vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
Capital Accounts continues to harrass me regarding a bill I do not owe. I have never went to XXXX XXXX office in my life. They provided me with a bill from 2016 which shows me nothing but my new address of the home I literally just purchased, I did not live in PA in 2016. The bill they sent just have the date of service and my NEW ADDRESS. This is crazy how they are trying to use this to validate the debt. They need to remove this negativity reporting from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I SUBMITTED A DISPUTE TO ALL 3 CREDIT BUREAUS ABOUT AN ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX THIS ACCOUNT IS CLOSED ON MY ACCOUNT ON ALL BUREAUS.. THEY ALSO HAVE IT REPORTING TWICE ON MY REPORT FOR XXXX  STATING ITS BEEN CHARGED OFF WITH A BALANCE. 
THIS ACCOUNT IS NOT MINES SO I DISPUTED THIS AND THEY HAVE DID NOTHING BUT DECREASED MY BALANCE AND CLOSED THE ACCOUNT THAT WAS ALREADY CLOSED DELETE THIS ACCOUNT IMMEDIATELY IT'S DESTROYING MY FINANCIAL LIVING.

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 2021-03-03 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: AL

Complaint narrative:
I SUBMITTED A DISPUTE TO ALL XXXX CREDIT BUREAUS ABOUT AN ACCOUNT NAME XXXX BANK ACCOUNT NUMBER XXXX THIS ACCOUNT IS CLOSED ON MY ACCOUNT ON ALL BUREAUS.. THEY ALSO HAVE IT REPORTING TWICE ON MY REPORT FOR EQUIFAX STATING ITS BEEN CHARGED OFF WITH A BALANCE. 
THIS ACCOUNT IS NOT MINES SO I DISPUTED THIS AND THEY HAVE DID NOTHING BUT DECREASED MY BALANCE AND CLOSED THE ACCOUNT THAT WAS ALREADY CLOSED DELETE THIS ACCOUNT IMMEDIATELY IT'S DESTROYING MY FINANCIAL LIVING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a CitiBank Accelerate Savings account roughly around XX/XX/20 and deposited {$6000.00} USD to the account, I was living in MA at the time I opened this account. I later learned there was a {$20.00} a month fee associated with the account. I called, asked for the fee to be waived XXXX which it was XXXX, I then removed all my deposits and called customer support and asked to close the XXXX XXXX Account. The customer support representative informed me they terminated my XXXX XXXX account and I then deleted username and password. A few weeks later I was notified via text message that my Citi XXXX XXXX account had incurred a {$20.00} a month service fee and the account was now - {$20.00} balance. I called CitiBank and they apologized and confirmed they waived the fee and closed the account. The same issue then continuously occurred escalating to now a - {$120.00} balance. I've called multiple times and they have apologized and confirmed the account is closed though they can not provide any written proof and the issue just continues on. Citibank is unable to verify me on phone and all physical locations are closed due to XXXX, they ignored my mail I wrote with a copy of my passport. CitiBank says I need to know the XXXX digit string of numbers which is my account number even if I provide XXXX, Passport and other security questions. Debt XXXX are now calling threatening to pay bill or debt will be sold to XXXX party. I have money, want to fix the issue though am locked out of my account. The problem is with CitiBank, not me. Account is still active and incurring fees even without any balance and I have no ability to terminate account. 

I have XXXX video of myself on phone with Citibank customer support XXXX ( I informed him I was recording ) outlining all these issues which I can not upload as file is too large.

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 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
In XXXX of XXXX, I reported my XXXX XXXX American Express missing and asked for a replacement card. The annual fee for this card is {$590.00}. They never sent it. 
In XXXX I was billed again for {$590.00}, which I paid. They refuse to send my card. I've called repeatedly and as of XX/XX/XXXX, Ive asked for a refund, prorated back to XXXX of XXXX. 
They are refusing. I am a long time > 20 year Am Ex card holder and have had the XXXX Platinum Card for XXXX or 10 years. 
If this has happened to me I am certain that it has happened to others. When XXXX pays {$590.00} annual fee for the card, one shouldn't have to beg for the card. 
Please advise. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
We bought a new house in XX/XX/XXXX using the mortgage company with 5 % down and a PMI payment called XXXX XXXX Mortgage XXXX based XXXX CO, which was an absolute nightmare. ) The mortgage was sold to XXXX in early XXXX. On XX/XX/XXXX I made a huge payment to bring the XXXX below 78 %. As a courtesy I contacted XXXX to let them know that the loan was now below 78 % and that they were required by law, and by contract to automatically remove the PMI. XXXX XXXX Mortgage XXXX had advised us to do this, since we were selling houses and would have money to pay the mortgage down. They also said we would get a lower interest rate if we had PMI to start the mortgage. ) Note there will be another huge payment in the upcoming days/weeks. The first response from XXXX was I would need to contact them in 14 days to remove it. Note : By law and contract they are to automatically remove it. I don't actually need to ask them to, because it went below 78 % XXXX of the original purchase price, not 80 %, in which I would need to ask them. I let them know that they were required to automatically do it and I did not need to tell them to do it. They then told me that they can take 30 days or more to remove it, which could mean I pay PMI at least XXXX month more than I am required to since the loan is now below 78 % XXXX of the original loan amount and considering the real estate market in XXXX the value has not gone down. I also requested in writing that they provide me a complete list of all organizations that regulate them. They said I should sent my complaints to their compliance department and refused to provide me a list.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
The account is reporting as delinquent on my credit report and I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One Auto Finance I have received unsolicited communication from Capital One Auto Finance making a demand for payment for an alleged debt. In accordance with XXXX XXXX XXXX, these are the actions of a 'debt collector. ' These actions show breach of trust and fraudulent misrepresentation ; are fraudulent and misleading ; they include the use of coercion, threats, and harassment to procure fraudulent unlawful and illegal payments for an 'alleged debt '. I made the initial extension of credit in full consideration and satisfaction by my signature/autograph transmitted to Capital One Auto Finance. These debt collection actions violated XXXX XXXX XXXX ; THIRTY-NINTH CONG. SESS. XXXX CH. XXXX, XXXX. XXXX, page XXXX, XX/XX/1867 CHAP. CLXXXVIL ; XXXX XXXX XXXX ; Fair Debt Collection Practices Act ; Emergency Banking Act of 1933, and Proverbs XXXX. Capital One Auto Finance can not deny that I am the creditor. They can not deny that I am the consumer. These debt collection actions have caused mental and financial distress, stress / hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TX

Complaint narrative:
XXXX XXXX is still based on incorrect usage %, incorrect balances and incorrect credit limit. XXXX has been submitted and they still have done damage by inaccurate 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 explanation
Consumer complaint received 2021-03-04 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: AL

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXX XXXX agency continues to violate my rights according to XXXX XXXX XXXX. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: NV

Complaint narrative:
- in XX/XX/2020, I called XXXX Mortgage to notify them of my impending home sale to close on XX/XX/2020 but I had a mortgage payment due on XX/XX/2020. 
- they told me they would cancel the XX/XX/2020 auto payment and allow my Escrow to pay the full mortgage amount. 
- unfortunately, the buyers had to delay the close by XXXX week due to repairs to the septic system thus when the home finally closed, my payment was placed in delinquent status and reported onto my credit report. 

- I have called repeated times to XXXX Mortgage and have written to their XXXX department but they have rejected my pleas. 

- I was never afforded a 30 day leeway to resolve this issue. 
- I have never missed a mortgage payment in 10 years with XXXX Mortgage. 
- My XXXX XXXX plummeted and I need to get a loan to pay bills due to XXXX pandemic. PLEASE HELP!

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 2021-03-03 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: WA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

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 2021-03-03 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
A hard inquiry is being reported on my credit report and I did not apply for credit with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A hard inquiry is being reported on my credit report and I did not apply for credit with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have a credit card that came through Experian. The pull shows up and dropped my score int the toilet but the actual payments are card itself do not show. Im working very hard building back my credit but if they are playing games like this with people then why even bother?! My score is going up with every other credit bureau but this XXXX. It keeps taking no matter how many bills i pay and it is just stuck at XXXX which is really XXXX me off. Who is going to check the company that can ruin others by giving false information?

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 2021-03-03 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX AMEX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-03-03 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: TX

Complaint narrative:
Credit score was lowered drastically more than XXXX points based in incorrect balances, incorrect credit limits and definite incorrect usage % They have provided data that clearly shows they are in error and have caused damage and personal hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Card was charged XXXX dollars by rental company on a fraudulent charge. 
I disputed this transaction. Citi denied my dispute. Credit limit on this account was XXXX so because of this I was XXXX able to make the minimum payments and due to COVID not working and on UE Assistance. Reached out to Citi for pandemic assistance and was ignored. Due to not being able to pay the minimum the company charges me a XXXX dollar late fee every month. Which adds to the balance. They closed the account and continue to charge me XXXX dollars a month late fee. XXXX due is now XXXX dollars with a total balance of over XXXX. 

Ive contacted city XXXX separate times to resolve this and set up a payment plan. Citi has denied me multiple times as my account didnt qualify. They provide no reason why only that the process is automated. Citi continues to call me no less than 4 times a day leaving voicemail after voicemail, to bring the account current, however citi is unwilling to help or set up a payment plan. 

Last rep spoken too is named below. 
XXXX XXXX Previously before this my call was ended prematurely by a citi rep while I was asking questions.

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 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I had a secured card. They decided to cancel my card. My security deposit was XXXX. When I talked to them ( Citibank ) they informed me that the XXXX would go against the balance. I was never sent a bill for anything else owed. The amount due was XXXX but I had no idea I owed that. Now in XXXX. They say I owe XXXX and all of that is Fees and Interest. If I new I only owed XXXX cents anyone in there right mind would of paid right away. Since I didn't know about amount now they expect me to pay this. I informed them of my frustration and here is where I am at. I don't mind paying XXXX and one fee and interest if need be. But not 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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: WA

Complaint narrative:
XXXX Mortgage is refusing to accept the valid XXXX XXXX XXXX XXXX document provided by homeowners insurance company. When contacted by Insurance company and attempted to explain the Master Insurance policy, and how it works, the XXXX Department agents at XXXX Mortgage are rude, very unprofessional, disruptive and keep referring to the policy which does not make sense and appears to contradict industry standard. When requested to be transferred to agents managers, they refuse. I am puzzled why the homeowner is caught up in-between XXXX company and XXXX Mortgage dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Possible Discrimination with disturbing unfair practices On several dates in XX/XX/XXXX and recent contact on XXXX, XXXX, XXXX complete loan verification as Co-signer auto loan. 

XXXX representatives request return call ( no longer effective ) credit freeze on XXXX credit report. 

After several attempts request pull update report, XXXX representatives advised send email credit analyst process XXXX XX/XX/XXXX, XX/XX/XXXX XXXX however no return call and dealerships also attempt help solve problem. Effective, as of this writing Ive called following info and have been hung up or transferred to the XXXX # phone que, with no help to get verification to finalize auto loan. 

Westlake App number 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 explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX Robinhood took unauthorized funds from my checking account causing my account to be overdrawn. They took out the same amount the day before but I had authorized that amount, so they did a double withdrawl. Robinhood has locked my account and I have not heard back from customer service in 11 days.

Company response to consumer: Closed with explanation