vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: MA

Complaint narrative:
Citibank closed my account implying fraud activities, I spent more than a month trying to resolve the issue before theuly closed the account. I waited more than 20 days for the check with the remaining balance to arrive by mail and decided to call them for clarification. The representative told me they would provide a stop payment on that current check which I was told was sent on the XXXX of XXXX, and that they would send a new one. This was around the XXXX or XXXX of XXXX last week. Idecixed to call them up for clarification on this substitute check sent and like it has always been from the start, they made it really difficult to provide ANY information on the issue. All they provided was that the issue is under investigation and that they could not provide any further information. In other words, they completely ignored the fact that snother substitute check was sent ( or not ). I feel completely HELPLESS and that they are playing me and most likely other custumers as fools. I have over XXXX XXXX dolars from my hard work pay and have not seen a XXXX of it ever since. Considering how dificult it has been for people to overcome this current pandemic situation, this has affected me to a higher level.

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 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a call the day before Christmas XXXX. A very rude male, kept talking to me like he knew me. It was the holidays I played along. 

That's when I was told that I need to pay my bill. The person refused to identify, or transfer me to supervisor. 

Continued to talk down to me. I refused to verify any of my information. He said that was ok. He would make sure I knew who he was. 

Not long after I noticed repetitive derogatory flags on my credit reports. Some days apart, some the same day, never longer than a week apart since. Derogatory marks for late payments. 

Not long after I was served paper work, late at night by a female pounding on my front door. Pretending to need medical assistance. 

So I finally see who has been causing all of the XXXX. 

XXXX card services sold my debt. Which was XXXX $ to Midland credit who says I owe XXXX $ This card was payed on time for years. 

I was severely injured at work, workers compensation cut me off short after. I spent my savings trying to stay a on top. 

It came to credit card bills or food for my family. 

Food for my family was an easy choice. 

Now a year later I have numerous derogatory marks on my credit from midland credit. From the same debt. 

They never sent anything to the house to verify anything. 

I went to the pre trial day before yesterday. 

I pleaded that I have no job and only have XXXX $ a WK unemployment. I have no money to pay. 

I said I could try to establish XXXX $ to stop them from proceeding. He refused the offer 'stating it was insufficient ' and requested a trial. 

I apologized. Telling him that, the money I had was for rent. He kept telling me it wasn't enough. 

I couldn't have felt smaller, more belittled. 

I was given the contract information for an automated network. Told to call talk to somebody else. 

Now I have a trial, and wake up to more derogatory dings on my credit. For the same debt, the day after court. Just days after the previous one. 

There employees are intentionally causing unjustified harm to my credit and well being. Because I didn't simply comply with their request to pay XXXX $ I am Worried that they will not stop until someone intervenes. 

How can they continue to batter me? The debt hasn't been payed in years? How can the make current derogatory records repeatedly, stating im missing payments.. 

The company sold the debt. Midland credit had never formally identified themselves or my debt. 


In XXXX and a pandemic. This is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In XX/XX/2021, Ally Financial offered an Extension Agreement for my automobile loan for one month as follows : A scheduled payment of {$150.00} will be due XX/XX/2021 and the remaining scheduled payments of {$370.00} each will be due on a Monthly basis beginning XX/XX/2021. 

Ally Financial followed up this Agreement in writing ( see attached letter dated XX/XX/2021 ). 

Payment in the amount of {$150.00} was paid to Ally Financial on XX/XX/2021 as agreed. 

XX/XX/2021, Ally Financial emailed me a notice stating that I am 27 days past due. 

I have tried to contact them via telephone and by email ( see attached ) dated XX/XX/2021 to correct this past due status. 

How can you be 27 days past due one day before payment is due? 

The collection department states I am {$860.00} past due as of XX/XX/2021 and the Customer service department states I am {$1200.00} past due. I can not get them to agree to the terms they agreed to in writing with me. 

XX/XX/2021, Ally Financial sent a letter apologizing for incorrect due date on the extension however, they have reported their error on my credit report and in their records and expect me to adhere to their error.

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 monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I went to the Emergency Room at XXXX XXXX on XX/XX/XXXX and even though I provided my health insurance card information I started receiving invoices from the agency Credit Collection Services. During XXXX, I contacted XXXX XXXX Department on XX/XX/XXXX, XXXX and XXXX and they told me they sent the invoice to the health plan. After more than 1 year, I contacted XXXX Billing Department on XXXX and XX/XX/XXXX and informed Credit Collection Services was sending me invoices through mail for a bill that was paid by my health plan. The agent XXXX from XXXX XXXX Department told me that the issue was solved and that XXXX should not be sending more invoices to my house. On XX/XX/XXXX, I contacted Credit Collection Services and spoke with supervisor XXXX XXXX who told me my explanation of benefits wasn't enough because XXXX Faculty Physicians never removed the hold in my case. I explained XXXX XXXX that the explanation of benefits clearly shows that my health plan paid for the services and there was XXXX charges for copayment. On XX/XX/XXXX I contacted XXXX Billing Department again and agent XXXX told me that she was going to refer my case to her supervisor because the case was closed with CSC on XX/XX/XXXX. 

I can't believe after 1 year, the Credit Collection Services agency is sending me letters and telling me that I owe {$170.00}. I provided evidence through the portal www.ccspayment.com that shows I don't owe anything for copayment for the services provided on XX/XX/XXXX by XXXX Faculty Physicians. Also, when I called XXXX Billing Department they told me they close my case with CSC. 

XXXX XXXX DEPARTMENT XXXX CREDIT COLLECTION SERVICES XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I am submitting this complaint as an intent to get some help on this matter. tI am very concerned. There are three late payments reported on my CHRYSLER CAPITAL account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These late payments are being reported different across bureaus, which shouldnt be happening. This is a violation under the FCRA. I dont want to focus on this violation but its important to mention it because it creates confusion and my credit score gets affected. 

On the dates mentioned above, I was not actually late. There was a third-party company that was supposed to make the payments on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payments were on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

I am requesting Chrysler to correct the late payments reported on the months mentioned above. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 3 years and I want to keep on having a good relationship between us. 

I really hope you can deeply research this case and take a fair decision. 

Account information : Account number : XXXX XXXX XXXX Opened date : XX/XX/XXXX. 
Highest balance : {$27000.00} I have sent to Chrysler the letter from third-party company as proof of their error. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. XXXX has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave EQUIFAX, XXXX, or XXXX any written consent to report anything on my consumer report, No consent is identity THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
CAPITAL ONE I PAID ON THE WEBSITE XX/XX/XXXX AT XXXX CENTRAL TIME I HAVE PROOF IN WRITING THAT I DID THAT. I ALSO PAID IT AT XXXX THE MONTH BEFORE AND THEY CHARGED ME A LATE FEE THIS TIME OF {$38.00} AND LAST TIME A LATE FEE OF {$25.00}. IM NOT HAPPY THAT THEIR WEBSITE IS SHOWING THAT I PAID LATE EACH TIME ITS WRONG. I WILL NOT PAY THIS CARD UNTIL IM CREDITING FOR THIS LATE FEE. THEY SAY I PAID AT XXXX EASTERN TIME AND I DID NOT. THERE SYSTEM IS HAVING PROBLEMS THIS LAST 2 MONTHS CHARGING PEOPLE I KNOW ALSO FOR LATE FEES WHEN THEY ARE NOT LATE EITHER. 
I CALLED XXXX MGR AND XXXX  MGR NEITHER ONE WOULD CREDIT ME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Someone by the name of XXXX XXXX has used my personal information for a order with XXXX over a year ago. I have contacted XXXX several times since last year and each time Ive spoken with them I have been told that the order was marked fraudulent but they have not refunded the loan company that issued the payment, which is XXXX. The person applied for the loan with an address that I have not been associated with in over 10 years. This matter is getting out of hand and is causing me great frustration. I have taken all of the steps necessary and have cooperated with both companies. Theres nothing more I can do.

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 non-monetary relief
Consumer complaint received 2021-04-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Guild Holdings Company
State: AZ

Complaint narrative:
I got a call from XXXX XXXX with Guild Mortgage, stating that I needed to redo my refinance. I questioned him because I had just finished my refinance three months prior with with Guild, and he wasnt my loan officer. He told me he was taking over for my loan officers workload and advised that my file had been audited. He told me the refinance would be at no charge to me because they had messed up on the refinance and the it would benefit me cause I would've getting a lower rate. I told him I had concerns with my credit and didnt think I would qualify any longer because my credit score was now under 580. XXXX advised not to worry because they would have to pay for all the fees even for the credit repair. I didnt feel comfortable with his answers and didnt understand what he was telling me, I talked to my prior loan officer who no longer works for Guild to see what the problem was. I advised I would give him a call back the next day.

My prior loan officer confirmed that my loan had been audited, but when I advised him that my credit score was below 580, he told me they may not be able to do the refinance because of that. I sent XXXX a message letting him know that I was willing to help get the refinance completed. Then I saw there was a credit check done a couple minutes after I had gotten off the phone with XXXX the previous day. I did not give consent to pull my credit report because I had concerns with my credit score. Since XXXX has pulled my credit I have tried numerous times to call and email to get a response from him on what was going on and why my credit was pulled. In my attempts I have only spoken to his assistant XXXX. She advised he would be giving me a call back and to this day I have not received a response email or a response call from XXXX. To me it feels like he pulled my credit even though I advise I had concerns with my credit, to find out my credit wasnt in the shape it needed to be in order to do the refinance. XXXX was not listening and his only concern was to get the audit cleared on my file and wasnt listening to me when I said my credit wasn't where it should be. I didnt understand why my file needed to be redone and what he was asking me. He was confusing and not listening to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This is not my debt. I have recently been monitoring my credit report and This company has listed two collection accounts on my credit report within the last week. I have tried to contact this company several times with no luck due to rude and unprofessional service. I do not have an account with this company nor do I owe them for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have been sending request to Experian and XXXX since last year and I'm not receiving responses from the credit bureaus. I sent investigation requests on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I even decided to send it certified after the non responsive attempts. I have proof they even received my last letters for an investigation and I'm not hearing anything. I attached the notice of delivery. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they couldn't verify in the time given.

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 non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal accepted debit authorization in the amount {$260000.00} from XXXX XXXX car, Against my canceled debit card, I did not retain XXXX rental car services, XXXX XXXX XXXX XXXX provided XXXX XXXX car to me as third party accident victim, And informed me that my card would not be charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I had 2 health service debts for collection on my credit account amounting to {$40.00} and {$30.00} from XXXX XXXX issued on XX/XX/XXXX. I tried contacting the hospital but they had no record of it in their system. So I contacted the debt collection agency ( Simon 's Agency Inc. ) and paid the full debt owed and cleared my account on XX/XX/XXXX with verbal verification from them that the collections will be cleared from my account in 30 days or less, but it never did and the negative impact from the collection is still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. TransUnion has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, TRANSUNION, or XXXX any written consent to report anything on my consumer report, No consent is identity THEFT.

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. XXXX  has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX XXXX, or Experian any written consent to report anything on my consumer report, No consent is identity THEFT.

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have logged in to my credit monitoring and found that a positive account XXXX with Account No. XXXX is not being reported in one credit bureau which is Equifax but is reported in the other two - XXXX and XXXX I am confused as to why so I sent them a letter to have this account reported as this is tremendously hurting my score. I am trying to be approved for something and that is why it is important for me to have all of the positive accounts that would help my score to be reported as much as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: FL

Complaint narrative:
I sent a 3 requests to Equifax, XXXX and XXXX  on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. This is a major violation of my rights. This is not right. They are not responding or honoring my request. I decided to send certified and still, no response. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. I shouldn't have to continue to have a negative mark on my record because they couldn't verify any of my accounts. Not responding was only giving creditors over 8 months. This is ridiculous!

Company response to consumer: Closed with explanation