vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: OH

Complaint narrative:
I, XXXX XXXX, ( a natural person ) I do not owe such debt and this is a clear violation of my rights under Title 15 U.S.C 1692 ( e ). Thru U.S. Postal Service Via certified mail on XX/XX/2021 I sent them a letter to Cease and Desist their fradulent activites and they still failed to do so and still continued to use this false information against me. I also requested that I be provided with validation from XXXX XXXX and XXXX XXXX  of these alleged debt and it was not provided. I left over 7 messages for a manager with the company and received no responses. They continues to willfully keep the false debt listed on my credit report. They are unable to validate the debt and still did not remove it. This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the loss of income, troubles, and mental stress this company is causing me by being complicit in violating my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am sending this message to complain CitiBank AAdvantage card for unreasonable late fee charged on my account and the monthly interest that was charged later on every month. 
With this card, there was no annual fee for the first year and after that there would be a {$99.00} dollars fee annually. In XXXX, I scheduled the payment of {$99.00} dollars online and selected the " due '' date for the payment, which was on XX/XX/XXXX. On XX/XX/XXXX, my account was charged for a late fee {$29.00} dollars, another late fee {$1.00}, and an interest {$1.00}, which I did not agree with. In XXXX, my account was charged with a late fee {$40.00} and interest {$1.00} on top of previous charges and the situation continued until XXXX XXXX when I called the Customer Services to dispute those fees and interest. I was told that the {$99.00} annual fee payment was received on XX/XX/XXXX instead of XXXX  that I selected for the payment on due day, so there was an one day late fee of {$29.00}. I argued that I selected the due date online but actual transaction might occurred later, which I had nothing to do with it. So the customer service representative agreed to remove the fees and interest to keep me as their customer. Now I noticed that initial late fee {$29.00} and {$1.00} and the interest {$1.00} were refunded, but the subsequent monthly fees and interest were still there for me to pay. I believe that those subsequent fees and interests were based on the initial late fees and interest and if they had been refunded, so would be those fees and interests charged in the later months. It is unethical and unreasonable for a bank such as CitiBank to do such a thing like this to rob its customer.

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 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL

Complaint narrative:
I ordered a money card reading machine for my business the machine did not work and I mailed it back with permission from company. I did not even used the card reading Machine and the collection company that is now trying to collect debt, I dont have a contract with them. And collections increase every month. Please help me to get this off. I dont owe them anything and this was suppose to be set up as a business account. I never ever used the machine because it was broken and I never had money deposit to my account using their machine because I returned it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
So I'm XXXX of 2020. I had received my funding from Nevada Pandemic unemployment assistance. It was XXXX. I had tried to use my card but they blocked the card for about 11 months..I just noticed that there was two transactions that got denied because of the block. Both transactions were for XXXX dollars. Stated it was submitted and payed out but I didn't get the money due to the card being blocked. I called and called Bank of America over and over just kept getting getting the card had been blocked and I needed to contact my sponsor. They have done this more than one occasion. I had contacted unemployment but they had me on a waiting list for 10 months. I couldn't even dispute the charges due to the fact that everytime I called they wouldn't even speak to me they would say contact my sponsor. I don't think this is right to take money that didn't get paid to me bacuse they blocked my card

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 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On early XXXX, I received a collection letter through the mail indicated that I owe a balance of {$6500.00} to collection company called PORTFOLIO RECOVERY ASSOCIATES , LLC, it also states the Seller company XXXX XXXX  XXXX XXXX, Original Creditor XXXX XXXX XXXX I have never had any accounts with any of the stated banks or companies whatsoever, this is definitely an identity theft fraud account that have no clue where it came from or who would have done it. I filed a fraud account with both XXXX and XXXX as this account showed only on their credit reports. I also filled a Police Report at my city, and called the merchant XXXX to report fraud account. No updates have received yet up until today 's date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
" XXXX portrayed itself as an affordable alternative for us looking to lower their energy bills, but sales reps misled us about solar energy contracts and failed to provide essential information that would have allowed us to make informed decisions, '' robot-calls and receiving open letters in mail box allowing public shamming, exposing my personal information to public with false information from debt collection from this company " A Professional law corp '' caine & weiner XXXX XXXX XXXX XXXX XXXX  XXXX ca XXXX amount of {$28000.00}. 

Re : notice of default ( the customer agreement ) C & W account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Nation Credit System is trying to collect debt for another company XXXX XXXX XXXX XXXX XXXX, SC. it was put on my credit on XXXX XXXX for {$1400.00}. Lately they have been changing the amount from XXXX to XXXX. I even called to pay it off but I asked to send me a letter stating if I pay the full amount they would delete it. She refused to do it. She was very rude. If they was just trying to collect the money why is it a big deal to send a promise to delete letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Refinance closing executed XX/XX/2021 LoanDepot and Closing USA Lender receipt of documents but not check provided to closing agent during signing. Lenders says closing agent lost check 2 days after confirmation of received documents package. Documents and funds shipped in the same package and tracking number. Documents received but check lost check amount {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: KEYCORP
State: NV

Complaint narrative:
Im filing this complaint as. In I never asked for outrages and kind gestures saving. It is competitively hard to get a job in a local economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Date : XX/XX/2021 Balance : {$5500.00} XXXX XXXX XXXX Date : XX/XX/2021 Balance : {$32000.00} these account are un authorized accounts that are affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
during Covid from last year, the gym membership was closed as a state law mandated the members were not obligated to make payment .XXXX XXXX charged me even the gym was closed and sent me to collection .They also have a duplicate collection under my name, the one does not belong to me .I am requesting the credit bureaus to verify the inaccuracies and delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is regarding a letter I sent XX/XX/28 certified receipt # XXXX. Pertaining to XXXX accountXXXX. I informed Experian that this account was illegally reported on my report and that I disputed XXXX and never got a reply. I disputed it with Experian and I received a response that the account was updated when it shouldve been deleted. All other bureaus have removed except Experian Im asking for removal of account and Ive attached copy of letter I sent to Experian along with their response

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 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am receiving mail from a debt collection organization call resurgent capital services requesting an amount of {$120.00} on behalf of original creditor indicated as XXXX and Company and current creditor is listed as LVNV funding account listed last digits XXXX. I have never had an account with XXXX under the number listed. I also call this organization at XXXX XXXX And was informed that this debt is from 2008. Although This debt is invalid an account from 2008 is past the statue of limitation. I do not want to be contacted by this organization again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
Each bureau is responsible for ensuring that they are accurately reporting info on my credit report. Ive reached out to equifax previously and informed them that the account from child support doesnt belong to me. I even sent a letter to the address equifax is reporting is not EVEN FOR CHILDSUPPORT ITS FOR AN AGRICULTURAL COMPANY in XXXX. So anytime equifax has said theyve verified information as account theyve clearly been lying because the contact info equifax has for me to reach out is WRONG!!! Ive attached a copy of my credit report along with they letter I sent out to child support trying to get this removed from my credit because equifax is reporting inaccurate info Ive also attached a copy of my Id and social and any other info so that equifax doesnt lie and say they cant find me in systems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 60 days!!! When I call to check on each respected document with each bureau, I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been going back and forth with LVNV funding about this account that they alleged belong to me I requested validation of debt, a contract bearing my signature I sent a follow up letter on XX/XX/21 and received no response its been well pass the 30 day time frame and Im requesting removal of account XXXX XXXX has already agreed to delete account why is LVNV harassing me? Please help Ive attach certified receipt and letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: GA

Complaint narrative:
XXXX XXXX XXXX  kept reporting fraudulent charges from the gym XXXX, months after I contacted the gym and attempted to cancel the membership. Since I started disputing the fraudulent charges, my account has been reported late to the credit bureaus, which is a violation of the Fair Credit Reporting Act. I have submitted all the necessary documentation and yet you continue to report these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for a Citi XXXX checking account because it advertised a XXXX XXXX XXXX AAdvantage bonus miles promotion if certain terms were met. Mainly, the terms were to spend {$750.00} in qualifying debit card purchases within 60 days after opening the account and to make a qualifying bill payment for 2 consecutive months within the same 60 day window. I met all these requirements, but Citi is refusing to credit me the XXXX bonus miles because although all transactions were made within the 60 day window, one of them posted just after the window. This seems like a disingenuous move on Citi 's part because I only opened this account and spent {$750.00} just for the bonus miles, and to have one transaction " post '' just outside the qualifying window is very unfair. For whatever reason, this one transaction took particularly long to post, whereas others posted very quickly. I am not claiming that Citi is doing this intentionally, but I just wish they would at least have the courtesy to make the exception in my case since I clearly made all the transactions and qualifying activities within the 60 day window. {$750.00} is no small amount to spend and I feel as if I have been deceived by Citi.

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 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Under the CARES ACT due to Covid 19 creditor must offer a financial payment plan if the account was current prior to Covid the company failed to do so I asked and was told that they didnt offer anything as a result of Covid lack of work and unwillingness from the creditor a late payment was reported impacting the livelihood of my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX experian updated my card balance when my closing date isnt until the XXXX of XXXX as a result my score dropped drastically causing major inconvenience in my families life as we are applying for a new home.. I want my score readjusted to the prior score before the illegal update or legal action will be taken company does not have 30 days seeing that this is a timely matter that has a drastic impact on my families livelihood

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 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Assistance Inc
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a letter from Financial Assistance , Inc. that informed me that they were attempting to collect a debt in the amount of {$15000.00}. 
On XX/XX/XXXX, I called Financial Assistance , Inc. and informed them that I was questioning the validity of this debt and that I requested verification. Specifically, I was attempting to identify the date of last payment on the account, which my records show to be XX/XX/XXXX, and, thus, the statute of limitations would've expired in the state of Oregon. 
To date, I have received no verification with this information. 
On XX/XX/XXXX, I received a summons to " appear '' on this matter. 
Financial Assistance , Inc. has failed to provide me with the appropriate information needed to validate the debt. 
Additionally, in both my call and a call with an authorized user on the account in question, representatives from the company harassed, belittled, and mocked us- and, in general, were emotional abusive which is a clear violation of the Fair Debt Collections Practices Act.

To conclude, we are filing this complaint against Financial Assistance , Inc. for failing to provide the requested verification of debt and for the abusive behavior that was received from company representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are two " hard inquiries '' on my credit reports. 
They are from : XXXX XXXX dated XX/XX/XXXX and XXXX about the same date. 
Someone is trying to get credit cards in my name. 
I have not applied for these cards. 
The hard inquiries have lowered my crdit scores. 
They will stay on my credit reports for two years. 
I am trying to buy a new vehicle and these inquiries have lowered my score to where I now may not qualify.

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