vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Based on my submitted complaint below I am now being harassed with phone calls in an attempt to collect a debt that is not owed. My account is currently update but the company closed it regardless. 

Citi Cards closed my account while I was on a payment program arrangement due to hardship during the covid19 pandemic.My payment are current and in good standing and I have credit available. But yet they chose to close the account regardless. To take this action in the middle of a pandemic when I was trying my best to pay them and keep the account in good standing I deem it inhumane, discriminative and predatory practices. As a result of their actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should not just send out letters to the company company but investigate the issue at hand and punish them accordingly. As previously stated and in case I need to remind anyone we are in the middle of a pandemic and people are suffering both health wise and financially also. Their action are unjustifiableand should not be allowed under any circumstances. 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 2021-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX ran two hard inquiries for a secured credit line, bringing my credit down 17 points, devastating as the secured credit card is for helping build credit and the creditors take zero risk as I cant spend over my own deposit,. This act is predatory and no reason for two hard inquiries for a credit line that was excepted? was also told it would be a soft i inquiry as its a secured credit card

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 2021-04-03 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: NJ

Complaint narrative:
I've contacted Equifax but I still have an incorrect address and account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I put in a dispute on XX/XX/2021 for a transaction I got scammed on. the transaction was for {$2700.00} made on XX/XX/2021. I got an update on the dispute on XX/XX/2021 that the results were not in my favor. I disputed this transaction because I bought jewelry in which the seller told me it had real diamonds, I took it to another jeweler, 3 to be exact and they all told me it was not real, I do have a video of another jeweler saying it was not real. I contacted the seller and requested a refund in return for his fake jewelry he sold me, and he told me no its not his problem, there is nothing he could do about it. Moral of the story he won because he provided evidence that I bought it, in which I did, I didnt dispute it due to fraud transaction, I disputed it because I got scammed. im trying to dispute that dispute and restart the " investigation '' and submit my evidence and I was supposed to get an email but haven't. im disappointed with Goldman Sachs bank and the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a payment on the wrong credit card ending with XXXX for {$6700.00}. 
The payment should have been made to the card ending with XXXX.I have called Citi bank 4 times and all they keep doing is give me wrong information saying the mis applied payment will be transferred to right account.Its a shame Citi bank has not yet processed the mis applied payment transfer for the last two weeks!

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 2021-04-03 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I see multiple 30-120 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 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 2021-04-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/2020 I sent notarized documentation to both XXXX  and Equifax credit bureaus. XXXX account failed to respond within the 45 days. 
I had to resend notarized documentation again in XXXX to get the account reinvestigated. 
Now Im being told that if XXXX does not send the documentation stating that account is closed it will remain on my account. 
XXXX has provided me with the deed of foreclosure with a balance as of XXXX Im not responsible for this account and XXXX and Equifax keep allowing inaccurate information report on my file which is creating undue stress and credit worthiness. This is affecting employment and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/2020 I sent notarized documentation to both Experian and XXXX  credit bureaus. XXXX account failed to respond within the 45 days. 
I had to resend notarized documentation again in XXXX to get the account reinvestigated. 
Now Im being told that if XXXX does not send the documentation stating that account is closed it will remain on my account. 
XXXX has provided me with the deed of foreclosure with a balance as of XXXX Im not responsible for this account and Experian and XXXX  keep allowing inaccurate information report on my file which is creating undue stress and credit worthiness. This is affecting employment and credit.

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 2021-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I have received a credit report in noticed unauthorized account on my credit report with Early warning and XXXX  XXXX XXXX account # XXXX please remove me out your check system I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have 2 credit cards with capital one & only one of the cards has been reporting on my credit report for almost a year. Both cards are still active and up to date but only one shows up. Ive called capital one several times and they say they are reporting both cards but I explained to them both are not reporting and they keep telling me to write them a letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Jon B. Sage, P.A. dba Sage Law Offices
State: FL

Complaint narrative:
I was assaulted which resulted in a medical bill of over $ XXXX. The Victims Compensation Beaureau has approved me, but the hospital won't accept it, so now they turned it over to a debt collector called Sage Law Offices. I've explained to them, and also explained that a state attorney is assisting me with the case against my attacker. " Sage Law Office '' keeps harassing me anyway, sending me a notice of Lien instead of speaking to my state attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I called Chase regarding a fraudulent charge on my account they immediately suspended my mobile and internet access. After my internet access was reinstated I noticed that charges were still pending and that I wanted them canceled they refused. I spoke to faith in the fraud department she hung up on me I called back and spoke to her Supervisor XXXX who directed me to another department i then spoke to XXXX who connected me to XXXX who also hung up on me. I would like to know why is a charge showing as pending and can not be reversed. Why is the FDIC not extended to customers of the bank. They take our money but yet when we have a problem they treat us like garbage and wont even try to assist us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Medical Data Systems, Inc.
State: IN

Complaint narrative:
On XX/XX/2021 I received notice that 2 collection accounts had been added to all of my credit reports. These accounts are from Medical Data Systems out of XXXX, FL. These accounts were medical bills that were covered by my insurance company that I've had for several years. I denied and disputed the accuracy of these accounts and they were still added to my credit reports.

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 2021-04-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The company XXXX  put on my credit report false information and caused my credit score to go down alot ... .They said I had a balance and it was a lie ... .I never used their credit card ever ... I even called them to close my account with them ... and they did but still didn't remove what was falsely stated about a balance I never had ... .I filed several disputes with Experian and they said that they will take care of it ... But they didnt do anything ... .The complaint I'm making is with XXXX  and Experian ... ..I would like this off my credit report asap ... .Thank you ... .This is XXXX XXXX ... .My phone number is XXXX XXXX .and my email is 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 2021-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I have moved out of XXXX  state to XXXX state at XX/XX/2020 then canceled my XXXX  auto insurance policy then immediately returned XXXX license plate back to XXXX and I got my new XXXX  auto policy at XX/XX/2020, So my vehicle been covered by another policy that belongs to XXXX  agent. 

Then they have sent me a mail that shows a threat statement of damage my credit if I didn't pay a false amount of {$160.00}, I've tried to contact them but their XXXX agent have disrespectfully put me on hold for long time twice then hang-up on me. 

Eventually They've damaged My Credit-Score and sold my Info ( SSN, NAME, DOB & ADDRESS ) to a Credit-Collection for a statement XX/XX/2020 while my vehicle is covered by different auto insurance company since I've moved out of XXXX and registered my vehicle to XXXX at the beginning of XX/XX/2020. 

So they've damaged my credit for {$160.00} an amount that I don't owe to them, the sad part is how easy for auto Insurance companies in USA to destroy someone's credit, sell their customer 's nonpublic information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Ive been disputing this account I never had a XXXX  bill during the time they are stating and they are reporting this collection to my credit which is damaging 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 explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I disputed this account for months they keep reporting it to my credit report Kia finance on XX/XX/2012 balance 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 2021-04-03 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: I.C. System, Inc.
State: TN

Complaint narrative:
I am no longer responsible for this debt. This was already sold and I don't owe this debt anymore. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. This is clearly a violation of the FCRA section 602 ( a XXXX & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report 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 explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was extremely disappointed this morning when I checked my credit report and I saw that I have a XXXX  showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. According to 15 USC 1681 { a ) ( 4 ) it states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I am having an issue with NCB XXXX XXXX. They say I owe {$3700.00} From a company called Rise XXXX of California. I don't know what this is, I have never had credit or a loan with this company. 
I have been disputing this with the 3 credit agencies for a couple of years now, I keep getting the answer " Verified as accurate ''. Who verifies this information? It is NOT accurate, I keep saying this but nothing is done. They believe the company over me? Really? I mailed them a letter of validation on XX/XX/2021. I have asked for proof, I get a letter that says " We are unable to substantiate the allegations of this dispute '' I called once, I spoke to a very RUDE lady, she wouldn't tell me anything, she asked me for a SSN, I told her I would not give it to her, she should have it on file. I asked her to give me a different option to verify myself, she wouldn't. I asked her to mail me proof, she said I would get court papers in the mail, I told her FINE. I have never seen anything. I dont know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: IL

Complaint narrative:
Reported Collection Company : PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXX, TX XXXX Amount : {$39.00} On XX/XX/2021, the above collection company reported a debt that do not belong to me. This has negatively impacted my credit records, and lowered my XXXX XXXX. On XX/XX/2021, I mailed the collection company a letter to verify the debt, and they did not respond. According to the provisions of the Fair Credit Reporting Act 609, If accurate derogatory information in the consumer 's file can not be verified, the reporting agency is required to remove it. This law requires every company that reports credit events -- not just the original creditor companies -- to be able to produce verifiable proof of the negative event. This is related to the right of the consumer to challenge the accuracy of negative events reported on them. The intent of the government is to protect consumers from having inaccurate information used against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: NY

Complaint narrative:
I am not the mortgagee or owner for account # XXXX that experian is reporting on my credit. I send FTC report, police report, my id, and letters to remove the account that belongs to someone else from my credit file but they did not delete the account. I also requested for any and all contract and evidence the bank supply to them to give them reasons to not delete this account from my credit 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 explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days I have not received a response. I feel like they are taking advantage of me and are ignoring my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days 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 this has caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Smith, Cohen & Rosenberg LLC
State: FL

Complaint narrative:
This company try to collect {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I dont know nothing about this place/ company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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:
I sent a letter on XX/XX/2021 about my credit report and I have not heard anything back. I don't understand how the bureaus can break law and do anything they want. It has been over 40 days and still have no response from them. They have 30 days to respond. This outrageous. Doesn't make any sense.

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