vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: UT

Complaint narrative:
After a XXXX XXXX issue and had it resolved we had a medical bills from XXXX XXXXXXXX XXXX  that went unnoticed because we thought insurance was still paying it. Before we knew it the account was closed and sent to collections in XX/XX/XXXX. XXXX XXXX XXXX XXXX, they helped us out by reducing the owed amount from XXXX to just XXXX to settle it on XXXXThis was in paid in full that day by a credit card. The bill was paid and on with life we went. 
In XXXX of XXXX we get this call and a notice from Medical Data Systems another collection agency that was trying to collect on this account again for the exact amount that was written off {$300.00}. We were XXXX founded and disputed the validity of the collection and sent them all the current paper work we had. They continued to call until the end of XX/XX/XXXX. We got an alert on my credit report that they dinged my credit for the collection. I called them and Medical Data Systems wouldn't give me any proof of the debt or how they got the collection. All they claimed is that it was from XXXX XXXX. I called XXXX XXXX and they said that's impossible, and that the account was closed and sent to collections in XX/XX/XXXX. There was not another collection sent out on that account or wouldn't be because the account was closed. We are fighting with XXXX to have it removed from my credit and they will not do anything about the negative report. It dropped my credit score from a XXXX to a XXXX and we have been trying to consolidate our debt because i was laid off last year because of COVID-19 for 3 months and we lived off credit cards. We can not qualify for the consolidation because of this negative report. Medical Data Systems has not been able to provide proof of the debt and basically has fraudulently claimed the debt to be owed. I know how Medical Data Systems works and have extensively researched the com plaints about this company and its tactics to get people to pay the debt, by using strategies like we will remove the negative report if you pay the collections that is not even valid. I know i am not the only one that is being held XXXX with this issue by this company and its illegal collection tactics.

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 2021-08-10 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: FL

Complaint narrative:
I have filed 4 complaints against Equifax asking them to provide me with the additional information they went on record on XXXX the XXXX and claimed they had that validated the debt between me and XXXX XXXX XXXX. The attached document ( Equifax XXXX ) is what they keep mailing to me in response to my complaints, There is nothing on that document that is different from the one I submitted in my complaints ( XXXX, XXXX, XXXX, XXXX ) that Equifax said they had the additional information on. Equifax keeps sending me the same identical information that they attached to my dispute resolution on XXXX the XXXX. ( See Equifax dispute 3 ). I want to see this additional information they claim to have. The information they keep mailing to me is not additional information from the original creditor that validated this debt. This is the same exact information that Equifax supplied me on XXXX the XXXX. This debt is not a valid debt and Equifax is lying when they say they have additional information that validates the debt. The SC Attorney General office Consumer Protection division has already opened a fraud investigation against XXXX XXXX XXXX for making up bogus s debts and supply them to the credit bureaus to scam people into paying these debts. I have a legal right to see this addition ( NOT THE SAME BUT ADDITIONAL ) information Equifax claims they have from the original creditor that validated this debt.Read the attached document I received in the mail from them today. This is not additional information that validates this debt. In the part of the document that says additional information there is nothing there. I want to see this additional information. Stop sending me the identical information you sent attached to my dispute resolution on XXXX the second. The information they keep se So far the CFPB once again has taken no action against Equifax even though Equifax is denying me my rights by not showing me this alleged addition information they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: NV

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be 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 Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NM XXXX, Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX NM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be 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 Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Also Known As : XXXX XXXX, Also Known As : XXXX XXXX, Former : XXXX XXXX XXXX, Former : XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX MI XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I was issued a refund thru cash app by a merchant XX/XX/2021 but never received the refund. It was 4 refunds {$25.00}, {$25.00}, {$15.00}, and {$25.00}. It is XX/XX/2021 and I still have not gotten my money or any reasonable solution or date of when my funds will go back into my account. I have contacted them every day in every way possible and they will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX XXXXXXXX XXXX I received an alert that SYNCB/LOWE 'S XXXX placed a credit inquiry on my XXXX  credit report. I contacted SYNCB/LOWE 'S the same day I got the alert. The agent I spoke with me had no record of my credit application I contacted XXXX via phone and sent a letter challenging there findings. I received a letter back in the time allotted for the major credit bureau to responding, in which, they verified the information as correct. I sent another letter explaining that FCRA allows a consumer to have full disclosure on the information obtained from the creditor, this wasn't provided and the inquire still remains on my credit profile. 

On XX/XX/2021 I received an alert that XXXX  - XXXX XXXX placed a credit inquiry on my XXXX  credit report. I contacted XXXX  - XXXX XXXX the same day I got the alert. No resolution has been made to remove this inquire.

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 2021-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
XXXX I did a loan modification on my mortgage with US Bank XX/XX/XXXX I sold the property and had to pay {$13000.00} back to HUD That amount sounds excessive and I do not think it is accurate

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 2021-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I applied for auto financing with XXXX XXXX in XXXX, Tn with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX sent the application to XXXX  XXXX XXXX.. XXXX XXXX XXXX  denied me Credit. To my understanding Credit  is a " Right '' not a privilege. XXXX  XXXX  XXXX   has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my 3rd complain for same issue since last 5 months. The issue is going on with 9 Months and evetime XXXX  XXXX say they never reported it and every time credit XXXX says its XXXX  XXXX who has reported it. 

I am attaching screenshots from previous complain where i stated XXXX  XXXX  lied in CFPB platform and saved their company and ruined my credit profile and haraased me for 9 months. I need a final help from Govt body and truth and who ever has done is should be accountable this time. 

I filed a dispute today XX/XX/XXXX as their report says late payment reported by XXXX  XXXX  with Transunion with dispute number 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 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NY

Complaint narrative:
I called discover about my direct deposit that was scheduled and post dated for XX/XX/XXXX released XX/XX/XXXX and the deposit was set for XX/XX/XXXX in the amount of XXXX and XXXX. I called Wednesday and they said my deposits in those amounts are pending to be posted the next day Thursday I called all of sudden my account was frozen with out my knowledge and never got a call from Discover said they rejected payments and it was sent back to nys dept of labor and they said they did not receive anything no rejection nothing. The bank cxl my direct deposit and now they dont know where my deposit its been over a week with no answers on my accounts that were set up via auto pay got hit with fees all of this drama.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Earnest Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I was notified via email ( Juno ) about an incentive to refinance student loans. I decided to get more information regarding the incentive and found that if I applied for a refinance loan with XXXX, I would be eligible to receive a {$500.00} reward if the following conditions were met : not current XXXX client, or received the bonus before, submit completed student loan refinancing application via link, provide valid email address and checking account number in the application, loan must be fully disbursed. I proceeded to click the external link and completed an application which was subsequently approved. I never received my reward. I contacted XXXX customer support. I was told refinance loans did not qualify for reward. I subsequently sent an image of the conditions of the reward offer from which i was referred. The rep then said he was mistaken and refinance loans do indeed qualify for the referral reward, but claims I did not click the link that would entitle me to such. I then sent images of my browser history that shows I arrived from the partner link, including time stamps. After speaking with another rep, who clearly stated that this has been frequently occurring issue with new loan applicant, I was told they have no record of my clicking the referral link despite my immutable evidence to contrary. XXXX representatives claim they have evidence my account is not associated with any referral link, but refuse to provide such evidence. XXXX is actively baiting prospective applicants with a reward they have no intention of providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have requested that LexisNexis freeze my report, a request for suppression because I'm a victim of identity theft, and I also request that my consumer file be sent to me, and neither has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX of this year, I received a promotional email from Citibank that advertised a bonus of {$400.00} if I open a new saving account and fund the account with {$100000.00}. I opened the saving account online following the promotion and funded the required amount, patiently waiting for the bonus to show up. 
Reading the fine prints in details, I waited for a few months and never saw the bonus. I then contacted Citibank. The response after their investigation was that the Promotion Code XXXX was not targeted to my account, unless I can provide evidence. Funny thing that I never even mentioned that was the promotion code I signed up with. 
Luckily, I have at least XXXX emails from Citibank that shows this Promotion Code XXXX was indeed targeted to my account. The promotional emails have my name, my checking account number ( ending XXXX ), and all the fine prints and promotion code clearly spelled out. Then I went through a month of XXXX trying to provide this evidence to Citibank. I've spoke to 3 supervisors and countless representatives. I have emailed them the evidence 3 times, faxed 1 time, and even had my local Citibank representative to manually upload the evidence emails to the case. Four cases were opened for this investigation, and all 4 cases resulted the same resolution - Promotion Code XXXX not targeted to my account. I patiently tried again and again to provide the evidence and at my last encounter with a supervisor, she was finally able to locate my emails and promised to attach my emails to the case, yet the case still resulted the same resolution without ever mentioning my evidences. I'm truly disappointed in how unethical Citibank tricked its customers to sign up for a promotion that was set up to be a trap. I'm writing to demand my {$400.00} bonus. Please see my attached promotional email from Citibank in XXXX, XXXX, and XXXX, each indicated that this promotion was targeted to my account, with my name, checking account number, and the promotion code in clear text. I'm also including 2 of the 4 cases resolution letters from Citibank ( Dispute case # XXXX and 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 monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I have recently requested that information my credit report be removed to the fact that when I settle with my closed accounts I was promised the removal of closed accounts if I settled with second party agency that house my debts This information was false or misleading and is a direct violation of the consumer law I have stated this many of times and have been ignored repeatedly I just want these closed accounts remove off my credit report immediately from all three bureaus 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have recently requested that information my credit report be removed to the fact that when I settle with my closed accounts I was promised the removal of closed accounts if I settled with second party agency that house my debts This information was false or misleading and is a direct violation of the consumer law I have stated this many of times and have been ignored repeatedly I just want these closed accounts remove off my credit report immediately from all three bureaus 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: FL

Complaint narrative:
I have filed 4 complaints against Equifax asking them to provide me with the additional information they went on record on XXXX the XXXX and claimed they had that validated the debt between me and XXXX XXXX XXXX. The attached document ( Equifax XXXX ) is what they keep mailing to me in response to my complaints, There is nothing on that document that is different from the one I submitted in my complaints ( XXXX, XXXX, XXXX, XXXX ) that Equifax said they had the additional information on. Equifax keeps sending me the same identical information that they attached to my dispute resolution on XXXX the XXXX. ( See Equifax dispute 3 ). I want to see this additional information they claim to have. The information they keep mailing to me is not additional information from the original creditor that validated this debt. This is the same exact information that Equifax supplied me on XXXX the XXXX. This debt is not a valid debt and Equifax is lying when they say they have additional information that validates the debt. The SC Attorney General office Consumer Protection division has already opened a fraud investigation against XXXX XXXX XXXX for making up bogus s debts and supply them to the credit bureaus to scam people into paying these debts. I have a legal right to see this addition ( NOT THE SAME BUT ADDITIONAL ) information Equifax claims they have from the original creditor that validated this debt.Read the attached document I received in the mail from them today. This is not additional information that validates this debt. In the part of the document that says additional information there is nothing there. I want to see this additional information. Stop sending me the identical information you sent attached to my dispute resolution on XXXX the second. The information they keep XXXX So far the CFPB once again has taken no action against Equifax even though Equifax is denying me my rights by not showing me this alleged addition information they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
MY CREDIT REPORT WAS RAN WITHOUT MY KNOWLEDGE OR CONSENT. I AM A VICTIM OF IDENTITY FRAUD. 

INQUIRIES : XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
This is my 3rd complain for same issue since last 5 months. The issue is going on with 9 Months and evetime new Rez say they never reported it and every time credit beuros says its new Rez who has reported it.

I am attaching screenshots from previous complain where i stated new rez lied in CFPB platform and saved their company and ruined my credit profile and haraased me for 9 months. I need a final help from Govt body and truth and who ever has done is should be accountable this time. 

I filed a dispute today XX/XX/XXXX as their report says late payment reported by new Rez with XXXX  with dispute number XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation