the charge is for $ XXXX. I've already paid my debts off around my life ; they are now telling me I have some ghost debt for $ XXXX of course, and when I went to the records to see the charge they claim spawned this whole thing " that I wouldn't have known of '', it was a receipt for {$15.00} on XX/XX/2016. 

I told them this is crazy ; I will not be paying $ XXXX. The company is called XXXX XXXX XXXX or XXXX for short, phone number XXXX XXXX address : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
This is now the second complaint I am filing against this company. This company stated in the last response they sent validation many times to addresses that are NOT known to me and spoke with me which I NEVER re call ever speaking with ANYONE. I am requesting FULL VALDATION, signed authorization be sent to me through the CFPB portal which can be uploaded so I can review the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX is trying to said that I owe for an account that I don't.. I have reach out to this company and still nothing.. They sold the account to XXXX XXXX and Portfolio I have been going back and forth with these two companies, because I'm not paying a bill that I don't owe..I asked for proof and they sent me two bills months apart, so I ask them what is this.. These are two different bills from months apart. I was told that is what their client sent them, and that's all they had.. I'm like if you said that someone owe something you suppose to have concrete proof.. Some of the reps had gotten nasty telling me that I'm going to pay it.. I also received a disrespectful letter from the company. They wS reported to XXXX and the credit bureaus and they stated to me that they are not going to keep replying to my request and this will remain on my credit.. I'm tied of going back and forth with these people.. Something need to be done where these companies can't conduct business again, because you trying to get money from people that don't owe you.. This don't add up to what they are trying to do.. I refuse to allow them to get me like that.. My next step will be legal action, because they need to be shut down.. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

15. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine. 

18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CB/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft DSNB XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number  : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft CB/XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: NM

Complaint narrative:
I paid a collection account in full that I owed to IQ Data Intl. and my credit score dropped 30 points and it is showing as closed with a XXXX balance but not paid. I spoke with IQ Data to request a removal and they stated they wouldn't do it. Now my credit instead of being good is shot. Please let me know what my options are here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to XXXX, XXXX, and TransUnion a 30 delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XXXX XXXX, XXXX reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to XXXX but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to XXXX, Equifax, and XXXX a 30 delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XX/XX/2021 reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to XXXX but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EdFinancial Services
State: CA

Complaint narrative:
Received spam calls daily for at least a year. Usually only three different people. 

I was firm that I want them to please stop. The person from the fraud scam pressed me for information. He wanted to collect data, specifically my date of birth and the last four digits of my social security number. 

He kept pressing for information, I was fuming. 

I told him my number and to never call me again. I hung up on him after he refused to cooperate. They are evil and persistent, I can only imagine how many people they have cheated! 

The very next day I received several calls. I'm done with these cheats! 

I checked my student loan account and everything is fine. The government extended payment of student loans due to covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
15 USC 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The creditor did not follow procedures according to 15 USC 1637 ( b ). 
Please remove late payments/change to paid as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY CHEXSYSTEMS REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation