vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There is a fraudulent item being placed upon my credit report from Citicard/Citibank that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with Citicard/Citibank. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX  by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX  involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission Citicard/Citibank has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, XXXX  and XXXX  are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, XXXX  and XXXX  under Section 609 FCRA.

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 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
I received notification of a debit that was posted to my credit report however no prior attempts were made for the debit to be collected. This debit was involved in a XXXX 's compensation case, I had contacted both the collections company and the original debtor to advise them that this was to be taken care of in a XXXX  's comp coverage, I had supplied them with the state case number, the XXXX  's comp case number and phone number. They fail to suspend the debit for further investigation and or cease collections along with report to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
In 2020 around XXXX I got notified that I am overdue payments on my SUV  which was leased even though I have set up automatic payment. I tried to reach out to the KIA motor financials ( KMFS ) and they told that it was the tax amount owed by me. I had asked them to send me the invoice for it, but they said they dont have any and they get billed by the Government and I have to pay the same. 

The customer service agent on the line told me that there was a management change in KMFS and they are collecting this amount earlier. Usually they wait till end of the term, but I am liable for it. He also mentions that there are several other people who dont know about this tax and they get hit by this bill and they call them. He directed me to talk to the Municipality. I told the agent that I will talk to them and get back. I talked to them and found that the amount mentioned was wrong. 

Before I can do this they reported me to the credit agency that I was overdue on the payment. I called them and let them know the history and asked them to remove the default note on my credit report. KMFS customer service said they weren't responsible and they did not even transfer the call to anyone who can take care of the situation. 

Also, I paid the amount after that and no follow up came through on the issue even though I requested it. I reported the same to my credit reporter ( XXXX  ). They tried twice and they came back saying that KMFS did not agree to remove the listing. Hence writing to see how to resolve this. In summary 1. This amount has got tagged on to my invoice even though I told them to include all the known cost while leasing the vehicle and set up the amount as a monthly recurring payment. 
2. KMFS were unable to provide any evidence that I am liable for a certain amount and I had to overpay them to resolve the situation. 
3. Now even with the fault on their side and trying to adjust to the new management, they have put me in as a defaulter which has affected my credit score badly.

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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
I received a notice for a debt from the village i live in regarding a ticket i had in the past that i did not pay. My dog was STILL ON MY PROPERTY. i watched my pet from the window when i noticed he was out of the gate in my own yard. he did not go into the neighbors yard he came right back in the door and the police decided to give me a ticket. stating the dog was loose on city grounds when he never left my driveway. The police didnt chase my dog, they didnt come on my yard, so where was my dog in the neighborhood and why did i get a ticket if he never left my yard. In the past this same police department XXXX my dog because they were supposedly charged at when the dog was running in the other direction. i have witnesses that stated my dog didnt charge these officers but they XXXX him in the back and didnt bother to pay for his medical bills. i had to pay over XXXX for his medical care but i had to get tickets on top of that? and lied to that they XXXX at and towards him but didnt XXXX  him directly.

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I was denied an increase of credit and Pursuant to 15 USC 1681a I have an open ended credit plan, open ended means that there is NO limit, considering this fact in law there is no way that I can be denied credit because there is NO limit to the credit that I, the consumer, can extended through my open ended credit plan using my credit card which is my social security card. This makes ANY inquiry an ADVERSE, HOSTILE and OPPOSED action under federal law as stated by CONGRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I RECEIVED YOUR LETTER ABOUTON DATED XX/XX/2021 REGARDING MY RESPOSE. BANK OF AMERICA CLAIMES THAT MATTER IS CLOSED. NO, MATTER IS NOT CLOSED. I NEED MORE TIME TO RESPOSE 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 2021-01-26 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: IL

Complaint narrative:
I send in my dispute to Transunion and there response was that they cant Identify my me with the information I provided this just another one of there stall tactics I send in my correct information same as all ways and it was never a problem verifying it before I that I am ready to file a law suit because of the way Transunion is unfairly treating me you can check the infomation I send in the necessary information required to proof that I'm the XXXX XXXX I I have a complete Identity theft package. My consumer rights are being violated under fcra.

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 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal has held funds illegally under the electronic funds transfer Act. PayPal has not fully disclosed terms and conditions. PayPal account where electronic funds are held illegally is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Clear Recovery, Inc.
State: NE

Complaint narrative:
On XX/XX/2021 on or around XXXX XXXX  CST I was called by woman who when asked who was calling gave her ( alleged ) first name only even though the Caller ID shows " Merchants Crdt ''. I told them to stop calling this phone number. On XX/XX/2021 on or around XXXX XXXX  CST I was again called by " Merchants Crdt '' I repeatedly told them they were violating the law or laws by contacting me again after being instructed not to call me. The man continued to talk over me and say they were allowed to call all they want ( which is not true ) and that they would continue to call me. I repeatedly told them to stop calling me only to be ignored a second time. The person on the other end of the phone kept trying to get personally identifying information out of me even though I repeatedly told them I had already told them to stop calling and they need to stop calling he kept talking over me and I repeatedly told them to stop calling AGAIN. Debt collectors are supposed to stop calling when a person tells them to stop calling, not keep calling!!!

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 2021-01-26 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I first contacted Comenity Bank regarding my Sony Visa on XX/XX/XXXX, XXXX to file a dispute for {$1700.00} against a local business. The agent that assisted with opening the dispute had no idea what she was doing, she even admitted to me that she normally doesnt do them. She hardly took any information, not enough that would allow for the disputes team to come to a reasonable conclusion. She did not tell me that I would have to send documents in by mail. She stated I would receive something in a couple of weeks. A few weeks went by and I didnt hear anything so I gave Comenity a call. The lady I spoke to informed me that they had closed the dispute. I had never received anything notifying me of their decision, nor did I receive any documentation provided to the credit card company from the merchant. They gave the merchant the upper hand and kept me in the dark. From the very start, this company did everything they could to set me up for failure. I would talk to someone on the phone and they would direct me to their messaging portal. I would do what they said and use the portal and then get a response that said I needed to call customer service. The fact I was told so many incorrect things and then could also never actually speak to anyone in the disputes department was beyond aggravating. I was told I could file a dispute through the portal and that I could submit my documents on there as well. All of those were in fact lies. I had to send those things in writing. I appealed the decision and this time was able to send in the documents, I even provided a copy of the XXXX reviews the owner was leaving for her own business. Shes a deceptive person, and I wanted them to see that. One of the representatives I spoke with had the audacity to tell me to take it to small claims court. I provided everything this company needed to do its job. They couldnt even provide me with an explanation as to why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
I have discovered that some accounts are not mine and I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors

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 2021-01-26 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: FL

Complaint narrative:
I have discovered that some accounts are not mine and I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: De Lage Landen Finance, LLC
State: CA

Complaint narrative:
When asked how was the amount owed, {$37000.00} calculated, they said they spent too much time on my file and if I don't respond today they will move to legal. XX/XX/2021 They offered my {$7700.00} settlement but I am not sure if original amount is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CA

Complaint narrative:
Hello my name is XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.

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 2021-01-26 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: CA

Complaint narrative:
Hello my name is XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.

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 2021-01-26 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: CA

Complaint narrative:
Hello my name is XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a shared account with my wife at Bank of America. Bank of America closed my account because my wife 's identity proof was out of date. I got a check with all the balance in my account. This also XXXX all auto-payments I had set up to pay for my credit cards with Bank of America. I went back to the bank and reopened my account, but forgot to set up auto payments which had gotten XXXX. This resulted in late payments on my credit card which has negatively impacted my credit score. My credit scores dropped by more than 50 points. 

XX/XX/XXXX - I got a letter from Bank of America saying my wife 's identity proof with the bank was out of date. I didn't open the letter assuming it was a regular marketing mail. 
XX/XX/XXXX - Bank of America closed my account and sent me a mail with a cheque for the balance in my account. 
XX/XX/XXXX - I reopened my account with Bank of America, but forgot to set up auto-pay. 
XX/XX/XXXX - I realized my credit score was impacted due to late payment. I called Bank of America and pointed out that the late payment was due to disruption with auto-payment due to my account being closed and opened again. 

My credit score has not gotten back to the previous levels yet.

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 2021-01-26 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: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2021-01-26 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: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank , N.A . failed to safeguard my funds in my Savings Plus account. My account was hacked on XX/XX/21 ( probably onXX/XX/21 ) as I was able to see the unauthorized ACH debit posted to an unknown account/person in the amount of {$19000.00}. 
I was shocked and immediately tried to report the fraud to Citibank and was sent to XXXX representative XXXX ID # : XXXX and explained what I saw and asked to report this as fraud/hacking. After several transfers and was unable to hear clearly I asked for a US representative in the Fraud department. I was told these funds were completely gone and the ACH transferred without any red flag alert, security check or confirmation that this large transfer was never my habit in 39 years banking with Citibank. They said they did not transfer money in increments but in less than overnight-they fully completed this fraudulent transaction. I was asked if I wanted to dispute and then assigned CASE ID # : XXXX. 
It has been my clear pattern and habit to transfer any funds from savings into checking before executing an ACH Debit. They said all that was needed to execute this fraud was my name, routing number and account number. This was very alarming, but they did not seem to want to expedite this matter until I asked to speak to a supervisor. Supervisor XXXX ID # : XXXX then expedited this to Citibank 's PECS Department which is internal, back office and I am not able to contact them directly. I have still not been given provisional credit or return of my funds and they only will say their investigation is " ongoing '' while I can not use my funds which I need now very much.

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