vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: KY

Complaint narrative:
I attempted opened a Citi bank account on XX/XX/2021. They closed my account immediately after receiving a direct deposit due to fraud. They would not or could not tell me what the issue was. I banked with this bank before, and my account was compromised. I called then to solve the issue, and the account was closed due to fraud with absolutely no help to me or my personal info that had been compromised. Since that has been a few years, I figured they may have gotten better as a bank and decided to give them a second try. Well, I guess I should have thought twice about it. Because here it is a month later and I am still getting text alerts that money is still in a account that I can not use or have access to. I called about this the first time around XX/XX/2021 and was told that they are closing my account and will send my money by check in the mail. After constantly receiving these text alerts, I have yet to get my money. On XX/XX/2021 I decided to call again. They asked me questions to get into my account. I answered everything. My mothers maiden name, my full social, and my full name. They said my info was incorrect! Like I could really mess up my personal info! Smh! So they wouldnt allow access for info unless I had a debit card or account number. Which I shredded after being told the account was closed. Thank XXXX I screenshot the account info when I first opened the account, because if not, I wouldnt have gotten anywhere. He goes into my account and says its a fraud block on the account and it says its being processed to be closed. Considering the fact the account wasnt open a week, Im not understanding why its taking so long for this account to be closed. At this point Im asking if there was anyway I could upload a picture ID along with my social security card. I was told no. This is ridiculous and I am not understanding how a bank that claims they want to make sure theyre customers are taken care of, arent being taken care of. First of all, how are you holding someones funds that came from a direct deposit? Make that make sense! I can not believe I am going through this for a little {$200.00} that I forget about until I get the daily text alerts around 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 2021-04-22 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: CA

Complaint narrative:
Im so sick and tired of EXPERIAN reporting false accounts that have not been validated by myself who the original creditor. They have reported these accounts and hurt my ability to obtain credit and I am sick and tired of this mess! It will stop now and right now today! 
Experian is I. Violation 15 USC 1592g, they were to notify this in writ g XXXX days before and I was not! I am the original creditor and only I can validate these accounts! I do not validate these accounts. Therefore, the following accounts must be deleted. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Department of XXXX XXXX Failure to respond satisfactory with the deletions of the above account will result in action being taken and a {$1000.00} fine per violation. 

XXXX ) Defamation XXXX ) negligence enablement of identity fraud XXXX ) Violations of 15 USC 1692g

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 2021-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NJ

Complaint narrative:
I make regular scheduled payments on my consumer loan through my bank to Castle Credit. 

In XXXX they claimed they had not received my payment. Although I had proof from my bank that the payment was made on time they charged me a late fee. I told them I would put a stop on that check and issue a new payment. Then miraculously they somehow " found the check " they claimed not to have received and then charged me a fee when they deposited the check that I had already told them I put a stop on. The same issue occurred on XX/XX/XXXX. I spoke to my bank to put a stop on that check and asked how could this happen. The representative from my bank told me because Castle Credit opted to receive physical checks in the mail rather than e-checks. I believe their claim of not receiving checks is a scam and they " lose '' checks in order to charge a late fee. and then double charge fees when they " find '' the missing check a day after they charge a late fee. 

I also attempted to get an explanation of 3 fees they charged on my account on XX/XX/2021 Reverse P+I Interest of {$30.00}, {$70.00}, and {$74.00}. 

I believe they are running a scam to try to get extra fees and would appreciate your looking into their business practices. 

Thank - you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 tried to file a dispute with Equifax numerous times and they refuse to dispute the fraudulent inquiry on my credit report. They stayed they will not process my dispute for the hard inquiry for XXXX XXXX Credit Report on XXXX XXXX. 
They also refuse to remove XXXX XXXX from my credit report. I gave them my police report and FTC report and they still refuse to remove it. 
I also disputed all late charges for XXXX XXXX Mortgage and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: The Outsource Group, Inc
State: TN

Complaint narrative:
I sent a debt validation letter to this company in regards to a debt being report on my credit report. The company failed to validate the debt instead they sent a list of my medical records, I know this is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to obtain and or access this information.

This Company has violated my HIPPA rights on 3 different occasions claiming to collect a debt for a company that I did not authorize to release my medical information. This company is to delete these 3 accounts and immediately stop reporting this information to the bureaus or I will take legal action. 

Acct # XXXX Acct # XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I previously disputed a tradeline held by the collection agency XXXX XXXX XXXX for the creditor XXXX  in the amount of {$300.00} on my XXXX report on XX/XX/XXXX. On or around XX/XX/XXXX the results were completed and the tradeline was properly removed as inaccurate credit reporting. On XX/XX/XXXX, the XXXX account was transferred to Waypoint Resource Group who reported the same XXXX XXXX XXXX collection account for {$300.00} on my XXXX report, which I disputed. However, XXXX refused to remove the same tradeline after the dispute was completed on XX/XX/XXXX. On XX/XX/XXXX, I disputed this matter with Waypoint and provided them with a copy of an email in which XXXX states that I am " not responsible for any early termination fees and [ my ] account has been zeroed out. '' XXXX has refused to disclose what they claim this debt is for. Pursuant to 15 U.S.C. 1681i of the FCRA, XXXX, Waypoint, and XXXX are required to immediately remove the negative tradeline or face civil liability for willful noncompliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: NY

Complaint narrative:
I have a scam on my credit report and Experian said to contact said vendor see below. 
XXXX XXXX  phone number XXXX XXXX XXXX tell how in XXXX XXXX name that's possible.

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 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently check my credit report and noticed a fraudulent account has been opened by capital one card under my name. I contacted capital one and they said they will close the account and remove the fraudulent account from my credit report which they have not done so at all. This is very frustrating because they are trying to collect a debt that is not mine and is a result of fraud. I am demanding that they close this account and remove it from all 3 ( XXXX XXXX XXXX ) of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XXXX of XXXX, I received a Supplemental Property Tax Bill for fiscal year XX/XX/XXXX to XX/XX/XXXX in the amount of {$1800.00}. My first installment of {$910.00} due XX/XX/XXXX and second installment due XX/XX/XXXX. 
I did not have the money to pay the total, but did manage to pay the first installment on XXXX XXXX. Meanwhile, Freedom Mortgage paid the full {$1800.00}. The XXXX XXXX cashed both our checks, and on XX/XX/XXXX returned the overage of {$910.00} to Freedom Mortgage. 
In XX/XX/XXXX, I received a statement from Freedom Mortgage stating that, to pay off the {$910.00} which FM wound up paying, my new payment would be {$1500.00}. ( I WAS paying {$1500.00}. ) I have been paying {$1500.00} since XX/XX/XXXX. It should be paid off by this XX/XX/XXXX, and my payment should go back down to {$1500.00}, I would have assumed. 
However, today I receive a new statement from FM saying my escrow has gone up forcing a new monthly payment {$1900.00} ( from {$1500.00} ), an increase of {$370.00}. 
There was no increase in taxes, insurance, or interest. It is apparently a mismanagement of the escrow account.

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 2021-04-22 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: I.C. System, Inc.
State: TX

Complaint narrative:
I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXX XXXX XXXX XXXX ( now sold to a collection agency I C SYSTEM ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.

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 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I start to sending certified letters thru the postal services about one year ago and requesting validation of a credit card that i had with XXXX XXXX but such unverifible imcomplete and inaccurate account I been requeting a sign contract if any and never received such validation from LVNV Founding c/o Resurgent Capital I am demanding to the collection agency to Delete such account that i dont owe and i dont recognized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Sears Credit card ( owned by Citi Bank ) has failed to provide XX/XX/2021 statement. 
I have requested several times of XX/XX/2021 credit card statement, Sears replied it sent out the monthly statement in XX/XX/2021, however, I haven't received it. Then, it tells me that it would send out another copy on XX/XX/2021. I still haven't received the statement.

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 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I had no collections for months on my account and out of no where this collection is on my report. I have no knowledge of this account. I already had this deleted recently and now its back again damaging my credit score. I have no contact. No mail trying to collect debt. No reach out. Just reported randomly. No detail information on why I owe debt and no specific dates.

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 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My accounts were closed without notification. I called to resolve issue and was told that they were not at liberty to disclose to me the reasoning for closing my accounts. 
I appealed the restriction and was denied and again appealed without knowing the reason for the restriction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Performant Financial Corporation
State: NY

Complaint narrative:
By the XXXX of XXXX, I ; Man deny that this is my account and if it is my account, who is the Man verifying that I owe this debt. I acknowledge this account was established without my Knowledge and I have no contractual agreement with nor received any services from Performant Recovery. Please cease and desist this collection activity. ftc and police report attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
This is a complaint about Honda Financial Services, who is the lender for my car loan. In XXXX XXXX XXXX, they updated their website which required everyone to make new accounts to be able to log in and pay bills. I had submitted my payment right before this transition, and apparently the payment did not go through. They did not, however, make any attempt to contact me or email me notifying me that my payment had not gone through. I was then unable to log in and check the status afterwards. They then reported my payment 30 days late which negatively affected my credit score. I tried to contact them and explain my situation, noting that I had never been late before even during COVID, and they refused to work with me and remove the derogatory mark on my credit report. I then requested to be contacted by a supervisor to talk more about my account, and she claimed that they had tried to contact me and when asked to confirm information she had incorrect contact information on file. I am disappointed with Honda 's lack of effort and willingness to work with their customers. I would not recommend financing a car through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CL Holdings LLC
State: TX

Complaint narrative:
I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXXXXXX XXXX ( now sold to a collection agency JEFFERSON CAPITAL SYSTEM ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/2021 I applied for an XXXX  credit card through comenity bank. I was told Id get something in the mail. I received a MasterCard with a credit line of {$1000.00}. I registered it on or about XX/XX/2021. On my account today it says I have {$1000.00} credit line but I tried to use it today and through phone calls found out the condmity closed the account punt. They said they sent a letter but I do not recall receiving a letter about XXXX rewards MasterCard. I called the first time to see why it was closed and it took me through a menu stating that the issuer closed the card and no contact info provided to investigate. I called again, and the third and this time I didnt enter my a count number so I could get to an agent. I told her that they make it impossible to talk to a live person by putting all the layers in place and that I wanted to file a complaint. She said she didnt know how. I asked to speak to a manager and told her what happened. She say the letter says it was because I had previous negative accounts with comenity bank. I asked her then why did they approve my account? These are old accounts that have been charged off by the bank and other firms are trying to collect the debt. I told her Im trying to rebuild my credit and once its charged off how do they use that negative info to close a card they actually issued snd mailed to me. I registered the card and activated it on or around XX/XX/XXXX and yet the manager says the closure notice went out before that. She told me to go to comenity.net/ultimate rewards and there is a menu I can use to contact customer service. The issue is that the site says my account does not exist. These are deceptive business practices where they build layers of barriers into the consumer process to frustrate so they dont have to answer questions like mine. So I didnt get to submit a complaint. They make it impossible to talk to a human being or email them by making it dependent of the account info entered : this is obviously a huge error on thier part yet theres no accountability here. When I went to comenity.net/ultimate rewards I got an error message that I will attach. Also when I tried to enter my credentials I have attached that error message as well.

Company response to consumer: Closed with explanation