vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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:
This is my fourth time disputing these accounts with the bureaus as well as the furnishers I am a victim of Identity theft and these accounts were not opened by me signed by me or approved by me. I have sent multiple letters from XXXX to no avail. I need this taken care of as soon as possible. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello CFPB! 

This complaint is for Citi Credit Card. 

I am writing to talk about Citi 's Credit Card Membership Fee accident. My credit card number is ending in XXXX, valid Through XX/XX/XXXX. Name on card is XXXX XXXX. 
XXXX years ago, I called Citi to close this account and Citi told me it was closed. Then I just let it go for a long time and didn't use & monitor my Citi Credit Card. If Citi takes a look at my statement history, they will find I stopped using this card since then because I was told this account was closed. 

On XXXX XXXX, I happened to find that the card is still active, and Citi was keeping charing me membership fees. So Citi charged me for two times membership fee without informing me! I also never get the mail statement regarding these fees, no chance for me to cancel or dispute. 

On XXXX XX/XX/XXXX, I called Citi Customer Service to refund my XXXX 's membership fee and close this account. At that time, I was told to wait for a refund check and the account would be closed. 

I have been checking mail boxes for two months for the refund check and now I suddenly found that the account is Still OPEN! 

I called tonight ( as of XX/XX/XXXX around XXXX CDT ) Customer Service and got treated the rudest way in my life. Those XXXX Customer Service representatives, they told me they are : XXXX XXXX and XXXX Senior Supervisor XXXX. Ironically, hey said " there was no way to waive the recently charged membership fee '', because I called " too late '', which I don't believe because customers should have right to dispute their most recent past statement. 

I would like to talk to Citi to resolve these issues : ( 1 ) Why Citi didn't close my account two years ago, neither did Citi close my account on XXXX? Why all phone calls ended up keeping my account open? This is causing financial loss for fee-paying account! 
( 2 ) How does Citi train their customer representatives? Why they know nothing and keep doing wrong things? Who should be responsible for this accident?

( 3 ) How to resolve the long-lasting membership fee issue? I request 2 years membership fee back, due to it was violating customer 's consent. 

Thank you for taking care of this issue! I really appreciate it!

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 2021-03-19 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:
This is my fourth time disputing these accounts with the bureaus as well as the furnishers I am a victim of Identity theft and these accounts were not opened by me signed by me or approved by me. I have sent multiple letters from XXXX to no avail. I need this taken care of as soon as possible. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ON XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2021-03-19 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:
This is my fourth time disputing these accounts with the bureaus as well as the furnishers I am a victim of Identity theft and these accounts were not opened by me signed by me or approved by me. I have sent multiple letters from XXXX to no avail. I need this taken care of as soon as possible. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ON XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have had nothing but issues with Experian credit report Bureau, I have contacted them 10 or more times since XX/XX/XXXX, and many times prior to that. I first contacted the Bureau in reference to a bankruptcy that started showing on my credit report in which I have never filed for bankruptcy, I contacted them as well as the US District Courts in XXXX Tx, I entered my information along with my social security number no information under my social, I then spoke with a court clerk she stated that she have nothing showing under my social security number she advised me to dispute it I did Experian will not remove this information, I asked them to verify my social security number they still haven't did this. I then have a nother issue with them I paid off a vehicle finance by XXXX XXXX in XX/XX/XXXX there was a late payment reported in the amount of XXXX XX/XX/XXXX, I contacted my creditor they advised Experian has access to their customer accounts and pulled information that wasn't correct I spoke with XXXX XXXX she advised me to dispute the information and she would get it corrected this was back in XXXX XXXX now almost XXXX and nothing has been corrected. I spoke with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX and XX/XX/XXXX, I've been hung up on told that they were submitting the dispute however I never received any information. This company is reporting accounts that aren't mine addresses that I have never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX # XXXX XXXX TX, I've never lived there XXXX XXXX XXXX XXXX this isn't my account, XXXX XXXX XXXX this is not my account.. Erroneous alias names I've never used. This company shouldn't be allowed to do this, I have credit monitoring with this company I received alerts stating my information showed on the XXXX XXXX, however they are so rude unprofessional and unconcerned I was hung up on I need this company to be held accountable for the lack luster attitude they have concerning the publics file

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 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a complaint with CFPB and the company responded however their response was not posted on your web site. I was told I would receive their response via US mail and I have not. 

My complaint number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX I called capital one bank because my account was on hold and Co said I was under investigation to prove the existence of my business. CO provided me with the worngful email to submit the documents. XX/XX/XXXX I called Co and a CSR made me aware of the wrong information they gave me. I submitted 22 times the documents via email as well as I went twice to a branch to bring the original documents. On XX/XX/XXXX at XXXX capital one released my funds. On XX/XX/XXXX I received a phone call from an investigator stating that my funds were witheld again because SBA issued them a directive..I called SBA and my account is current and SBA never requested to keep my funds. CO is refusing to give me my money back. I have a time line with events, I'd number for the employees and investigators

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian Monthly Subscription No response to XXXX Dispute Report XXXX XX/XX/2021. 

Denied being able to dispute XXXX FIOS overcharged for the retailer not communicating with XXXX billing end of service/return of equipment. 

Notification unable to locate credit file, directed to contact Experian XXXX for XXXX residents. 

Refused process of online disputes. 

Call 888 # social security number not recognized by automated system for services. 

Payment for denied service.

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 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: NV

Complaint narrative:
On XX/XX/2021, a direct debit for {$100.00} was made from my bank to Continental EXC XXXX XXXX for XXXX XXXX XXXX. XXXX XXXXXXXX XXXX is supposed to deposit the amount converted to XXXX to my recipients bank account in the XXXX on XX/XX/2021 to be available XXXX XXXX. 

The amount was never deposited to the recipients account. After talking to XXXX XXXX XXXX, I was told to contact my bank to initiate a fund recall which I told my bank by phone and email. XXXX XXXXXXXX XXXX sent me an email to ask the bank to initiate the process which I forwarded to the bank. 

After talking to XXXX XXXX XXXX and my bank several times, my bank kept saying they can not do a fund recall and that XXXX XXXX XXXX  should refund the money back to my account. 

XXXX XXXX XXXX is saying they can not do the refund until the bank starts the process of recalling the funds. 

Several phone conversations with both the bank and XXXX XXXX XXXX saying the same thing about the other side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Never received {$100.00} bank says is in my favor. And {$100.00} has no merchant. I request {$200.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have been laid-off for eight-month and I'm really struggling financially. My wife has an issue with PayPal. PayPal decided to hold -off her money for 180 days without any reason or notifications. Her friends advised her to take this issue to a Congressman in order to solve it. My family really needs this money, the money amount not that great but due to my situation still means a lot to us. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-03-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, 2015 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
we were in the process to refinance our home to get a better interest rate with Quicken Loans we started this process in XXXX we had a rep who worked with us name XXXX XXXX every document they needed we gave them the end of XXXX they needed proof we paid XXXX mortgage which we showed the statement it was paid the next information from XXXX was XXXX guys are in closing the next step is XXXX notary will call XXXX to schedule XXXX XXXX them to come and sign papers i said do we have to pay XXXX mortgage he said no we are good weeks went by i did not hear from XXXX he was hard to get ahold of he never called back finally he called back on XX/XX/XXXX he said bad news the under writer needs proof of XXXX mortgage paid i was so upset he gave us misleading information he was not on our team he should of told us earlier that we needed to pay XXXX mortgage we would of paid it on time so i paid mortgage on XX/XX/XXXX it posted on XX/XX/XXXX he tells us sorry we can not give u the loan due to it shows u have a XXXX day late! we are so disappointed that this happened all because he informed us we were closing we did not have to pay XXXX mortgage not only did we not get the loan due to their mistake we have a XXXX day late on our credit i have owned our home for XXXX years never a XXXX day late until now.we were told we would get our XXXX appraisal back at the end i questioned what if the loan does not go through then what happens he said we will give it back that is why we paid up front my parents had a loan with them they did not have to pay up front they paid at end of loan XXXX again misinformed us we don't have XXXX to lose we want our appraisal money back i called to speak with XXXX name XXXX he listen to what i had to say all he could say was sorry we can not reimburse your money and because it showed XXXX day late we can not finance you are u kidding me this is a huge company advertisement says " we stand by our customers to make sure they are happy and have a good experience with us " very false this was the worst experience we have had XXXX was not on our team he never informed us ahead of time what was going on the last conversation we had was you are in closing we are almost at the finish line well that was false! i would appreciate your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid off a XXXX XXXX finance by XXXX XXXX, the vehicle was paid off XX/XX/XXXX, however I receive a late payment on my credit report XX/XX/XXXX in the amount of XXXX, I contact the finance company by phone and email and spoke with XXXX XXXX, she advised me to dispute the information back in XXXX so I contact Experian to dispute the information I speak with a representative and explain to them what happened and what I was told by XXXX XXXX which was Experian has access to their customer accounts and they pulled the wrong information XXXX didn't report it, which I feel should be illegal Experian shouldn't be able to just go in and look into consumer accounts I sign documents stating I didn't want my information shared, I agree to have XXXX  to report but not having my information open and readily available for a XXXX party to review when ever they want. After speaking. with Experian and they representative telling me they didn't just go into the system and pull the information it was reported by the finance company, I advised the representative that I need to dispute this information it need to be corrected this XXXX payment caused my score to drop XXXX points not XXXX but XXXX points. This was all in XXXX nothing happen, I email XXXX XXXX and asked if should could update my report showing the vehicle paid off she practically told me that I didn't do what she told me to that's why it hasn't been corrected, I tried to tell this XXXX lady that I did and have contacted them XXXX times, she kept saying that I needed to go to the website and dispute it that I can't dispute over the phone, I'm guessing that's the only way she knows how to dispute items, I said I had to call them I couldn't do it over the web she became very rude even threatening she stated I was calling her a liar because I disagreed with what she said and proceeds to tell me to come up there and say it in her face, this is an XXXX woman by the sound of her voice, so I'm appalled that she's so unprofessional and now its XXXX and I'm still showing a past due payment and a balance over {$18000.00} dollars and this is after I've purchased another vehicle in the amount of XXXX I only purchased again because of XXXX and the XXXX team they are some very good people. XXXX XXXX needs a class in customer service I have attached all emails between her and myself as well as myself and XXXX regarding putting the balance after the XXXX of the vehicle on the end of the new vehicle which was 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 2021-03-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a validation letter to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. They didn't respond until XX/XX/XXXX. They failed to validate that they are authorized to collect in Texas and other demands I have by right. They only sent a copy of a contract. I sent a letter to Equifax on XX/XX/XXXX demanding removal of account number XXXX for being in direct violation of the fair credit reporting act twice. 15 days have passed and I still have not been updated on the status of this removal. I would like this to be removed immediately. 

I authorize CFPB to investigate this matter on my behalf for account number XXXX attached to my social ending in XXXX.

Company response to consumer: Closed with explanation