vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I received a notification from my bank ( XXXX XXXX XXXX XXXX ) of a debit from my account as I do for every transaction. When I looked at it, and saw the amount, and didn't recognize it, I immediately called XXXX to find out what it was. I was told it was a purchase from my account that I knew I did NOT make, nor authorize, and I notified XXXX that this was not initiated by me and had to be fraudulent. They gave me the information to the company that the goods were ordered and I also contacted them. They verified that the delivery address was not my address and I told them that I did not order the goods and they should not send them out. I advised them also that this was fraud. I then contacted my bank and put a stop payment on the order and closed my account as it had been compromised. I assumed that since I told them right away that this would be handled. I have not used that XXXX account again since then. I am now receiving a notice of assignment from a debt collector for XXXX for the amount of {$610.00} which I do not owe bc I did not order, authorize, nor receive goods from them or anyone else stemming from this fraudulent purchase. I contacted XXXX on XX/XX/XXXX to advise yet again that this debt is not mine and is in FACT fraud and they refuse to release me from it. I am requesting that it be removed from under my name and SSN immediately and not be reported to and agency causing defamation to my character. I would also like to exercise my consumer rights under Title 15 USC 1681m ( f ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a business account on XX/XX/2021 at Chase bank. I deposited a check for {$17000.00} written out to my company. The funds should have been available within 10 days. The bank notified me on XX/XX/2021 that there was a discrepancy because the DBA I filed for the company in the area I live post dated the date the check was written. I sent them copies of my contractors license, link to state consumer affairs which showed me as one of the owners since XXXX this was not sufficient to them, so I asked that they close my account and return my check or funds, and that I would go elsewhere. This they did not do and for the next few weeks we emailed back and forth over ways to get to the bottom of this. it is now XX/XX/2021, I do not have my funds or check back, they have closed my account and I have no access. There is not a human being in any of their departments that seems to be able to get a coherent answer from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. My phone number XXXX. I am reaching out to you to complain about Citibank 's unethical business practice. 

I saw Citibank 's advertisement on their website regarding a welcome bonus if a prospective applicant opens a checking account and deposita certain amount of funds within 20 days of opening the account and maintains the balance for XXXX days. The amount of bonus varies depending on the amount of funds on the XXXX day of account opening. I have attached a pdf version of their website advertisement to this complaint for your reference. I wanted to deposit 50,000 USD and maintain that balance for XXXX days to collect a 700 USD welcome bonus. Accordingly, I signed up for a basic checking account online ( Application ID : XXXX ) on XX/XX/XXXX and provided supporting documentation as requested by Citibank that day. As per the offer requirement, I should have deposited the amount by XX/XX/XXXX which is today. I could not deposit the funds because Citibank did not provide me with an account number yet. However, I have been receiving emails from Citibank reminding me that I should deposit funds into the account. THose emails provide my account number but only the last XXXX digits. I reached out to their customer service XXXX times since I signed up to request them to provide me with a bank account however, they said that the documentation that I provided needs to be verified which takes XXXX business days and until then they can not provide me the bank account number. It has been XXXX days and they did not complete that verification and so they did not provide me with the bank account details. They did not contact me to update me on where the process is and if any additional/supporting documents are required to complete the verification. 
I called customer care to ask if they will extend the eligibility grace period as they did not provide me with the details to deposit the funds, they denied it and said that I lost my eligibility. When I requested to escalate the issue to a supervisor, the customer service representative put me on hold but later disconnected. I later did not receive any communication or call from the supervisor. This is unfair as they did not create an account in time and for their inefficiency, I am having to lose 700 USD. I explained to them that it is not my mistake and that they failed their responsibility but they disagreed. This is a classic example of " Bait and Switch ''

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 2021-12-02 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

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 2021-12-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
Based on the lawsuit filed on XX/XX/2019. Case XXXX the company is still failing to conduct reasonable investigations and reporting false/inaccurate information to the Credit Reporting Agencies. They never contacted me nor provided me with any accurate documentation of the alleged debt. 

The amounts that are said to be owed are incorrect. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was owed. I do dispute the amount that is said to be owed and do not owe said amount. I have disputed the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect.

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 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: MA

Complaint narrative:
I gave birth on XX/XX/XXXX, and my child received care from the hospital ( XXXX XXXX XXXX XXXX XXXX in XXXX, MA ) from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX, I saw claims for this care in my XXXX XXXX web portal and paid them using my Health Savings Account ( HSA ) from Optum Bank. These payments were in the amounts of {$160.00} and {$170.00}, owed to XXXX - XXXX at XXXX. Funds were withdrawn from my XXXX for these amounts. 

However, on XX/XX/XXXX I received a pre-collections notice from XXXX - Neonatology at XXXX stating that my account was overdue, including the {$160.00} and {$170.00} I had already paid. 

I proceeded to call Optum Bank and speak with representatives on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to determine where my payments were. During those calls, I was told the XXXX payments in question were sent via physical check to the hospital department. Customer service reps confirmed the physical address the checks were sent to. This address was incorrect and I provided the correct po box over the phone. I was told a Stop Payment Order would be issued for the XXXX checks and new ones would be submitted to the correct address ( I also called hospital billing to share this info, where I was told they often had problems with HSAs like this ). 

During these calls with Optum, I was promised numerous times that I would be emailed a receipt of payment. I clarified my personal email address to ensure delivery, but never received any communications. 

On XXXX I received a final collections notice from XXXX - Neonatology at XXXX for the amounts of {$160.00} and {$170.00}. I proceeded to call the billing department and pay the full {$330.00} using my XXXX debit card to avoid being sent to collections. Since I had been told the payments were via physical checks, I thought payments could be stopped and I wouldn't lose any money. 

I then called Optum Bank on XXXX to ask for stop payments and was told new information : That the checks were electronic and no stop payment could be issued. I told the customer rep I had received conflicting information previously, to which he had no explanation. 

I asked if the payments could be reversed or canceled and was told no. I asked what would happen if the hospital billing department never processed the payments and if there was any sort of deadline for processing and was again told no, the payments would just stay in limbo. The only possible solution would be for the hospital to call Optum XXXX. So now I am out {$330.00}, with no way of reversing charges or getting the money back, due to numerous mistakes and misinformation on Optum 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TN

Complaint narrative:
I am a victim of ID theft via the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: UT

Complaint narrative:
Equifax reinserted a previously disputed and removed/surpressed Bankruptcy from my report. The bankruptcy was disputed as it doesn't belong to me. They removed it and then recently reinserted it. Subsequent dispute requests did not result in removal of the reinserted record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: DC

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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Received an alert from XXXX XXXX that shows a delinquent collections had been placed on my account XX/XX/21. It's a company called Sequium Asset Solutions in XXXX GA. The only information listed shows XXXX XXXX.. so I had to XXXX to find that supposedly XXXX XXXX XXXX had a breach of data and are aware of fraudulent behavior from this company. We had closed our account on XX/XX/21 and actually have an {$18.00}. credit ( good standing always ). The amount XXXX shows owing is {$2800.00} and doesn't have any of our information attached, states it was from XXXX for 1 mth and due in 1 month?? Also states turned over to collections. We've never received anything from this company but yet they place this on our credit report. I attempted multiple times to contact this company to no avail. We contacted XXXX XXXX XXXX and was transferred 4 different times, all in an attempt to speak directly with their fraud dept. But finally was told they are not taking calls due to this major fraud taking over the phone lines. So we placed fraud alerts on our accounts in hopes that this company or person will not be able to do any more damage to our credit. Thank you. XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
Requested proof of debt from the Ohio attorney General, Law Offices of Robert A. Schuerger Co. , LPA. If this is not the attorney General, then this office has outright lied to me, saying that's who they are and represent. As well as, in the last 2+ years, they call me once a week and they've been charging me for a debt from XXXX XXXX XXXX XXXX Without Proof of debt. I had asked them to provide the proof of debt around XX/XX/21 or XX/XX/21, possibly earlier, and had never received it. I returned a call to the law office on XX/XX/21 and the person working said that they were still waiting on XXXX University to send them the Proof of Debt. I told them I would continue to pay on this once the proof of debt was received. They have my correct information, and always have. So the law offices of Robert A. Schuerger Co. , LPA have been trying to collect on a debt, they legally had no proof of. I am reaching out to a lawyer about this issue. I hope it can be resolved without legal help, but obviously they can't even provide a simple proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XX/XX/XXXX, I made a purchase in the amount of {$31.00}. This left my account XXXX. On this same day, I had automatic payments come out in the amounts of {$40.00} and {$10.00}. According to XXXX Bank, any overdrafts which occur for less than {$5.00}, you will not be charged an overdraft fee. Not only this, XXXX has advertised a grace period to deposit a cash deposit to cover any overdrafts by midnight the following evening. I made a cash deposit in the amount of {$120.00} on Saturday morning, XX/XX/XXXX. On Monday,  XX/XX/XXXX, I was charged 3 overdraft fees in the amount of {$37.00} each for the 3 charges made on XX/XX/XXXX. After contacting XXXX twice, I was told that there is nothing they can do because my cash deposit did not post to the account until Monday the XXXX even though it was made on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I noticed a new entry of a Collection account on my Credit Report ( CR ) via the XXXX online platform on XX/XX/XXXX. The new entry was from I.C. System Inc. collection amount = {$900.00}. I contacted this company on 2 occasions, however, they seem unwilling to delete it from my Credit Report. This is the problem, it appears that someone used my personal name and ss number to acquire an account with XXXX  in the XXXX, Texas area. They apparently ran up a bill for {$900.00}. and then disappeared. Interestingly, I have an account with XXXX  since they were XXXX XXXX back in XXXX. As of today, my account with Spectrum is in good standing. Please note, The erroneous address is XXXX XXXX XXXX XXXX, TX. XXXX Please note, I have never lived there or have ever visited XXXX, Texas in all of my life. Therefore, it is plain as the nose on a face that this I. C. SYSTEM INC claim is fraudulent. They claim to have my correct name and social security number, but the account is fraudulent as I do not owe the original creditor, XXXX XXXX  any monies. Indeed, I have maintained a XXXX XXXX with XXXX for the past 15 years, and said account is in good standing.

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : 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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation