vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I called and spoke to XXXX  customer representative on XX/XX/2021 and informed them that I havent received any statements and that the balance is incorrect because I havent made any purchases on this card in the last five months. I told them I need them to send out all the statements so that I can dispute these charges because they were fraudulent. The representative stated that I couldnt do that until they send out a new card I repeatedly told the representative not to send another card I wanted the account closed as of XXXX XXXX when I placed the call. They did not close the card the added XXXX fee to the card left the account open and opened a new card account took my auto payment off which caused a missed payment and they reported on my credit file. Which is totally wrong I never told them to stop my auto payment this has drastically affected my credit profile negative! They continued to report that the card was opened and over the limit because they added a annual fee of XXXX to an account that I asked to have closed immediately! 
The behavior and response from XXXX is horrible! 
My account has always been on automatic payments never ever a missed payment until they changed my card to that new card which I told them NOT TO DO!!! 
They have not given me any statements other than XXXX they gave me a claim department number and no one ever answers or responds to calls they gave me this name and number XXXX claim number XXXX however she never calls back about the claim this has ruin my credit during an pandemic when I need it the most .... 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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2020. The bureau reporting is XXXX. Thank you!

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, I submitted a complaint to the bureau regards to unauthorized use of my credit report. I sent letters in regards to this matter, its been over thirty days. The information that is being shared on the credit profile is inaccurate and is in violation of the law. I did not consent for that information to be listed, you did not have permissible purpose. I have rights to privacy.

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 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank seems to not care at all about complaints registered at CFPB. 

This is a request to careful, carefully, the previous complaint number XXXX. 
Your careless review lead you to reply about a previous XXXX XXXX, while the complaint was in regards to the most recent XXXX XXXX ( XXXX ). 

It is so unfortunate that now even when requesting help from a government agency, Citi also provides poor customer service. 

Maybe one day all these records lead to a big fine. Then maybe Citi will look into improving their services.

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 2021-10-01 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: TN

Complaint narrative:
Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed XXXX  XXXX  XXXX ( XXXX  ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and XXXX has failed in correcting the erroneous information. Since XXXX continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. 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 explanation
Consumer complaint received 2021-10-01 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: Professional Credit Management, Inc
State: TN

Complaint narrative:
Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed Professional Credit Management ( PCM ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and PCM has failed in correcting the erroneous information. Since PCM continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Sears credit card reported I was in delinquency years ago. Ive never been delinquent in any bill in my life. The company doesnt have brick and mortar stores anymore but is still harming my credit score. It is absolutely incorrect information they are reporting.

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern, I submitted a complaint to the bureau regards to unauthorized use of my credit report. I sent letters in regards to this matter, its been over thirty days. The information that is being shared on the credit profile is inaccurate and is in violation of the law. I did not consent for that information to be listed, you did not have permissible purpose. I have rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may concern, I submitted a complaint to the bureau regards to unauthorized use of my credit report. I sent letters in regards to this matter, its been over thirty days. The information that is being shared on the credit profile is inaccurate and is in violation of the law. I did not consent for that information to be listed, you did not have permissible purpose. I have rights to privacy.

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 2021-10-01 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: Possible Financial Inc
State: TX

Complaint narrative:
Possible Finance is reporting 2 late payments on my credit report. This isn't the first time that has happened. I tried updating my payment information, however their App wasn't allowing me to nor pay the whole balance. I took screenshots of these errors. Possible Finance isn't taking any responsibility for the App issues. They don't want to be accountable. I tried updating my payment dates, which it wouldn't allow me to. I asked them several times to call which they never did. They don't want to accept the fact that their App was the problem, but instead they are painting me out to be the bad guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In XXXX of 2021, I disputed an alleged debt with a debt collector named LVNV Funding LLC, LVNV bought this debt from XXXX XXXX XXXX. LVNV Funding LLC later removed the alleged debt from my credit reports after seeing that I was a victim of identity theft. This alleged debt hindered me from accomplishing my credit goals and negatively affected my credit scores. My rights as a consumer were violated under 15 usc 1681b ( 2 ) " in accordance with the written instructions of the consumer to whom it relates ''. 
I have attached a letter of correspondence of admission and deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I have filed two bankruptcies and from my understanding bankruptcies are supposed to clear all debt. Or the date is supposed to be paid for or cleared and for me to start over. Well look on XXXX and on XXXX  XXXX  and it showing open accounts and that the bankruptcy didnt pay certain things. So for me filing and paying for those fees of bankruptcies I just want whats right and cleared for me to start over. Thank you

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 2021-10-01 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I submitted a dispute to the company on XX/XX/2021. The company responded to my dispute on XX/XX/2021 but failed to mark my account as disputed on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I went online to access my records to print as I just saw online that Navient Corporation is exiting the Student Loan Servicing Program. I wanted to print all records to my account, to only see 2 items in the inbox and no correspondence from the previous years that Navient has sent and that I have sent to Navient. Inbox looks like it has been wiped clean from records. I would like to print all history of communication for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: American First Finance, Inc.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
Im a HUD homeowner located in XXXX, LA. I took a forbearance based on the " CARES act '' passed by Congress last year in XXXX. However, my mortgage company, Loan Depot, has put negative items on my credit report, which have caused my credit score to drop over 100 pts. I asked for my payments to be put at the end of my loan, and resume my payments on a regular schedule, but my mortgager refused, and gave me a loan modification instead. Loan Depot wanted me to sign documents, which sells my loan to another financial institution and my first payment with the new mortgage company is not due till XX/XX/XXXX. However, Loan Depot reported me as having a late payment in XX/XX/XXXX, even though I was still under forbearance. I am being treated unfairly and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: U.S. BANCORP
State: NJ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that the companies efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The companies are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX 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 2021-10-01 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account is not charge off to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: FL

Complaint narrative:
I settled an old debt which was XXXX for XXXX this made the account resolved and XXXX XXXX said they would delete the tradeline with in 30 days. But instead of doing that, they sold my account to Credit Control LLC. Now they're saying I owe them, after the fact that i had this matter resolved!

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 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: FL

Complaint narrative:
On XX/XX/2021, I received XXXX for a XXXX XXXX and a XXXX  by my doctor, XXXX XXXX XXXX, at the XXXX XXXX XXXX. That day i sign the quote that i was given 1 month prior and the agreed upon price, of {$4500.00}, was paid that day as well. The price was split into two XXXX, one was my XXXX, medical cpt code # XXXX. And the second was my XXXX  XXXX  cpt code # XXXX. 

The paperwork i signed and agreed to says An additional charge will be applicable if the XXXX  requires special supplies and or patient may receive a bill from XXXX for XXXX, XXXX or any other supply used by your surgeon. If that were the case then the price of {$4500.00} is what i should only pay unless extra supplies were used. Which they were not. 

Two months after my procedure, XXXX XXXX XXXX reached out to me stating that they never charged me for a third code for {$2300.00}. That code being XXXX again. My doctor, the one who performed the XXXX, spoke to XXXX XXXX XXXX saying he only charges once for that code and that is what he quoted me. XXXX XXXX  on XX/XX/XXXX handed me that quote which they agreed to charge me, i signed, paid for it, then received my XXXX. 

I spoke with XXXX, XXXX XXXX collection company, over the phone and theyre saying its now {$3400.00} and the charge is for XXXX. I already paid for the XXXX, {$800.00} on the quote. 

Im very confused with why they keep trying to charge me for a XXXX that I paid in full and XXXX  i paid in full as well. Im in no right liable to pay this collections. 

Attached is the statement they sent me for {$2300.00} The quote, of {$4500.00} and {$800.00}, I signed and paid the day of the XXXX. 
And the new Statement XXXX is charging me {$3400.00} for anesthesia The doctor that performed the XXXX is XXXX XXXX XXXX from XXXX Florida XXXX XXXX XXXX XXXX ) XXXX For any additional questions you can contact theyre office and speak with XXXX XXXX.

Company response to consumer: Closed with explanation