vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: IL

Complaint narrative:
Please refer the attachment of my accounts with Citibank. I opened both a checking and savings account at the Citibank branch located at XXXX XXXX XXXX XXXX, XXXX back on XX/XX/2020. Bank manager XXXX XXXX confirmed that I would, as promoted, would earn {$300.00} for {$16000.00} ( my tuition money ) that I deposited in total on XX/XX/2020 after 3 months. In late XXXX when I went to the bank to ask wny {$300.00} was not deposited into my account, I was told it would mature at the end of XX/XX/2020. 

Again early late XXXX, I visited the branch to enquire why the money was not deposited, I was told by Mr. XXXX XXXX that he would request an investigation to see why {$300.00} deposit was not made and I would be notified in a week 's time. He advised that I should not close the accounts completely because I should have an open account for the deposit to take place. So I opened a basic checking account and savings accounts with deposits of {$1500.00} in Checking and {$500.00} in Savings Account. 

After 6 months since XX/XX/2020, when I opened the accounts, I requested my dad to call the bank why {$300.00} dollars was not deposited, he was told that the investigation, though requested by Mr. XXXX, did not take place. So I talked with the Manager Mr. XXXX, who would not, or could not, explain why the deposit was not made. Finally, this morning they said that an investigation would take place and, though they would not give me anything in writing, but Case Id Number : XXXX. 

XXXX 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 explanation
Consumer complaint received 2021-01-05 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have recently be alerted of several recent inquires that I have not authorized I have contacted the companys and well as the credit bureau to resolve this issue. With me having credit freeze on my report Im not understanding how my information is being shared Im trying to Build positive credit and Im being pulled down at the same time my information should be SECURE! I have asked the listed below companies to removed the inquires and have yet to do so. I have followed the FTC process police report etc .. per SECTION 604, 611 of the FRCA these unauthorized inquires should be removed! 

AMERICAN EXPRESS XXXX XXXX which ran my credit twice in two days XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Management Solutions, LLC
State: VA

Complaint narrative:
I currently have a least break debt that is in FMS Financial Solutions collection. Ive tried my best to make payments especially throughout COVID. Ive been working with XXXX XXXX and I am very unpleased with the customer service hes provided. I was a XXXX XXXX for 2 years therefore I am familiar with the FDCPA regulations. Mr. XXXX has hung up on me and other authorized family members trying to resolve the debt and has also threatened to sue on multiple occasions. After paying $ XXXX {$600.00} a month to quickly resolve the debt and still receiving terrible service I ended up giving authorization to my mother to handle the account and record the calls because I was tired of being yelled at, being called a liar, and being pressured to higher my payments. It has been communicated with the company to have a different collector call so I dont have to deal with being mistreated, yet he still calls and emails me attempting to collect the debt. Hes also requested to speak with me and not my mother who is authorized to handle the account. I can not afford much at this point nor during the time I was giving him hundreds of dollars. I dont know what to do at this point.

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 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: International Computer Systems, Inc.
State: MO

Complaint narrative:
I have now told this company 3 times to cease all communications and they still continue to contact me. Todays phone call after telling the rep today No Further Contact he proceeded to state " Okay, did you want to set up payment arrangements today '' after asking to speak to a supervisor he claims they are all busy. Did not know or understand the FDCPA laws, I have been a collection agent and had to do two weeks worth of training and my current job we do it twice a year to review so we all know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
I have received a letter from ERC- debt collection company saying that I owned XXXX/ XXXX XXXX {$5400.00}. 

I requested and filled out the fraud packet with police report and notarized affidavit. Months went by and I got a new letter from ERC dated XX/XX/20 which said they were authorized to collect {$2900.00}. 

ERC said the XXXX denied the fraud claim because my correct mailing address was used for the fraud account. Name on the ERC letter is my maiden name with my current address. I legally changed my name to my married name roughly 11 years ago. I did not live at my current address with my maiden name. 

I have contacted XXXX. They told me to file a report here. I have contacted ERC. They said they are the middle man for XXXX. 

ERC said that they moved account back to fraud status but could not give me the next steps for getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Sent a letter requesting validation that the debt is mine with a signature or contract between them and me in XXXX of 2020. They have yet to respond.

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 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
This is part of Previous Complaint # XXXX. XXXX/XXXX has me to a 3RD Collection Agency. SouthWest Credit Systems of XXXX, Texas, as of XX/XX/XXXX. XXXX of XXXX IL, and XXXX XXXX of XXXX, Texas, have BOTH sent me letters stating they are Satisfied with my responses and will Cease further Collections. As of XX/XX/XXXX, my Credit Score went from XXXX, to XXXX. I spoke to XXXX of XXXX  at XXXX. She stated XXXX wants my COMPLETE Social Security #. My Attorney says NOT to give it to them. I have provided Copies of Old Drivers Licenses going back to XXXX. I also gave them a Copy of my XX/XX/XXXX XXXX XXXX ID. I have worked for theXX/XX/XXXX XXXX since XX/XX/XXXX. I mailed ALL the copies to XXXX XXXX XXXX, Fraud Dept. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, New Jersey, XXXX. This is has been following me since XX/XX/XXXX. This needs to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have recently be alerted of several recent inquires that I have not authorized I have contacted the companys and well as the credit bureau to resolve this issue. With me having credit freeze on my report Im not understanding how my information is being shared Im trying to Build positive credit and Im being pulled down at the same time my information should be SECURE! I have asked the listed below companies to removed the inquires and have yet to do so. I have followed the FTC process police report etc .. per SECTION 604, 611 of the FRCA these unauthorized inquires should be removed! 

XXXX XXXX XXXX XXXX  which ran my credit twice in two days SYNCHRONY FINANCIAL

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 2021-01-05 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: U.S. BANCORP
State: PA

Complaint narrative:
I have recently be alerted of several recent inquires that I have not authorized I have contacted the companys and well as the credit bureau to resolve this issue. With me having credit freeze on my report Im not understanding how my information is being shared Im trying to Build positive credit and Im being pulled down at the same time my information should be SECURE! I have asked the listed below companies to removed the inquires and have yet to do so. I have followed the FTC process police report etc .. per SECTION 604, 611 of the FRCA these unauthorized inquires should be removed! 

XXXX XXXX ELAN FINANCIAL which ran my credit twice in two days 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 non-monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/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 explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/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 2021-01-05 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Macys -acct # XXXX Bal is zero ; past due is XXXX. Macys sent deragatory info to all credit bureaus causing my credit scores to drop by 38 points. In XX/XX/XXXX I requested pay off balance from Macys which was {$79.00} - which I paid via my debit card. Macys - decided in XX/XX/XXXX to send deragatory info to credit bureau that I owed {$2.00} for fees charged XXXX dollars. I have been in XXXX XXXX XXXX XXXX ( XXXX  ) for two years trying paying down my debt & Macys was included. I had been making regular monthly payments to Macys thru XXXX. When I paid Macys off i advised XXXX that I paid Macys off - they removed Macys from my DMP. I had no idea I had {$2.00} yes XXXX dollars remaining balance for fees. I had made no purchases, had no interest- owed nothing on Macys acct. I believe Macys has not treated my situation fair given we are in pandemic. Macys added fees & would not explain to me what the fees were for!! This is unfair treatment & I want Macys to immediately remove the deragatory information from my credit file from all three credit bureaus. 
Macys, XXXX XXXX XXXX XXXX - I Spoke w/XXXX  on XX/XX/XXXX at XXXXshe would not provide her supervisors name. I did pay the XXXX dollars for fees. Thank you. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, Md 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 2021-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: NY

Complaint narrative:
This is in regards to a collection reporting on my credit reported form LJ Ross Account # XXXX. After noticing on my credit report an account with the above listed account I reached out to find out what this is for since I was unsure what it was. They sent me a letter dated XX/XX/2020 which I will attach on this letter no information that would inform me what this is for. I sent another letter out XX/XX/2020 and XX/XX/2020 to which I got no response yet they keep reporting this information without properly validating the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting 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 2021-01-05 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I contacted Wells Fargo Dealer SVC multiple times do to a discrepancy on my credit report for an old auto loan that was opened. A late payment was reported on my credit in XX/XX/XXXX. This car was deemed totaled and the bank took possession of this vehicle on XX/XX/XXXX of XXXX. I have attached the total loss letter from the insurance company numerous times with no help on this matter. I have also disputed this inaccurate information to the credit bureaus numerous times as well with no help from the company..

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX, 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: LA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXXXX/XX/XXXXXX/XX/XXXX {$120.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$120.00} XXXX XXXX  XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXXXX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00}

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 2021-01-05 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: LA

Complaint narrative:
I was so stress Today, I've sent disputes letter since XXXX2020 regarding to those inaccurate and unknown accounts that I found on my credit report, but they didn't response yet. and those accounts are still on my credit report. I demand that those accounts will be DELETED immediately or I will file a litigation.

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 2021-01-05 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: LA

Complaint narrative:
I was so stress Today, I've sent disputes letter since XXXX2020 regarding to those inaccurate and unknown accounts that I found on my credit report, but they didn't response yet. and those accounts are still on my credit report. I demand that those accounts will be DELETED immediately or I will file a litigation.

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 2021-01-05 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: NY

Complaint narrative:
Experian Credit Bureau decreased my score by 37 points after I made a payment ON-TIME to a creditor, XXXX XXXX, for an automobile lease. Knowing that my payment was on-time, I reached out to Experian, but was able to talk only with a front-line Customer Service Representative, whose name I could not acquire,. She informed me that, because my payment was the final payment of the automobile lease, I no longer have an ongoing installment loan, which lowers my credit score per their algorithm. I can't account for their algorithms in computing credit scores, but I don't believe that I should be punished simply for fulfilling my obligation to pay an installment loan - such as an automobile lease - in its entirety. This is as counterintuitive as anything that I've seen. If anything, I now have less debt than I had one month ago, so my creditworthiness should have improved or, at worst, remained the same.

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