vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: SC

Complaint narrative:
Procollect INC, contacted me about money owed for breaking a lease. I payed them the total amount but they keep the collection on my credit file to look like a loan paid in full. It was not a loan and should have been removed when I paid in full. I filled a dispute with XXXX and they said only Procollect could remove it from my Credit report. Im a XXXX XXXX veteran and on a limited income. However, I paid the debt now Procollect should remove 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 2020-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2020, I submitted an online application to Citibank to open a savings account. I received a letter rejecting my application and I contacted the bank. It was clear from our conversation that my previous identity theft duly reported to all three credit agencies to the federal trade commission etc. was responsible. The banker I spoke with on XX/XX/2020 assured me that if I removed the freeze from my account at XXXX there was a high probability the account could be opened despite the fraud alert that remained with all three credit agencies. I therefore lifted the freeze from XXXX From the date of our conversation on XX/XX/2020 through XX/XX/2020. I received a letter today on XX/XX/2020 notifying me that Citibank could not open the account based on the information they had received from XXXX. Records of my credit security at XXXX XXXX  confirm that Citibank contacted XXXX on XX/XX/XXXX and XX/XX/2020. Thus my application was rejected solely on the basis that I had a fraud alert entered on my report. The freeze has been lifted from XX/XX/XXXX through XX/XX/2020. I think it unconscionable that the mere presence of a fraud alert should preclude opening an account when all the appropriate identifying information has been submitted. I called Citibank today on XX/XX/2020 and they informed me that I should put in a third application which is very time-consuming process online and clearly would go nowhere since citibank new account management has decided that the account would not be opened. This is a sort of low grade fraudulent activity that characterizes criminal institutions like Citibank, XXXX XXXX etc. its only a matter of time till the weight of these complaints eventually catches up with the institution. I doubt anything will happen on the basis of one report like this but a report here a report there pretty soon youve got a few hundred reports And heads may roll. Thank you for your consideration.

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 2020-07-06 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-07-06 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I applied and was approved for the eidl through sba. As I am a very low earning set operating business I have never established a business account because I could not afford most of the minimum balance requirements or credit requirements. So my only checking account is a personal account. I had my loan funds put into the account at TCF bank ( XX/XX/2020 ) and my account has been placed under review, my loan was withdrawn, and my account is now negative ( XX/XX/2020 ). I was given a mere {$9000.00} from sba and now I am {$4000.00} in debt due to TCF doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX XXXX {$4000.00} DEPEDXXXX XXXX {$2300.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX XXXX {$1400.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: CA

Complaint narrative:
The bank of XXXX XXXX credit card company and experian are playing games with my report XXXX send a letter attched saying that the dlenquency for XX/XX/20 was removed by company and experian has been notified experian says when we dispute they say delinquency is valid Think how consumers time is being wasted these companies have no sense of accountability and they should be made to apologise and flagged in the system

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 2020-07-06 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: SC

Complaint narrative:
I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :

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 2020-07-06 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: Professional Services of NY, Ltd.
State: NY

Complaint narrative:
I've received bills from what now is Professional Services of # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX. This is a fraudulent company that overcharges and my insurance doesn't pay the exorbitant amount which is out and out deceptive. I have records of payment made and it was {$1400.00} for this and now {$2100.00}. I am arguing my insurance has paid and this is not owed. The company has numerous addresses and I don't believe it's legitimate.

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 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
On XX/XX/20 I checked my credit and found Collection Professionals marked me as having outstanding bills due. These accounts was never a collections account and vendor extended payment plan. All checks went to vendor and never to collections agency because it was NOT A COLLECTION, Not even the correct account number or date on one. From the first dispute they removed 4 of the accounts and left 3 which were not collection accounts. The most recent demand for money from them was of XX/XX/20 showing 5 different accounts that are not even open because all accounts have been paid in full and closed with vendor, some over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I contacted LVNV FUNDING LLC regarding an account from a XXXX XXXX account that's the original creditor to resolve. They advised me that they no longer have my loan it was sent to other agency. I asked why are they the company still reporting to my credit if account no longer in their office couldn't get an answer. I ask that if they no longer have my account please remove them from reporting to my credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
Back in XX/XX/2019, I was desperate for money so I took out a loan with Big Picture Loans for {$2000.00}. This is through a XXXX XXXX XXXX that charges extremely high-interest fees. Like over 346 % interest. I have made 13 payments of {$280.00} making a total of {$3700.00} so far. If payments were made to fulfill the loan it would total over {$7400.00} for a {$2000.00} Loan. This is crazy and I have found myself in a debt trap with no way out. These payments are deducted from my checking account every 2 weeks as I'm paid bi-weekly. I have already repaid them well over the principal amount borrowed and plan to block these automatic payments through my bank as I can't afford to continue being ripped off by this company. It was after desperation that I took this loan out in the first place and have since found out that these type loans are illegal in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX XXXX {$4000.00} DEPEDXXXX XXXX {$2300.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX XXXX {$1400.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$910.00}

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 2020-07-06 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX  XXXX {$4000.00} DEPEDXXXX  XXXX {$2300.00} DEPTEDXXXX  XXXX {$7300.00} DEPTEDXXXX  XXXX {$1400.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$910.00}

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 2020-07-06 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: CA

Complaint narrative:
Experian has refused to block information from my credit report, even after I submitted the appropriate identity theft information. I submitted the information twice however they are still violating federal law.

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 2020-07-06 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2020-07-06 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: AZ

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: IL

Complaint narrative:
School closed down for fraud all of my accreditations were snatched from me so why should I have to pay back a loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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:
FTC Violations please remove the accounts below : XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX. XXXX  XXXX Inquires ftc XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2020 we were scammed into transferring {$500.00} from our US Bank savings account to another account via XXXX. Upon realizing we were scammed we called US Bank the next day on XX/XX/2020 to let them know of the scam and reported the case to their fraud investigation team. The person on the phone said they would start an investigation case and would issue a credit of {$500.00} to our account if the case took more than two weeks. The case did take more than two weeks to resolve but no credit was ever issued to our account. We called them again multiple times and were given different answers by the Bank. One time we called and they claimed our case was resolved and that we could not get our {$500.00} back because we transferred the money through XXXX and XXXX does not have a fraud protection program unless we do a police report to catch the scammer and make them pay us back our money. After being told this we called US Bank again to try and get information on the scammers Bank, but then they told us that our case was still pending and not yet closed and contradicted the previous call. We are very confused with how our case was being handled. They then told us that XXXX scams were very common because scammers know it is almost impossible to get your money back if you are scammed through XXXX. We saw that XXXX is officially backed by US Bank and that gave us a sense of comfort that the transaction would be protected by our Bank, when in reality it is not. If the bank knew that XXXX scams were very common and that XXXX does not do much to help secure transactions from fraud then why promote XXXX without a disclaimer? We feel US Bank failed to protect us or warn / notify us of the XXXX service that they promote and back, and were scammed out of {$500.00}.

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 2020-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tesla, Inc.
State: CO

Complaint narrative:
5yrs ago I got Solar Panels and the sales person completely misrepresented herself-that has been dealt with HOWEVER, I have been sending in monthly payment on both of my systems ever since and NOTHING is being applied toward the principle and they apply everything to the interest. How can the get away with not applying anything toward to principle and everything to interest. AND I was suppose to have a sent payment to pay monthly to pay this off, and I don't have that either. My monthly payments bounce all over the place. How can Tesla just put a different payment every month with NOTHING going toward the principle. They are worse than a loan shark. Please investigate their lending practices.

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