vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 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 SENT 609 LETTERS AND A DEMAND TO COMPLY TO ALL THREE AND THEY HAVE NOT RESPONSE. THE ITEMS YET

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MO

Complaint narrative:
I purchased a washer and dryer from Home Depot several months ago. They attempted to deliver damaged washer and dryer on XX/XX/XXXX. I refused the delivery. 
I requested a refund from them. It took a week to credit the Home Depot credit card I had used. 
I had paid the balance of the card in full for the washer and dryer in XX/XX/2020. 
I requested a refund from the credit card company and they said it would take 5 days. Its been 5 days and no refund. Now they say up to 17 days. 
Im wondering if they are going to refund my {$1600.00} at all?

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 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
WHEN CHECKING MY CREDIT REPORT TO QUALIFY FOR A MORTGAGE IT WAS DISCOVERED THAT THERE WERE SEVERAL ACCOUNTS ATTACHED TO PLACES I HAD NEVER LIVED IN XXXX XXXX NC DATING BACK APPROX. 6-7 YEARS AGO. DATE OF DISCOVERY WAS XXXX XXXX, 2020. I IMMEDIATELY FILED AN FTC REPORT AS I DO NOT LIVE IN THAT STATE AND LOCAL LAW ENFORCEMENT DIRECTED ME TO FTC WEBSITE. SINCE THEN I HAVE SUCCESSFULLY REMOVED ALL BUT 1 ACCOUNT : BULL CITY FINANCIAL, WHO IS TRYING TO COLLECT FOR XXXX XXXX. I SENT THEM A COPY OF THE FTC REPORT AND CALLED THEM MULTIPLE TIMES. INSTEAD OF ACKNOWLEDGING A GOVERNMENT DOCUMENT THAT I HAD TO SIGN THAT I WAS TELLING THE TRUTH THE TOLD ME I HAD TO PAY THE BILL OR DRIVE TO XXXX XXXX  NC AND FILE A LOCAL POLICE REPORT IN PERSON AND SUPPLY DOCUMENTATION OF EVERYWHERE I HAVE LIVED IN PAST 7-10 YEARS. LOCAL LAW ENFORCEMENT TOLD ME THEY SHOULD HAVE RECOGNIZED THE DOCUMENT AND I SHOULD CONTACT YOU AT THIS POINT. i HAVE SINCE UPDATED FTC REPORT WITH THE 1 OUTSTANDING ISSUE AND ATTACH A COPY TO THIS COMPLAINT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: STERLING JEWELERS, INC.
State: CO

Complaint narrative:
I have been writing the credit bureaus and this company about this account and they are both refusing to validate or verify the debt. This particular complaint is against this company. I want this account removed from the credit reporting agencies because its inaccurate and false and they refused to verify or validate the debt and gave me a stall tactic response. I have attached the documents that I sent to them and their response. This has been going on too long and I am fed up with this foolishness. I am not attaching any identification documents for my fear that this company will use it to fraudulently validate this debt. This account has so many inaccuracies across all three bureaus

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AE

Complaint narrative:
I appear to be the victim of fraud carried out using my name and former address in XXXX OH. I became aware of the situation when my former neighbors sent me an e-mail with photos of a delinquent car insurance bill from XXXX XXXX XXXX ( XXXX ) in XXXX, PA ( attached ). Our neighbors check our mail box for us. My wife and I moved from our house at XXXX XXXX  XXXX XXXX, XXXX, OH in the summer of XXXX to Florida and subsequently to XXXX. We have not been in the US since XXXX. We started renting out our house on XXXX starting in XXXX. It is not currently occupied. 
I called XXXX XXXX XXXX on XXXX XX/XX/XXXX and informed them that I had not taken out a car insurance policy with them and did not owe them any policy money. The policy was issued in part based on my Florida driver 's license. The Florida driver 's license number XXXX XXXX has is my correct driver 's license number. I did not ask if they had a copy of the license or not. Again I reiterated that I was not responsible for the unpaid premium on the policy XXXX the policy had been issued on XXXX XX/XX/XXXX and terminated for non-payment on XXXX XX/XX/XXXX ) and was informed they would work on the problem. 
On XXXX XX/XX/XXXX I received a subsequent e-mail from my former neighbors in Ohio with photos of a demand for payment from CCS Payment ( XXXX ) in XXXX, MA ( attached ). On XXXX XX/XX/XXXX I called CCS and talked to XXXX XXXX. She said she would note that I disputed responsibility for the bill and that I should fill out a police report for fraud and forward a copy to CSC. 
As shown on the XXXX XXXX XXXX paperwork, the insurance is for a XXXX XXXX XXXXXXXX. I have never owned such a vehicle. Additionally, since XXXX, I have insured all of our vehicles with the XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX said that a XXXX contact telephone number was given ( XXXX ). I called this number, but it was no good.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received checks, log book, deposit slips and withdraw slips for a checking account I did not open on XX/XX/XXXX in my mail box. I then called the bank located in Texas " TD Bank '' and they told me to file this complaint with you. They also told me to call Social Security, XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: NV

Complaint narrative:
Equifax and XXXX  were reporting two collections on my credit file with a company by the name of XXXX XXXX XXXX. I did dispute the account and in XXXX they both were removed. Then I get an update on my credit report this month and they have returned. This is against the FCRA they can't delete them and keep putting them back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
SOMETIME AROUND XXXX OF 2017 A CREDIT CARD FROM COMENITY BANK/XXXX  WAS OPENED IN MY NAME WITHOUT MY CONSENT. I HAVE TRIED CONTACTING THIS COMPANY DIRECTLY WITH NO RESPONSE. I AM A VICTIM OF IDENTITY THEFT AND WANT THIS ISSUE RESOLVED AS SOON AS POSSIBLE. THE AMOUNT IS {$350.00} DOLLARS ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I have contact XXXX, XXXX and XXXX  in regards to frauduelent loans, and other credit issuing. I was homeless since XXXX until recently have signed a lease. There shuould not be any home loans, credit cards report or other due to me being undomicle.

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 2021-02-05 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: NV

Complaint narrative:
XXXX  and TransUnion were reporting two collections on my credit file with a company by the name of XXXX XXXX XXXX. I did dispute the account and in XXXX they both were removed. Then I get an update on my credit report this month and they have returned. This is against the FCRA they can't delete them and keep putting them back on.

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 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : Equifax : XXXX XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX  - XXXX XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OZK
State: GA

Complaint narrative:
Bank OZK charged me on 3 separate occasions overdraft fees for charges I reported as fraud or that were reversed due to fraud or mistakes. I reported this to them and they have yet to refund me the {$100.00} for unnecessary and frequent back to back overdraft charges. Their local branch in XXXX GA attempted to harass me when I tried to report an employee and then tried to give me one day to mail in a written form and quickly closed my bank account to cover themselves. now my bank account is gone due to their rashness. They owe me money and have been negligent. I want my {$100.00} and I am not resting until they pay me. 

I have no documents due to my rashly deleted account which booted me from all access to records before I even got home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2021 I noticed a charge from XXXX for {$21.00} that I did not make. I immediately disputed the charge and had them close the card and issue a new one. I tried reaching out the restaurant that the charge was made at but the restaurants phone number was disconnected. Keybank has the account flagged for having a dispute but no provisional credit has been issued and the transaction is still pending resolve over 2 weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This morning ( XX/XX/2021 ), I made two purchases using my Visa credit card, at two popular online retailers. When I logged into my Visa account online about 20 minutes later, I saw those two authorized transactions, plus a {$1.00} charge for " XXXX '' that I had not authorized. 

I did some research, and the URL for " XXXX '' appears to be affiliated with TransUnion. The home page advertises a " 7-day {$1.00} trial of our credit monitoring. '' I did not enroll, and do not consent to enroll, in any credit monitoring program. I had to cancel my Visa credit card as a result of the unauthorized enrollment and the {$1.00} charge ( which I'm sure would have automatically rolled over into a monthly fee ).

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 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My long term bank, the USAA Federal Savings Bank, is requiring that I answer a number of questions of a personal financial nature before they will allow me access to my accounts. They are effectively locking me out of my accounts preventing from all functions. How can they do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I spoke with the company regarding ticket debt after the county the tickets were owed to forwarded me to them only to find out this debt was in place for over 2 years I was never contacted by mail or phone or given the chance to dispute after calling and confirming my address I still received no letter and was told they will be adding collection agency fees to the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
A UTILITY BILL WAS OPENED IN MY NAME WITHOUT MY CONSENT FOR {$660.00} DOLLARS. I CONTACTED THEM DIRECTLY WITH NO RESPONSE. PLEASE ADRESS THIS ISSUE AS SOON AS POSSIBLE ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : TransUnion : XXXX XXXX XX/XX/XXXX {$5000.00} XXXX/XXXX  XXXXXX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXXXX/XX/XXXX {$5900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL 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 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2018, I was seen in XXXX XXXX for the placement of a XXXX. On said date of service, I was provided with a statement which confirmed my responsibility would be XXXX dollars. I was once again seen in the office on XX/XX/2018 for XXXX  and XXXX XXXX  and was advised that my insurance would not cover the multiple elements of the XXXX  and they could finance the {$380.00} via a deferred interest plan for which I found odd since my XXXX XXXX covers 100 % of the cleaning in the past 42 years I have had the plan however I agreed. This {$380.00} has been since paid off. I received a statement from XXXX XXXX  a few months later stating that I owed the money for the XXXX  from XX/XX/18 as well as still owing money for the cleaning on XX/XX/18 which totaled {$630.00} even though I was provided a finance plan to pay and was completed with that total. When I contacted the provider, they were unwilling to listen to all the proof that they had confirmed no balance for XX/XX/2018 as well as the agreed upon amount for XX/XX/2018 being paid. I am providing said documents discussed above with this complaint. As an additional note to further prove the erroneous accounting system XXXX has, you will see on one of the documents I provide where XXXX applies the financed payment of {$380.00} to my XX/XX/2018 visit when in fact this was done on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Carma Enterprises Inc
State: NV

Complaint narrative:
After months and months, I have still not made any progress in getting this company to do the right thing, So i am turning to CFPB for help. They are reporting inaccurate information to my credit report and it needs to be deleted ASAP. They never seem to investigate only give false claims, The XXXX  was unable to help i am hoping that you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
I called for a payoff and the amount was excessive and exceeded the laws of interest in Massachusetts on XX/XX/2021 and will not settle for a reasonable amount I have paid back 3 times the amount of original loan

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 2021-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: U.S. Auto Sales Inc.
State: FL

Complaint narrative:
I was in dyer need of a vehicle because the one I had was giving me some issues and I have a lot of medical appointments at the va and so does my wife as well. So I trade in my XXXX XXXX  and they told me that they will give me XXXX dollars, I accept and they also took from another XXXX dollars. Now, I got the vehicle and now I went to different other dealers to trade it and the value of the vehicle is XXXX dollars and my balance is XXXX dollars and I have been making payments and I dont know where my money is going. I made several calls to talk with agents and they were very rude by saying didnt you read your contract. Didnt you sign it I mean they were so rude to me. I said ok, I have always made my payments on time and I also tried to refinance with my credit union, XXXX and XXXX  XXXX XXXX and they both told me that they can not do it because the value of the vehicle is too low and I am in a big negative XXXX dollars. How can a company do that to its customers and especially us XXXX veteran. How can the law allows such a practice from a company. 
Now, this morning, this is the moment that I decided to submit a complaint and I will also ask the veterans affairs for legal help to file a law suit against this company. I woke up this morning at XXXX XXXX  to start my vehicle because my wife have a XXXX  XXXX at XXXX XXXX  at the va hospital and my vehicle will not start and I never been late except this month for only 4 days and every company gives their customers 5 days or more grace period but this company did not and killed switch my vehicle for being late for 4 days when I have so much to worry about my wife health conditions and her XXXX. I will attach her medical documents so you can see how unjust is this company, how shady they are and should not be in business.

Company response to consumer: Closed with explanation