vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I signed up for a bank account at TD Bank and was supposed to get a bonus for having money deposited for a certain amount of time. I deposited that money via check in person at the branch before the deadline and kept my money in the account for the right amount of time. Per the terms of the agreement, the deadline for having my bonus paid has passed by two weeks. The bank told me that they will not honor the agreement because they delayed in crediting the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is incorrectly reporting account XXXX XXXX XXXX XXXX XXXX number XXXX as 30 days. Delinquent. This is inaccurate and false report causing my score to drop significantly. This account was never late and has been paid every month promptly via ACH payroll deposits. Also Ive been impacted by the Covid-19 pandemic and qualify for relief under the CARES act. 

Experian needs to promptly return reporting and status to CURRENT/ Never Late.

I am attaching all email correspondence from XXXX XXXX XXXX XXXX  from the last 90 dats showing account was current and they received monthly payments. XXXX XXXX never once sent any correspondence to me indicating account was past due. Only current and payment received.

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 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
This company was sent a cease and desist letter, sent by certified mail and received by their office on Monday, XX/XX/XXXX. Today is Thursday, XX/XX/XXXX and they have started calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FRANKLIN COLLECTION. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 Recently received a copy of my credit Report After Reviewing it I found that there is an Inaccurate Account that i Did not Authorize. This Account is Fraud and i want this fraud Account Removed from my Credit Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
THIS IS NOT A DUPLICATE!!! 

XXXX  XXXX claim this item Accurate & Consistent but its 2 different incorrect spelling of my name in the original contract which are highlighted in the attachments. which is a MAJOR Violations UNDER THE FCRA & FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: OK

Complaint narrative:
I requested the removal of inaccurate information on my XXXX  Report and Experian report on approxiamely XX/XX/2021. This information was showing a collection from XXXX for an invalidated medical collection. XXXX  removed the inaccurate information within days. Experian has failed to remove the information or give information on why they allowed the information to stay on my credit report. I demand this information be removed from my credit report immediately. XXXX has failed to validate the debt and the debt is not a valid debt. How can transunion figure that out, and Experian just says it was denied. I demand validation.

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 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After more than 1000 days, I want answers. I want to know why Transunion and XXXX  forward complaints to XXXX XXXX who ignores and then merely labels the complaints as duplicates. I want to know why the attached incomplete undated application was processed to access my credit when the application clearly states at top that incomplete applications will not be processed. This led to a forged and fraudulent loan in my name. 
I want to know why XXXX XXXX, XXXX, and Transunion believes an incomplete application that was not to be processed should be considered as permissible permission per FCRA requirements? I want to know why I have been denied for 4 years to receive a copy of the credit report that was pulled on XX/XX/2017XXXX  I want answers. I do not want Transunion and XXXX  to pass the buck by sending this complaint to XXXX XXXX and sending me a form reply. And I do not want XXXX XXXX to merely label this complaint as a duplicate. I want answers.

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 2021-02-11 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: TX

Complaint narrative:
XXXX/Equifax/XXXX  violated my right to privacy as a consumer by accessing and publishing my private information. Please see the attached letter to XXXX  and attached Exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against HARVARD COLLECTION. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received an unsolicited text from an unknown phone number, XXXX XXXX XXXX XXXX, stating that there were attempts to login to a Chase banking account. I do not and never had an account with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Someone had stolen XXXX dollars from my square ash app. account, and when I had ordered a back charge as they asked me to do. Someone in that company got mad and closed my account for a false reason. And removed the DNS settings from my website that I bought from them on XX/XX/XXXX. There rendering the website from working or showing up. I tried to email them but they blocked my email. When I asked them not to shut down my website because I was going to get it transferred they removed the DNS settings so that it would not work. I paid XXXX for it on XX/XX/XXXX, and that was for the whole year. Its expiration date is XX/XX/XXXX. And my website is not working because of what they did out of spite and hate. The name of the website that was removed is http :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The Citibank abused me by manipulatingmy retirement savings. Citi mailed me the offer in XXXX XXXXand promised the signupbonus but refused to pay It. The Citi Bank just got an advantage from my savings. 

I contacted Citi 3 times via XXXX : In XXXX they told me that the bonus will be paid in XXXX month later .In XXXX I called twice to open an investigationbut they played the dirty game by referring me to different promotions that started on XX/XX/XXXX instead of XX/XX/XXXX. The docs are attached.. 
Citi doesnt accept electronic communication and used just voice to prevent any records in customers needs.. Is that acceptable? Mailing option is not reliable and takes weeks and weeks.

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 2021-02-11 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: DISCOVER BANK
State: IL

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. DISCOVER FIN SVCS XXXXXXXX XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER FIN SVCS XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of the Bank of America issue with the XXXX freezing accounts I have spoken to him for the past five months and I still have not gotten help and I have nearly giving up it's so hard especially everything is going on not only did they freeze my account and whatnot also money was taken from my account from a XXXX XXXX  account and I try to make the attempt to figure out who was and with cash at the only let you message him to the inbox when you use your own account while I didn't steal any money for my own card so course it can't help me and isn't XXXX number anyways I have told Bank of America I need to get my money they have XXXX my money and I want it and they won't give me my funds either hang up on me or the transfer to different apartment at saying that we can not assist me and XXXX said that they did their part that my sponsor which is XXXX needs to do their part and I've been waiting every since 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 2021-02-11 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: MS

Complaint narrative:
On XX/XX/2020, I wrote a letter about inaccurate accounts on my credit report. It has been two months and I still haven't received a 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 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against RECEIVABLE MGMT XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: NJ

Complaint narrative:
XXXX XXXX ( XX/XX/2020 ) - Is reporting a late payment when I have made all my payments on time

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 2021-02-11 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: TX

Complaint narrative:
XXXX  is incorrectly reporting account XXXX  XXXX XXXX XXXX XXXX number XXXX as 30 days. Delinquent. This is inaccurate and false report causing my score to drop significantly. This account was never late and has been paid every month promptly via ACH payroll deposits. Also Ive been impacted by the Covid-19 pandemic and qualify for relief under the CARES act. 

XXXX  needs to promptly return reporting and status to CURRENT/ Never Late. 

I am attaching all email correspondence from XXXX XXXX XXXX Bank from the last 90 dats showing account was current and they received monthly payments. XXXX XXXX never once sent any correspondence to me indicating account was past due. Only current and payment received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have contacted all three credit bureaus multiple times about an issue where someone else 's name comes up when trying to run my credit. Every time I have called they tell me to send in the same information ( copies of drivers license, social security card, and W2 ). When I send in the information that is asked for nothing happens. I wait the 60 days they say it can take and hear nothing back.

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 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: One Source Technology
State: OH

Complaint narrative:
XX/XX/2021 a consumer report was ran for a background check for employment. Asurint has the incorrect information reported as the record has been sealed. This could be detrimental to my employability and I need this correction made on any and all platforms so this doesn't happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: LEXISNEXIS
State: NE

Complaint narrative:
I have great credit history. Lexis Nexis computes a insurance score and credit score. The score is inaccurate and they don't disclose the findings or how they calculate. They make a score that costs consumers additional money and expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: AR

Complaint narrative:
I have contacted all three credit bureaus multiple times about an issue where someone else 's name comes up when trying to run my credit. Every time I have called they tell me to send in the same information ( copies of drivers license, social security card, and W2 ). When I send in the information that is asked for nothing happens. I wait the 60 days they say it can take and hear nothing back.

Company response to consumer: Closed with explanation