vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I visited my XXXX XXXX XXXX 's office for XXXX XXXX and tests. Total billing was {$220.00}. In XXXX, XXXX my insurance XXXX declined the claim as " administrative services are not covered '', thus {$210.00} of the billing was not paid by insurance On XX/XX/XXXX provider transfer the bill in the amount of {$210.00} to Collection Agency " XXXX XXXX XXXX '' On XX/XX/XXXX I paid provider the full amount of {$210.00} with my own credit card On XX/XX/XXXX, When XXXX  XXXX XXXX run my credit report with XXXX, it still shows that I have " a derogatory public record or collection appearing on my consumer credit report '' On XX/XX/XXXX when XXXX XXXX XXXX run credit report via XXXX XXXX,  it shows, again " i have Derogatory public record or collection filed '' I have called XXXX XXXX XXXX many times requested documents about my account payment as well as status, I have not received any from them

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 2019-11-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a collection from XX/XX/XXXX on my credit report which has plummeted my credit score that I have worked for five years to rebuild. 
XXXX  makes it impossible to reach a human being, blocks me from signing into them, lies about having called me and refuses to remove a collection from almost five years ago that suddenly appeared on my credit report this year. A ) There are two people listed on the account that I have knowledge of, B ) They never billed me after sending me a FINAL BILL in early XX/XX/XXXX & C ) the account was supposed to have been switched to someone else! 
I have gone back & forth with XXXX for three weeks. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I received a notice on XXXX/XXXX/2019 that my 13 month CD account auto renewed for 13 months. 

I was never notified that the account was going to roll over, and it was never made apparent to me at account opening that the account was on an auto renewal. 

I spoke w Synchrony on XX/XX/2019 as soon as I received this notice that the account auto renewed. Synchrony is insisting I must pay a {$500.00} penalty to close the account. 

Synchrony claims they sent a notice of auto renewal on XXXX/XXXX/0219. This notice was never received. This money is badly needed for some immediate expenses that were planned with the expectation of this money for many months in advance. There is no scenario in which I wouldve wanted these funds to rollover, I fully expected the funds to be returned at maturity of the 13 month CD.

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 2019-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I spoke with at least three separate Citi employees at Citi 's Credit Card Customer Service, at least two of whom where supervisors, who told me that I would receive a refund for my secured credit card security deposit of {$2500.00} by XX/XX/XXXX. I initially received a letter stating it would take longer, but I first called on XX/XX/XXXX and was promised by Citi that the refund would arrive within 30 calendar days as I had asked for the process to be expedited. I confirmed this promise with three Citi employees. 

However, I called Citi 's Credit Card Customer Service on XX/XX/XXXX to check on the status of my refund check and was told that I would not be receiving my refund by XX/XX/XXXX, and that instead, the check would be mailed on XX/XX/XXXX. This statement was completely out of line with what I had been told. I attempted to find out why Citi 's promise was being reneged on and why I had received blatantly false information, but the supervisor I spoke with was unclear, evasive, and refused to answer any important yet basic questions. I tried to ask who would be accountable for the misinformation given to me, and requested an explanation for how, not one, but three Citi employees could all confirm I would receive my refund by XX/XX/XXXX, yet now this supervisor was telling me that the refund check would not even be mailed out until XX/XX/XXXX. 

This use of false information to get clients off the phone is absolutely unacceptable and this situation reeks of fraud on Citi 's part. Citi Customer Service representatives should never lie to customers about the timeframes for receiving secured credit card security deposit refund checks. I am very displeased at Citi 's brazen disregard for ethical banking and lending practices.

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 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : CAPITAL ONE BANK USA NA # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX .They are in violation of FDCPA XXXX. Demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: FL

Complaint narrative:
I Check My Credit. I Notice Fraudulent activities, with Fraud Accounts That I did Not Authorize This is Insane and very stressful. I need Assistant to resolve this Matter

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 2019-11-09 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I made a transaction on XX/XX/2019 through PayPal for tickets to a XXXX   game and we believe it is a scam. The transaction was for XXXX and we were in contact with the merchant until she told us we paid her in the wrong form the first time so we used another account. And after that we lost all contact with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: OH

Complaint narrative:
Delinquent accounts showing in my name on my credit that was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Check My Credit. I Notice Fraudulent activities, with Fraud Accounts That I did Not Authorize This is Insane and very stressful. I need Assistant to resolve this Matter

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 2019-11-09 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: FL

Complaint narrative:
I Check My Credit. I Notice Fraudulent activities, with Fraud Accounts That I did Not Authorize This is Insane and very stressful. I need Assistant to resolve this Matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a checking account with Citi earlier this year to obtain a {$200.00} promotion they were offering. 

After leaving more than {$5000.00} into my account for months ... I did not see the promotional credit. I attempted to reach out to them to obtain the credit but they were evasive and denied me. 

In early XX/XX/2019 I XXXX  out my account and asked for a closeout. After no closeout was processed, Citi proceeded to charge me a $ XXXX  monthly maintenance fee for low balance ... despite my request to close the account out and not have any money in the account. That fee made my balance XXXX ... which then triggered an automated {$34.00} overdraft fee from Citi. I proceeded to complain in early XX/XX/2019 and they indicated they would override the {$25.00} maintenance fee ... but kept the overdraft. However they assured me that both fees would be waived when closing my account on XX/XX/2019. After a week, i had to contact them again on XX/XX/2019 since my account was still not closed. 

I believe this is unethical. They first neglected to honor their promotional credit ... then charged me multiple fees to reduce the promotional credit they promised. Then they made it quite difficult to close the account ... I've made 3 Requests at this point.

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 2019-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
I was never contacted by the company for this debt. It was a joint account, both parties should have been contacted but I was not. The bill that was sent by the original company, was back in XXXX, when I spoke with them, they said the other party on the bill was paying. Next thing I know, it shows up months later on my credit score. I was never contacted by this company and I was never given anything to contact them with. Their number isnt even valid that shows up on the credit score report when I filed a dispute. A company should send information to someone with contact info in they want a response. Very shady business practice.

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 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I have an account with SunTrust Bank, my debut card was limited and unable to use it ; Ive tried to reach out to SunTrust to my account status, On XX/XX/XXXX I made a deposit of a check from my own account at another bank into my SunTrust account ; my bank on the other end decided not to honor my single party check. On XX/XX/XXXX my debit card was restricted and the funds in all of my accounts were placed on hold. As of XX/XX/XXXX SunTrust still can not tell me what they will be doing. The funds in my checking account are so rightfully mine and I have no debts to Suntrust that they need to hold the funds to cover. Theyve stated that they are closing my account however they have not yet closed my account or given me the funds from my account, a check was deposited that bounced so I understand the need to hold the funds to cover, however the amount of the check was never withdrawn so the bank didnt have it to cover it. Ive worked with the branch manager for how has tried to resolve this issue for me however SunTrust office is giving him problems and wont give either of answers about closing my account or when I will receive the balance in my checking account. The branch manager has been kind enough to keep me updated everyday and the balance in my checking account is still there, its just on a NO DEBITS status so he can not was release the cash to me. I need CFPBs help to resolve this issue with SunTrust

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 2019-11-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
EQUIFAX I'm filing this complaint via the CFPB on XX/XX/19 you sent a letter stating that you had completed an investigation on the Following account and the status was Verified and reporting correctly. So I want to Move forward with your Method of verification I want you to send me what Information you sent to the the creditors and what Information did they provide you back also the name and Phone number of who you spoke with because these accounts are not reporting correctly on my credit file. I will also need for you to send this information By the CFBP Website an EQUIFAXI don't want any small talk I want PHYSICAL PROOF the ftc website stated that you have 15 days to complete this request.. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX PLEASE ONLY SEND YOUR INVESIGATION DOCS VIA THE CFPB WEBSITE SITE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have XXXX bill for XXXX I was contacted by XXXX-Jefferson Capital and offered a settlement for XXXX and I would make payments of XXXX monthly until it was paid. 
I agreed to the settlement only with the stipulation that it would be removed out of collection on my credit report and the balance be updated. Also show to be in repayment. 
I made a payment on XX/XX/2019 and XX/XX/2019. 
I just got a notice from XXXX  that this is still reporting in collection and nothing has been paid on it and balance is still XXXX. 
I upheld my part of this arrangement. I am making the payments. Jefferson and XXXX are not upholding their part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis is reporting a bankruptcy to XXXX, XXXX  and XXXX that has not been properly verified and is unverifiable. Ive contacted the Bankruptcy court in which the agencies state LexisNexis reports to these information from and was advise information can only be verified via PACER system. 

Ive made two attempts to resolve this issue directly with LexisNexis and they continue to violate my rights by not deleting the information in which they are unable to verify or provide me with the step by step method of who and how the information was verified. In fact on my last attempt to resolve the issue with them they have violated another consumer right by failing to respond with a 30 day period. 

I asked for your help to get a resolution within the next 15 days as they report of unverified information is cause harm to my ability for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I have XXXX bill for XXXX I was contacted by DCI-XXXX  XXXX  and offered a settlement for XXXX and I would make payments of XXXX monthly until it was paid. 
I agreed to the settlement only with the stipulation that it would be removed out of collection on my credit report and the balance be updated. Also show to be in repayment. 
I made a payment on XX/XX/2019 and XX/XX/2019. 
I just got a notice from XXXX  that this is still reporting in collection and nothing has been paid on it and balance is still XXXX. 
I upheld my part of this arrangement. I am making the payments. XXXX and DCI are not upholding their part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: FL

Complaint narrative:
REMOVE THE FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Claim ID # XXXX. I was told that my claim was denied because you guys thought that it was a duplicate charge and the merchant had credited my account for it. I explain that it was two separate charges and faxed all documentation showing the charges and what the merchant said. My claim was never reopened and I keep being told by the merchant that I have to dispute my charge with my financial institution.

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 2019-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE THE FRAUD

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 2019-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: NC

Complaint narrative:
On XX/XX/XXXX date disbursed repayment start/ deferment end date XX/XX/XXXX principal balance {$3500.00} payment amount {$37.00} due day on XX/XX/XXXX XX/XX/XXXX principal balance {$6200.00} payment amount {$67.00} due day total current payment due monthly {$100.00} estimated to to be repaid unpaid principal balance {$9700.00} accrued unpaid interest to be capitalized {$98.00} interested payable {$2600.00} total amount to be repaid {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
2 disputes on Transunion about 2 account that were opened fraudulently and they say I still owe when I did NOT open or use those accounts. I have disputed this 3-4 times and they say I still owe and I DO NOT owe anything to these people. The dates last disputed were XXXX and they resolved the issue on their end on XX/XX/XXXX or XX/XX/XXXX. I want this off my credit report because my information was stolen and used to open these accounts.

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