vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
I received a letter from Eastern Account System in an attempt to collect a debt for {$480.00} on behalf of XXXX. I already settled this debt with XXXX through their collections debt, XXXX, on XX/XX/2022. I spoke with a representative at XXXX the remaining balance was a mistake on their part. They did not record receiving my equipment back and they charged me 4 months of internet after I cancelled my service. Because of those two issues they verbally agreed to credit my account for the full amount of {$480.00}. I sent a recording of this conversation to XXXX, who then discharged the debt as invalid. 

8 months later, on XX/XX/XXXX, Eastern Account System reported to my credit that I owed a debt. I called them and the representative, XXXX XXXX, refused to accept any evidence I had of the account being settled. She attempted to hang up on me 3 times and would not provide me with an email to forward my evidence to. She lied on the phone and said she had access to my account at XXXX and that she could see the balance and the reason for it, however, I logged into my account at the same time and it says I owe {$0.00}. 

All other attempts of communication with Eastern Account System has been met with resistance, as they refuse to settle this matter. On top of calling them I have emailed them through their system and have only received automated responses that refuse to provide any resolution. This is unacceptable, trying to collect a false debt lowers my credit score, cost me time and money. I am reaching out to you to see if you can help me resolve this issue with Eastern Account System and have them remove the debt from my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX, i opened an account with Citi Bank on XX/XX/2022. i made sure to transfer money on the account to make sure it stays active. I received my card a few days later but only used the checking account. On the evening of my birthday XX/XX/2022, i then decided to close my savings account and then proceeded to open another checking account and i also requested for a bank card to be sent to me. Then on Wednesday XX/XX/2022 on my birthday i walked into a Citi branch XXXX XXXX XXXX XXXX, XXXX FL XXXX and proceeded to have them give me a temporary card for the second checking account. The teller that helped me at the branch his name is XXXX XXXX which was very helpful with his manager also, but what ended up happening since both account were linked they had to unlink them which was fine because i still had a temporary card. The branch manager then came and completely messed up everything by ordering me another card for the first account which both acct were going to be separated. I left the branch very upset because it meant that i had no money to use whatsoever until i received the card. I received the new card on XX/XX/2022 which i then activated, i also deposited my check which was given to me by my employer, check date was for XX/XX/2022 which i thought would be clear by the following day. ON XX/XX/2022 my account was then blocked for suspicious/fraud activities, i then told both the representative and account specialist this was a check i received with my name and address on it and my employers name ( XXXXXXXX XXXX  XXXX and gave them the employers phone number to verify. She told me to call back because it would be handled by the following day since the check is dated for XX/XX/2022, i called that morning just to find out that my account is still locked and closed and a check will then be mailed to me and that there is nothing that can be done because the account is flagged. Here i am with no money, i can't even buy food, pay bills or pay for my suitcases to fly to go see my family. They have no consideration and no one cares to help, i am overwhelmed, tired and crying because of this ordeal. I will never bank with Citi because they have no sense of doing business, i hear so many stories similar to mind and quite frankly i find it very disgusting that this is how you treat a customer who has done nothing wrong, and has given you countless of proofs. 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 non-monetary relief
Consumer complaint received 2022-12-23 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: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed my checking account without me requesting it. I have tried to call customer service and went to the branch to find out the reason. I get sent to leave a voicemail and the branch tells me they can't see the reason only that Capital One decided to end banking relations with me. The check they sent me says " Customer Request Close Out - No Link '', but I did not request closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX and XXXX has violated my rights I have no accounts attached to these inquires and have not requested. I also reached out to the credit bureaus and have not received any assistance in these matters. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: NJ

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-12-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was awarded my home in XXXX, Pennsylvania per XXXX XXXX judgement during pandemic.Under an Order Of Protection my XXXX XXXX  gave my home away in a Non Asset XXXX XXXX  Bankruptcy scheme. I thought I was in forbearance. 
The Wells FargoXXXXXXXX XXXX XXXX lawyers had him in Federal court while deliberately trying to get me to sign over said property in Civic court threatening me if I did not comply. They said the conciliation process was being scheduled and I better do what they say In XXXX XXXX they had already scheduled a XXXX meeting I was not a part of. 
I had a Conventional mortgage that had XXXX XXXX documents attached. A huge balloon loan, XXXX down fraudulent HUD paperwork with XXXX  husbands name/place of employment with my social security number. If it cant get any worse I learned my mortgage brokers were indicted in XXXX in same Federal Court that is flipping my house for Mortgage Fraud! Per FBI mortgage task force. 
My phone was hacked/SIM card stolen..XXXX Police refused to take report and did not send anything to States Attorney. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The investor and XXXX  XXXX XXXX got indicted as well. I found out the house was a Prefabricated home that had flooded previously and been moved on a lot loaded with rXXXX XXXX XXXX 
The house was bought in XXXX. The loan never closed found old XXXX XXXX. 
Because of this I lost my vehicle, memories of adult children/grandchildrenI havent any family members as XXXX on my own. I XXXX XXXX XXXX XXXX XXXX. This was the only home I ever had. 
And to discover that it was all based on lies for others to profit I havent any words.

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 2022-12-23 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: CA

Complaint narrative:
I have sent Experian, XXXX, & XXXX multiple complaints about fraudulent transactions made by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Violations of privacy, & I havent got a remedy from neither companies. Latest news publications headlines that these companies have settled in lawsuits admitting to non investigations of the consumer complaints. Also XXXX has settled with them. I have been discriminated against by all companies.

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 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Convergent XXXX does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX Pledge ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. Convergent advised that they has since ceased collection in their office. Which is a fraudulent statement because it is still showing on my credit report for XXXX. This is a violation of my rights. Convergent has my information without the proper rights to have it. Please investigate Convergent for it's fraudulent activity in regard to fees waived by XXXX as they have unethical practices and have access to consumers social security numbers and personal information without the rights to have it. This should be made public and investigated. XXXX needs to remove this account right away. Convergent XXXX advised that they would cease collections but I am having to continuously dispute something I do not owe and they continue to report to the credit agencies in an attempt to collect which is contradicting what they said they would do. Furthermore all the information including dates are accurate. If this continues to be on my credit report I would like XXXX, Convergent XXXX, XXXX and XXXX investigated for unethical practices with the Attorney General 's Office, Governor 's office, CFPB, FCC, FTC, Department of Justice, XXXX, news, 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 2022-12-23 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: NJ

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-23 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX # XXXX {$800.00}

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 non-monetary relief
Consumer complaint received 2022-12-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX # XXXX {$800.00}

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 2022-12-23 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
GM Card was converted to G Marcus Goldman card in husband 's name. XXXX has been XXXX  since XXXX and I ( spouse ) inadvertently sent 2 payments to the XXXX XXXX ( that was closed ) in XXXX & XX/XX/XXXX - XXXX payments totalling {$6800.00}. 

I have called Customer Service at Goldman Sachs numerous times but no customer service person can do anything until I provide an Estate Administrator form which would have been obtain if husband 's estate went through probate. It did not go through probate and I don't have an Estate Administrator form. My attorney prepared an Affidavit for Collection of Personal Property indicating that XXXX XXXX can receive personal property for XXXX XXXX. 

Customer Service at Goldman Sachs will not escalate my issue to someone other than next level Customer Service and I am always told they can do nothing without the Estate Administrator Form. They are holding my {$6800.00} and have never made any effort to contact me to return the funds. Totally frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX XXXX ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. XXXX advised that they has since ceased collection in their office. Which is a fraudulent statement because it is still showing on my credit report for Equifax. This is a violation of my rights. XXXX has my information without the proper rights to have it. Please investigate XXXX for it's fraudulent activity in regard to fees waived by XXXX as they have unethical practices and have access to consumers social security numbers and personal information without the rights to have it. This should be made public and investigated. Equifax needs to remove this account right away. XXXX XXXX advised that they would cease collections but I am having to continuously dispute something I do not owe and they continue to report to the credit agencies in an attempt to collect which is contradicting what they said they would do. Furthermore all the information including dates are accurate. If this continues to be on my credit report I would like Equifax, XXXX XXXX XXXX and XXXX investigated for unethical practices with the Attorney General 's Office, Governor 's office, CFPB, FCC, FTC, Department of Justice, XXXX, news, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2022 i shopped and purchased the required amount on a mail flyer for a {$25.00} savings at the HOme Depot store XXXX in XXXX, GA. 
The cashier scanned the mail coupon code and just said " this is a credit to my account and not taken off immediately. Usually XXXX is taken off at the point of sale, I thought this was odd. 
I have called both HOme Depot customer case and Home Depot credit card services. 
When i first called in XXXX to The credit services, they said it takes 1 or 2 billing cycles for the credit to appear. I have been XXXX billing cycles and still no credit applied. 
I then in turn called Home Depot customer care. They tell me its all handled under Credit card services. When i called back to Credit services they tell me its not them and to take the issue to Home Depot customer service. I didnt see anywhere on the mail promotion that would indicate any delay or waiting for any rebate. The attached receipt documents the XXXX  promotion.

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