vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
According to XXXX, I have a derogatory collection account of {$290.00} belonging to RS Clark and Associates with the original creditor being XXXX XXXX XXXX. The account was opened on XX/XX/XXXX.

As of XX/XX/XXXX, I have paid my debt to XXXX XXXX XXXX, but on XX/XX/XXXX, RS Clark and Associates was still reporting a derogatory, unpaid collection account. I disputed the account with XXXX and on XX/XX/XXXX, they reported back that the account remains. 

Additionally, I originally had no knowledge about this collection account. It was not until I opened my XXXX account on XX/XX/XXXX that I found out about this debt. I was not able to pay it off after finding out about it since RS Clark & Associates failed to send me any bills in the mail over the course of last two years. Without XXXX, I would have never known about this debt. Because of that, I went to the original creditor 's office and paid there. This should not be a derogatory account in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
Chexsystems is reporting outstanding debts to XXXX and XXXX however both were paid. I need to be removed from chexsystems.

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 2021-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Bank XXXX removed as a result of dispute multiple times keeps reappearing. 

Contacted creditor requesting information they advised they submitted removal several times and no such account is showing on file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Once again, I'm notified that I'm entitled to my credit file, and once again ALL THREE bureaus found an arbitrary means of denying my request : Transunion : Sorry, you have an open dispute, so we can't provide your report XXXX : Sorry, we can't verify your identity, so we can't provide your report. 
XXXX : Sorry, we can't give you your report, but we don't know why. 

This is the third time that I'm making this complaint. I'm tired of 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 non-monetary relief
Consumer complaint received 2021-12-18 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: NY

Complaint narrative:
This account was settled in full on XX/XX/2021 and I received my discontinuance letter on XX/XX/2021 via email. I have reached out to both the law office and the credit unions to have this account removed from my credit report. They instead reported the account minus the amount I paid but in the letter it clearly states that they can not collect any further. This law office removed my last account when we went to court and I want the same thing done here.

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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
On XXXX I asked cashapp to remove any phone number that wasnt my own from my account. In the process the removed and blocked my number also so I am not able to gain access to my account with literally all of my money in it. My car payment is late now and Im fearing my kids XXXX will be in jeopardy. No one will resolve the situation, I have verified my identity and verified that the account is mine but still continue to be told I cant gain access. They had me open a new account and stated they would transfer my funds to my new account but have yet to do so. I requested my account be closed all together and just mail me my remaining funds, or send my direct deposit and other sources of incomes back to my employer. No one will help me and no one will tell me what process I need to go through to get this resolved. It has been ongoing for almost a week now and is so devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: CA

Complaint narrative:
XX/XX/2020 no payment due covered under Covid plan no payment due for multiple cycles then reduce to $ 20 monthly thereafter XXXX and XXXX corrected several times now and its back again which cost me another XXXX for no reason XXXX no clue why they are still being or what did as I only ever used the account 5 times and returned 3 of the 5 their continued deceptive billing practice is causing significant issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian furnished information on my credit report without Permissible Purposed this is a direct violation of federal law Pursuant to 15 USC XXXX681b Permissible Purpose of consumer 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 2021-12-18 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: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need 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 Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: NE

Complaint narrative:
To Whom It May Concern : When applying for this loan, I agreed to also open a personal checking with the institution in exchange for a lower monthly payment/rate on the loan. However, I have made multiple attempts to reach out with questions related to my loan and the process of switching my checking account, and they are impossible to get ahold of. Ive submitted inquiries through their automated system that never get answered ( but I do receive request received emails so I know they were properly submitted, as well as later feedback requested emails even though my questions are never answered ). I have attempted to call them and the phone system is a ) EXTREMELY poor audio quality and almost unintelligible ; and b ) just a never-ending hold system, with no information on where you are in the queue, or ability to leave your number and receive a call back later. I submitted an email complaint about these issues because I do not want to switch my checking over to an institution I cant get a timely response from should I run into any issues with my personal banking. I was told by a representative named XXXX that the company would not help me with my request in writing and I would have to call their customer support for a response. To me this is a red flag because I always like to have record of correspondence regarding important matters and complaints, and I think a financial institution would want the same. Also, there is the aforementioned issue of the phone system not being a practical or viable alternative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18 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: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX. Received text from Citibank alerting me of fraudulent activity on my checking account. I logged in and saw unauthorized funds were being transferred out of savings and checking accounts. Within 20 minutes my cell phone stopped working. It had been " taken over '' and my number was being used with a different SIM card ( according to XXXX XXXX ) I went to the bank immediately and sat with an associate as he initiated a fraud claim. 
Funds from checking, savings, debit card, " Simplicity '' card and line of credit were accessed by wire transfers. Approx {$42000.00} in total The complaint is this : At NO TIME has the wire fraud department contacted me. 
Trying to contact Citibank regarding this matter has been tortuous. ( Hours spent on hold while being transferred to wrong departments in call centers. ) The bank manager at my local bank has been helpful and used the internal system. Yesterday XX/XX/17, she kindly emailed an update as follows. " The fraud dept. is still waiting to hear from the recipients of the wire ''. 
I was speechless but found words to express my disgust! 
She patiently sent another phone # for the wire fraud dept.for me to try. 
I was able to speak ( XX/XX/17 ) to an " escalator '' and asked if I could speak to who ever was doing the " investigation ''. It was explained that she could only make a request for them to call me ...... 
This is the short version. There has been an incredulous lack of communication, help and action on the part of the bank. It is a broken system and I'm in despair every day. 
I am XXXX with a very small income. This has cleaned out all liquid 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 explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got an text from a card that is getting ship to my address. A card I never heard of call Neiman Marcus. Also I have another card that I didnt applied to call XXXX XXXX XXXX XXXX which I call XXXX itself. Account are close and waiting for the credit Bureau to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need 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 Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: AES/PHEAA
State: MI

Complaint narrative:
These student accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied on me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing who made these charges on my credit file! So how did your properly verify this, how is these accounts mine? if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

All accounts are provided in my documents please open my documents and throughly check all accounts do not respond to me computer generated. 

XXXX XX/XX/12 Balance? 

FTC Report was submitted and filed with accounts included

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: NY

Complaint narrative:
This account was settled in full on XX/XX/2021 and I received my discontinuance letter on XX/XX/2021 via email. I have reached out to both the law office and the credit unions to have this account removed from my credit report. They instead reported the account minus the amount I paid but in the letter it clearly states that they can not collect any further. This law office removed my last account when we went to court and I want the same thing done here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
This account was settled in full on XX/XX/2021 and I received my discontinuance letter on XX/XX/2021 via email. I have reached out to both the law office and the credit unions to have this account removed from my credit report. They instead reported the account minus the amount I paid but in the letter it clearly states that they can not collect any further. This law office removed my last account when we went to court and I want the same thing done here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I noticed many fraudulent charges on my Barclays credit card from XXXX of this year. Initially, when I contacted them, I was able to get the card closed and a new one allegedly sent out. I was assured that my card indeed had fraudulent charges, and that I was not responsible for the charges. I was given a new card number. However, the issue arose when Barclays sent me a letter saying I had to submit IRS form 4506-T. I submitted the form as requested. This was about a few weeks ago. However, since then, I still dont have a new credit card, my online account is still locked, and the credit card company has never sent me any updates regarding if the IRS form was accepted, denied, or anything in between. Whats worse is, I have a credit card statement due on the new card number that Im pretty sure was still used fraudulently. Because I never got the new card, never activated it, and its radio silence on the status of my account and my 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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi, On XX/XX/2021 we opened an Interest Checking account with Citibank and deposit {$53000.00} to the account expecting we would receive {$700.00}. As of today, after the account was opened for more 6 months, we haven't received the promised {$700.00} yet. We called the company 4 times and were on hold for no less than 15 minutes each time but we still have not received a reasonable answer. On our first call, we received the confirmation that the amount would be credited to the account on XX/XX/2021. 
On the 2nd call, XX/XX/2021, the customer service representative promised the issue would be resolved within 5 business days. We received a letter saying the case was under review as the result. 
On the XXXX XXXX, the representative let the call go in silence for a long time, so we had to hang up without the answer. We received a letter informing us that the time frame for the promotion was from XX/XX/2021 to XX/XX/2021 and the account wasn't opened during the period. The fact is the account was opened on XX/XX/2021 and the {$53000.00} deposit was on the account on XX/XX/2021. 
On the XXXX call, XX/XX/2021, the representative XXXX told us that the promotion condition was opening a checking and a saving account at the same time which is not mentioned in the promotion post. 
Best regards,

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 2021-12-18 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: TX

Complaint narrative:
I have asked Experian and have mailed my personal information in regards to my information. My name is incorrect. Has several different names on my credit report. I have called and mailed items and still it is not corrected.

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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/17 I found out my BMO Harris  checking had been charged double for what was a scam on my debit card. I purchased a XXXX for a spa in XXXX after it was secured paid for and booked an appointment the location changed to XXXX XXXX. The XXXX then showed the XXXX location no longer taking appointments. I explained to the merchant it was misleading she told me Id be refunded for trying twice {$55.00}. She then never issued a credit and proceeded to charge me twice on the XXXX and the XXXX. BMo did nothing for me to prevent the charge from going thru even after thoroughly explaining the scam or error. I will have to dispute this {$110.00} now and may not receive the money back. Merchant is no longer available for me to talk to. BMO closed at noon and pushed me off the phone no solution given just let it charge me.

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