vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
I previously filed a complaint through the cfpb against this company for this and their response was Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Its been 5 days since my last communication with the company and I still have not received any documentation verifying that I own whatever debt they are trying to collect. According to 15 U.S. Code 1692g ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Congress Clearly STATES THAT YOU HAVE 5 DAYS TO SEND ALL THE INFORMATION SITED ABOVE TO ME ( PERSON ). It has been 5 days since last communication with collection agency. YOU HAVE VIOLATED THE 15 U.S. Code 1692g ( a ) by not being able to verify this debt in the time length given by congress. You have 10 Calendar days to request account deletion from all consumer reports for the account below Failure to respond satisfactorily with request for deletion of the above account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for 1. Defamation of Character 2. Negligent Non Compliance 3. Civil liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15U.S.C 1681 violations for willful noncompliance [ 616 Civil liability for willful noncompliance [ 15U.S.C 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
So cash app has a referral bonus going for inviting people and on atleast 6 or 7 invites ive completed the steps as required and was not awarded my bonus and neither was the people i invited. When contacting cash app customer service they just copy and paste the steps to get the bonus and say thats all the information they can give and end the chat. They in no way try to actually help or solve the problem. There was even an instance when one of the people i invited contacted their XXXX  support and XXXX support told them that the payment was issued but could not be completed by cash app and that the payment would not be re issued. What!? So a cash app payment could not be completed by cash app and it will not be reissued meaning I should have gotten the payment but since your system didnt complete it im just not going to get my money? That is extremely messed up and fraud this company needs to be regulated more or shut down for their fraudulent actions and lack of customer support. They dont care about their customers or attempt to help them they just copy and paste boilerplate responses then send you on your way with absolutely no resolution to your problem. I just recently sent a invite to my younger cousin and he used my referral code he sent me the required {$5.00} and he added a new debit card and the referral wasnt given to us and when he contacted customer service they just copy and pasted the steps to get the referral which he did and ended the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: GA

Complaint narrative:
I've sent in numerous disputes regarding these fraudulent accounts and requested the bureaus to send in information related to their verification and have yet to receive anything showing how they are verifying these fraudulent accounts. I've sent in a Police report for identity theft, a notarized affidavit and they still won't even block the fraudulent accounts. This has been going on for months and I'm sure they are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
I ask Discovery Card company why if the card has been close for 2 years why Im being charge Interest for a cash transaction and purchase transaction if Im not using a card the card has been closed for 2 years they told this is normal how could this be if Im not able too use this card please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I had a procedure done on XX/XX/XXXX by XXXX XXXX. I received a bill, statement date XX/XX/2021 for {$20.00}. I made several phone calls and even submitted my XXXX XXXX from XXXX that shows " Your share {$0.00}. '' I filed numerous complaints with XXXX to investigate and they even contacted the physician informing them I owed nothing. The provider ignored XXXX and me and turned me in to collections. I have attached all the documentation for your review. 

Provider is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Transworld Sysems Inc is the collection agency I was reported. XXXX also contacted them to no avail. I am still being harassed for a medical bill I do not owe which now becomes XXXX FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are inaccuracies on my credit report and I have contacted each credit bureau to report this information. I was informed that the information would be updated within 48-72 hours. There has been nothing updated and I am not sure what is going on. This has to be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: GA

Complaint narrative:
I've sent in numerous disputes regarding these fraudulent accounts and requested the bureaus to send in information related to their verification and have yet to receive anything showing how they are verifying these fraudulent accounts. I've sent in a Police report for identity theft, a notarized affidavit and they still won't even block the fraudulent accounts. This has been going on for months and I'm sure they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the 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 non-monetary relief
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the 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 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: HI

Complaint narrative:
Since XXXX of 2021 I have repeatedly disputed an inaccuracy with EARLY WARNING SYSTEMS about 5 times to this day to have a XXXX  XXXX XXXX account that isn't mine, they never provided me proof of signature when requested about this account. I've tried opening a checking account with XXXX again today to be denied due to this one account that they said supposedly " falls off '' in XXXX of this year. XXXX had the audacity to call my claims and demands for the report to be removed " FRIVOLOUS '' and implied they wouldn't move forward without " NEW PROOF '' for a continued dispute. I keep getting declined due to their negligence and want them held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I am being constantly harassed by a debt collector for a debt that has been discharged previously and now they want to place a lien on any of my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I XXXX XXXX was served papers around XXXX, XXXX from the court house in XXXX Tx, ( XXXX ) XXXX. Midland Credit management, XXXX, is suing me, XXXX XXXX, ( XXXX ) XXXX ) for the amount of XXXX $ that they acquired from XXXX XXXX, on behalf of XXXXXXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX on the purchase that was made with neither company having any record of that amount in all totaled purchases using XXXX. When I contacted Midland credit Management after several times and a week later, one of Midlands customer service people had told me the the Purchase was from a person with a last name of XXXX, and address of XXXX XXXX XXXX. XXXX NC XXXX, from which I have never been or have known of this person, or knowledge of any purchase from which was made. The Company suing me is where I acquired the name and address of this person that did make the purchase.The Credit Bureau has put this against me as bad credit. And needs to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is my third complaint against Bank of America. They ( without any notice or warning ) closed my account. I had reported them to the CFPB, XXXX, FDIC, and filed police reports against them. I believe this is why they closed my account. The reason I filed complaints was because they allowed another " valued '' bank of america customer steal {$6900.00} from me. The closed my account without any warning which left me without needed medical supplies. This bank never ceases to amaze me. They are the worst, and I will continue to blast them in every social platform 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 monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I deposited {$50000.00} on XX/XX/XXXX for a Citi Priority Account. Citi was offering a bonus on their website that if I deposited this money and maintained the funds for 60 days, I would receive a {$700.00} bonus. 

I have not received my bonus despite meeting the requirement stipulated when I signed up. 

I have chatted with Citi reps many times and even was confined that the bonus was coming by XX/XX/XXXX. When this date came and went and I did not receive my bonus, I filed a claim. Citi is now claiming that the promo code I used when signing up was not associated with my account. I did not use or need to use a promo code to open my account for this offer. It was not a targeted promotion. Seeing discussions online, it seems others are having the same problem. 

I would like to be credited the {$700.00} I am owed. 

Statement from Citi rep on XX/XX/XXXX confirming I was to receive the bonus : " To receive the promotional offer reward, " 1. You should deposit the funds within 20days of the account opening with " New to Citibank Funds '', which I can see that you have done successfully by XX/XX/XXXX XXXX. You need to maintain the required amount for 60 days from the XXXX day of account opening which is until XX/XX/XXXX ( Approx. ) After the 60 days period is over, you will receive the reward within 90 days which is on or before XX/XX/XXXX ( approx. ) New-to-Citibank Funds are 1 ) funds deposited from external accounts or payees other than Citibank , N.A . 
and 2 ) must be deposited using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank , N.A . or wire transfer. 
Cash deposits, Citi Global Transfers, international ACH transfers, and person-to-person transfer services such as XXXX XXXX  XXXX, XXXX, and XXXX XXXX do not qualify as New-to-Citibank Funds.

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 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Revolution Financial Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX. Main Street Personal Finance ripped me off big time. They also dba XXXX XXXX. I borrowed {$12000.00} and wound up paying {$120000.00}!! Then at the time of payoff they charged me an extra {$10000.00} for attorney fee for writing me letter giving me 2 weeks to pay off the balance which {$3000.00}. When I carried the {$3000.00} they refused to take it and wanted {$13000.00}! I had to come up with {$13000.00} in 2 weeks time or lose my home!! I have all my paperwork and receipts!! They are crooks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
Please be Advised, Ive been a victim of Identity theft. Ive never done business RentDebt Automated Collections , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX, I logged onto my Regions mobile banking app and found that Regions had removed {$3300.00} from my family 's general savings account and {$3400.00} from a savings account my wife and I opened for our son when he was born in XXXX. When I contacted Regions bank that night and then again the next day, Regions told me that someone had gone into two of their branches in Texas on XX/XX/XXXX, presented two private party checks payable to " XXXX XXXX '' ( my name ) in those amounts ( drawn on an account I don't recognize out of NY ), and been permitted to cash both of those checks because the Regions teller saw that I had enough money in savings to cover these two checks. The forger had written my SSN correctly on one check and incorrectly on the other check, and the signatures do not match my own. 

In any event, Regions accepted the checks in what I'd imagine was a hilariously clear violation of their own policies re : accepting checks considering the large amounts, non-matching signatures, incorrect SSN information, and me not having set foot in Texas in more than two decades. 

When Regions learned on XX/XX/XXXX that the obviously forged checks were in fact forged and that the bank had taken a loss of {$6700.00} as a result of not following their own policies, they removed that amount from my savings account with no prior notice to make the bank whole. In a pandemic, no less. 

I filed a police report, followed up with credit bureaus, and submitted all of the proper paperwork with Regions. Regions told me they had 10 business days to make a determination and credit my account. When I went in today ( day 10 ), the bank told me they actually had 30 days to figure out what happened and maybe give back the money they took from my account to " fix '' their mistake, at least as far as Regions ' bottom line is concerned. 

I've read the deposit agreement and can't find any provision that would allow Regions to accept a couple of ( patently suspicious ) forged checks in some lawless southern hellscape a thousand miles from here and then make themselves whole by pilfering my XXXX XXXX XXXX 's savings account. But you do you, Regions.

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 2022-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am disputing the validity of this alleged debt. I am requesting you verify who the original creditor is of this consumer credit transaction. Verify this alleged debt, provide me the consumer with the name and address of the original creditor. Chase auto finance shall cease collection of the debt, or any disputed portion therefore, until the debt collector obtains verification of a debt or a copy of a judgment, or the name and address of the original creditor in a copy of such verification or judgment, or name and address of the original creditor is mailed to the consumer by the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TX

Complaint narrative:
Transunion ignored my direct complaint. In XXXX, XXXX XXXX XXXX was removed from my credit report, only to be reinserted a few months later without my knowledge. The credit reporting agency must notify me in writing of the reinsertion within 5 days based on the requirements of the FCRA. This notification did not occur. I have repeatedly requested proof of the recently validated debt and reinsertion of the debt on multiple direct disputes sent certified mail to Transunion to reference a few from last year and early this year XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX without success. Despite my repeated requests, they have failed to provide me with a copy of any documentation submitted by XXXX XXXX XXXX substantiating their claims. Transunion has not complied with my request for their method of validation, which again is a violation of the FCRA. This item needs to be deleted immediately, Transunion has not acted in good faith for over a year of disputes on this creditor and never provided validation proof nor was the FCRA guidelines followed. This has impacted my score and credibility with creditors, my ability to receive approvals as well as good interest rates were impacted. This also resulted in account closures do to random soft credit pulls, as creditor did not see me liable to continue as a customer. This needs to be deleted immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
There are inaccuracies on my credit report and I have contacted each credit bureau to report this information. I was informed that the information would be updated within 48-72 hours. There has been nothing updated and I am not sure what is going on. This has to be fixed.

Company response to consumer: Closed with explanation