vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I called XX/XX/XXXX to dispute a XXXX charge and request replacement cards for myself and my authorized users. I argued with a XXXX XXXX that I was NOT cancelling my account she stated we have to cancel the card to get new card number with new acct number. SHE STATED SHE WAS NOT CANCELLING MY ACCT AND SENDING NEW CARDS. I called XXXX to ask where my cards are a XXXX XXXX said they were never sent. I then requested to file a complaint against the rep on XX/XX/XXXX since she never sent out my cards he stated he would resend the cards and filed the complaint. When i asked who did you file the complaint against he stated I don't have access. So you lied you cant file complaint if you do not have access to notes so I disconnected call after he stated he was sending cards. I call XX/XX/XXXX spoke to a XXXX  XXXX and asked where my cards are AGAIN i finally get told the acct is cancelled. I SAID I NEVER REQUESTED TO CANCEL MY ACCT. she then attempts to run my credit. I said NO you're NOT running my credit knocking my credit score down when YA 'LL SHOULD HAVE NEVER CANCELED MY ACCT! YOU CANCELLED MY ACCT WITHOUT MY PERMISSION OR AUTHORIZATION so reopen my acct with the original open date and send me my new cards. after 30 minutes on hold she comes back on the line stated they are reopening my acct. She verified my name, SSN, address and DOB then hangs up the call. I call back an XXXX XXXX who after getting my name and password after I tll him the illegally cancelled my acct he WITHOUT LOOKING AT THE NOTES tells me I canceled the accct not them. I BECAME LOUD AND SAID NO YOU!! WHY WOULD CANCL AN ACCT I HAD TO GIVE YOU A DEPOSIT ON TO BUILD MY CREDIT A YR AGO!? AND CITIBANK STILL WONT GIVE ME A CREDIT LINE INCREASE AFTER CITIBANK RETURNED MY XXXX DEPOSIT!!!!! YOU!! CITIBANK CANCELLED THE ACCT WITHOUT MY AUTHORIZATION, I CALLED TO DISPUTE A CHARGE AND REQUEST REPLACEMENT CARDS, he hangs up on me AGAIN. I CALL BACK AGAIN spoke to XXXX XXXX who then informs me the request to reopen my acct FOR BANK ERROR will take 7-10 days I escalate to a XXXX  XXXX the supervisor tells me the request will take 5-7 days and only information she can give me is all the reps I have spoken to are OFFSHORE so she can give me their names and cant do anything.

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 2020-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I was laid off due to COVID-19 hardship in XXXX, 2020. In XXXX I put my loan with XXXX XXXX XXXX XXXX in forbearance. In XX/XX/2020, I noticed that my credit score had dropped from XXXX to XXXX because my mortgage payment was showing as 'delinquent ' instead of 'in forbearance. ' In XXXX my score dropped to XXXX as another payment showed as delinquent. 

From XXXX to XXXX I have contacted the company 6 times via email and seven -- 7 -- times by phone, usually waiting on hold for over an hour each time, to get the error fixed. They admitted it was a mistake and that 'they were working on it. ' The dates of my contact are listed below. 

It is late XXXX and it hasn't been fixed. 

Meanwhile I got another job, took the loan out of forbearance, and resumed payments. I wanted to buy a house that would improve our family situation. But my credit score is XXXX, not XXXX now. And I couldn't get qualified. 

XXXX XXXX has harmed me by their inaction in solving this problem. 

Now I'm being transferred to another state and want to buy a house. Again, I can't because my credit score is XXXX. I asked XXXX XXXX if they'd please provide a letter stating the mistake. This could work for an underwriter and perhaps I could get approved. 

They said no. They're 'working on it. ' Which they say they've been doing for 6 months. 

XXXX XXXX 's mistake has harmed me two times and materially hurt my family 's financial situation and well-being.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
Signed up for the XXXX XXXX. Received XXXX XXXX. Had to call and pay XXXX processing fee to even access the credit limit. I did not even apply for this card so they illegally accessed my credit file. Upon payment they read the terms. It was clearly stated on a recorded line that the annual fee of {$99.00} would not occur until the 2nd year. After payment I looked online at my balance and seen that the {$99.00} was charged. Called and got all attitude and hateful people on the phone. No resolve. 

I also made a payment, their site clearly stated all ACH payments will post to your credit line in 5 days. I waited 6 and seen my limit was not adjusted. Called and got a rep who stated it was 7 days. I stated your website in FAQ clearly stated 5 days. She got snippy and said not her problem and hung up. 

The company is clearly out to get consumers and has no compassion or regard to regulations.

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 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I received a letter from the State of IL dated XX/XX/XXXX regarding a past due debt owed to the IL Dept of Human Services. This debt is supposedly from the dates of XX/XX/XXXX - XX/XX/XXXX. As soon as I received this letter I immediately hand wrote a letter of dispute and mailed it to the dispute address of Account Offset Unit XXXX XXXX XXXX XXXX, IL XXXX. In the letter I requested documentation showing that this debt was owed by me and the reason behind it. I have never heard back from the dispute department regarding this debt. I received a notification that this debt was sent to a collection agency by the name of Harvard Collections. I want this immediately removed from my credit file and I want documentation that this debt is owed by me. I also filed for bankruptcy back in XXXX and if I would have included this if in fact this was owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synergetic Communication Inc
State: OR

Complaint narrative:
I received a letter dated XX/XX/XXXX on XXXX XXXX, XXXX from Synergetic Communication , Inc. requesting a reduced payment on a XXXX   XXXX  account that was discharged in a bankruptcy in XXXX. The letter stated the current creditor is XXXX XXXX XXXX XXXX and original creditor is XXXX XXXX. Balance due is {$1400.00} but {$360.00} will be accepted as full payment and payment must be received by XX/XX/XXXX. 

There is also a statement at the bottom that says that this debt is too old for me to be sued as it is beyond that statute of limitations and I can not be required to pay 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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was approved for a Capitol One Credit Card and never received the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I have never been able to access the statements online. When I call they tell me that the case will be transferred to the tech team. Nothing every gets fixed. I called today XXXX and the rep hung up on me. This is unacceptable.

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 2020-09-17 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS NOR WAS I AWARE OF SOMEONE USING MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: SC

Complaint narrative:
The VA sent me to XXXX XXXX for a evaluation of my XXXX. XX/XX/20 This visit was scheduled by the VA and approved by their Insurance Carrier XXXX XXXX. 
I took the approval letter with me and they made a copy for their records. 
On XX/XX/20 a collection company called and I provided them this this Information. 

Now I received a letter from RMC Receivables Management XXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX. They have MARKED my credit report and caused my credit score to DROP 62 points. 
I Contacted XXXX and disputed this, they agreed with me and removed the Mark from my report, but my score has suffered and will take time to build it back. 

My complaint is that they filed a FALSE Report with XXXX to Clearly HARASS ME! 
I'm XXXX years Old, A XXXX Veteran, And have a XXXX XXXX CONDITION!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS NOR WAS I AWARE OF SOMEONE USING MY IDENTITY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX   CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS NOR WAS I AWARE OF SOMEONE USING MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-17 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: CA

Complaint narrative:
XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to Experian, XXXX, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to Experian, XXXX, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX/XXXX  : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit : {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX/XXXX  : Date opened : XX/XX/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 2020-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I opened a Dispute on XX/XX/XXXX for Case ID : XXXX XXXX track ( third party website ) is showing that USPS Delivered the item.

But when I go to USPS website they are not showing tracking information for this item I did not receive this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I have an installment loan from my car title with instalone and this is the second time that they are attempting to bully me into making a payment and harassing me with phone calls they've called me three times in the last two days when the first call I received I told them I would be making a payment today or tomorrow and then I received two phone calls after that. 
I already filed a complaint with the better business bureau but I ended up getting bullied into borrowing more money to make the past due payment and this is all due to kovid that I couldn't make the payment. one day past the due date which was XX/XX/XXXX they slapped on another month due right now that's twice they've done that to me period plus the harassing phone calls and their bullies they are bullying me ... help me XXXX is who called me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
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 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony, number just used - XXXX it is different all the time, has called our number thousands of times, no exaggeration, over the last few years. They are calling for a XXXX XXXX, whose name they just recently referred to. XXXX XXXX has NEVER lived in our home and I myself just looked up his number on XXXX easily enough, why can't they. This company has harassed us for years over someone else 's dept! Please get it to stop. Thanks

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: PA

Complaint narrative:
Im not sure of the exact date but on or around XX/XX/20 my card was locked. Due to excessive hold times it took me a few days to find out why the card was locked i was told due to identity verification which makes no sense having be the government has already verified me and i had the card for months. I have sent my id documents several times both by fax and by the XXXX  upload documents at XXXX. To no avail. 
I am writing this because I am very displeased with US Bank XXXX and unsatisfied with not only the fees and inability to find free atms in my area but also due to their terrible customer service, hold times, hang ups and inconsistency amongst staff. 

I have never had to dispute any transactions, deal with fraudulent purchases, replacing of debit card or rude ignorance and changing information among customer service reps with any other bank or prepaid debit cards. All of the issues Ive stated plus more that i dont find tasteful to even bring up. 

Im not one to complain but after three times having to have a new card sent, waiting to be able to use my own emergency funds twice for over twelve days, not to mention being on hold for hours repeatedly before the issues were resolved. This last time that I ordered a new card I was finally made aware that it could be shipped overnight for a {$15.00} fee. Something that was never mentioned or offered the previous two times. One time my card was cancelled and shut off due to the application opening in my purse and miscellaneous buttons being pushed at random. Another time due to a service I never used charging my account for a food delivery to an address I cant even find out to learn who and how my card information was leaked and used. 

I am not comfortable nor do i feel my private information is safe with this company I dont want to continue to rely on XXXX to keep my money at hands reach my information safe and not constantly worry that ill go to swipe my card and it not work AGAIN that ill wait on hold for hours AGAIN and have to have another card shipped AGAIN for reasons no fault of my own. 

Thank you very much for your time and for listening to my concerns and complaints in regards to XXXX  and us bank. I would rather wait a few more days to receive a check that only i can cash and know my money and information is safe then ever rely on XXXX  ever again. No one should be forced to use such a unreliable inconsistent company. 

Thank you XXXX XXXX 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 monetary relief
Consumer complaint received 2020-09-17 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.

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 2020-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arbor Professional Solutions, Inc.
State: IN

Complaint narrative:
The City of XXXX XXXX provided an ambulance ride and billed it to my health care provider incorrectly and they denied payment, this is a municipal agency that used tax dollars to pay their employees and should not initiate collections as they are compensated by taxes for service. They turned it over to Arbor Professional Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for the supposed balance due of {$580.00} and they in turn filed a collections notice on my clean credit report and did it without trying to collect from my health insurance ( which deductible has been met and should pay ) and also without waiting the required 180 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation