vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Kohl 's refuses to communicate the complete 16 digit number of their card as it appears on the three credit bureaus. Their cards only show a partial number made of only 12 digits. Kohl 's support responded me that I could get it in any store with an ID ( see attachement ). The XXXX XXXX store ( XXXX ) refused to do so when I appeared today at the customer help desk. We call their internal help line and Kohl 's says they do not provide it neither by mail, email or over the phone and the stores refuse to proceed although it was promised in their response. So there is no way to get the real credit card number and be able to consolidate effectively with our credit report with a fully documented Kohl 's account. NB : they even use 18 digit where the two last are for internal purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: GreenSky, LLC
State: FL

Complaint narrative:
I recently opened an account with XXXX. Shortly after opening the account, I paid the balance off in full. I recently pulled my credit report and discovered XXXX is still reporting the account to the credit bureaus with almost the full balance. I filed a dispute through the credit bureaus advising them and XXXX that the account was paid in full. XXXX responded by denying that the account was paid in full. Because of XXXX 's response, the credit bureaus refuse to update or change my credit report. This is causing damage to my credit because it inaccurately reflects a debt owed during a time that I am trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: Consolidated Information Services Solutions, LLC
State: TX

Complaint narrative:
I have contacted both XXXX  XXXX  COMPANY AND XXXX ( CREDIT BUREAU ) about XXXX paid off auto loans not reporting on my credit report. The two accounts are reporting paid off on XXXX XXXX XXXX but NOT XXXX. XXXX told me that they sent my loan information to XXXX but yet the account never posted to my credit it has been A YEAR OF CONTACTING BOTH COMPANIES BUT NO RESULTS! PLEASE HELP ME GET MY PAID OFF LOANS REPORTED TO MY XXXX CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX erronously opened an escrow account w/o my authorization. There was a gap in Homeowners Insurance that was corrected and paid in full. A new in force policy was provided to XXXX timley. My loan # is : XXXX ; the property address in : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is the second complaint I have filed. I filed complaint # XXXX on XXXX XXXX XXXX XXXX. I have heard nothing from XXXX or the CFPB re my prior complaint.,

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 2021-09-11 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: AL

Complaint narrative:
on XX/XX/2021, i sent XXXX AND EQUIFAX letters regarding the inaccurate and incomplete items they are reporting om my credit report.i sent it USPS certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX, and i have not received anything thus far concerning this matter from neither of the CRA 's. they have also violated 15 USC 1692 F ( 1 ) STATUS 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
This debt was paid in full. The debt was collected from a different collection agency, XXXX XXXX XXXX. The dates of payment were XXXX XXXX XXXX  amount of {$1600.00} and XXXX XXXX XXXX of {$2200.00}. The debt was settled. I spoke with both billing departments at XXXX XXXX and I was told the I only had one bill which was paid in full. No other bills exist. This additional debt collection is fraud. It is inaccurate and it has had a negative impact on my credit report. I have not received any letters or phone calls in regards to the debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted both XXXX XXXX XXXX AND EXPERIAN ( CREDIT BUREAU ) about two paid off auto loans not reporting on my credit report. The two accounts are reporting paid off on XXXX & XXXX but NOT EXPERIAN. XXXX told me that they sent my loan information to EXPERIAN but yet the account never posted to my credit it has been A YEAR OF CONTACTING BOTH COMPANIES BUT NO RESULTS! PLEASE HELP ME GET MY PAID OFF LOANS REPORTED TO MY EXPERIAN CREDIT 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 2021-09-11 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 Placement Services, LLC
State: WI

Complaint narrative:
Hello, A list of medical bills appeared on my credit report that I am requesting to be removed, but there has been no response. 
The list amounts to {$9200.00} I sent two debt validation letters. One on XX/XX/2021 and the second final attempt XX/XX/2021. 
I did not receive a response to either, but they continued to call me daily through out those two months. 
Now I am moving to file a CFPB complaint for failure to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: AL

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please remove all inquiries and collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Please remove all inquiries and collections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Please remove all inquiries and collections

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 2021-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
1. I opened CITI priority Checking and Saving accounts online in XXXX this year and get approved immediately so that I transferred each {$100.00} into these two accounts ( {$200.00} usd in total ). 

2. Just when I received the physical bank cards and associated documents, I also received a letter noted that my account was closed somehow, but the bank will issue me a check for the balance to me. 

3. However, in the past 6 months, I have contacted citi custom service several times over the phone and even visited the Citi bank branch once to ask the status or progress of the check for my balance of {$200.00} USD. The citibank have not provided me a certain result yet.

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 2021-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
debt is not mine. debt is a result of identity theft and should be removed from my account.

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 2021-09-11 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX and was finally discharged by the court in XX/XX/XXXX. 

All of the accounts that were affected by this bankruptcy reflects the dates that I have previously provided, except for the Hawaii USA account that is reported to Experian. On the Experian report, it shows that I had filed for bankruptcy on XX/XX/XXXX instead of XX/XX/XXXX and also shows a charge-off on the account on XXXX of XXXX. Both of which is totally incorrect and should never have been marked past the date my bankruptcy was initially filed for. 

I reached out to Experian on XX/XX/XXXX and the person I spoke to said that they were not able to help me because the information reported to them by Hawaii USA was confirmed and that any incorrect information should be handled through them. 

On XX/XX/XXXX, I reached out to XXXX from HawaiiUSA 's dispute department. She got back to me on XX/XX/XXXX after a thorough investigation and said that they report throught the E Osker system and when they input the information, it does not give them an option to select the dates and that is supposed to be handled through Experian. There was XXXX could do because they are limited through the E Osker system. She and I confirmed that all other credit bureaus are reporting correct information except for Experian.

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 2021-09-11 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: NY

Complaint narrative:
XXXX XXXXXXXX XX/XX/XXXX XXXX Dear XXXXXXXX XXXX  XXXX, Why we're writing you We have completed our investigation regarding your claim this account was fraudulently opened using personal information. Based on our review, we have determined that you are responsible for the account and charges in question. 
Here 's what you need to know Our decision was based, in part, on the following : Account Ending in XXXX, XXXX Account # is XXXX Date opened ; XX/XX/XXXX Charge off amount of {$1800.00} Dear Sir/Madam, Yesterday I spoke with officer XXXX, her ID # is XXXX. She has found the following that : 1.This account is not mine. 2. This account opened before the SS # issued. 3. I never had this credit. 4.SS # not match with this credit account so .unable to settled the payment I have attached a copy of the SS card, with the card 's issued date showing XX/XX/XXXX. The card associated with this account was opened XX/XX/XXXX. I have also attached a copy of my driver license and a copy of the passport page for her request.Please remove this account from my credit file. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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:
XXXX XXXXXXXX XX/XX/XXXX XXXX Dear XXXX XXXX  XXXX, Why we're writing you We have completed our investigation regarding your claim this account was fraudulently opened using personal information. Based on our review, we have determined that you are responsible for the account and charges in question. 
Here 's what you need to know Our decision was based, in part, on the following : Account Ending in XXXX, XXXX Account # is XXXX Date opened ; XX/XX/XXXX Charge off amount of {$1800.00} Dear Sir/Madam, Yesterday I spoke with officer XXXX, her ID # is XXXX. She has found the following that : 1.This account is not mine. 2. This account opened before the SS # issued. 3. I never had this credit. 4.SS # not match with this credit account so .unable to settled the payment I have attached a copy of the SS card, with the card 's issued date showing XX/XX/XXXX. The card associated with this account was opened XX/XX/XXXX. I have also attached a copy of my driver license and a copy of the passport page for her request.Please remove this account from my credit file. Thank you,

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 2021-09-11 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: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX, we purchased a chicken coop online for {$1000.00} paid with our Citi credit card. What we received was a damaged piece of junk that continued to fall apart after assembly, deceptively marketed with fake reviews and unable to be returned. After a month of failing to convince the vendor to honor their warranty, we disputed the charge with Citi on XX/XX/XXXX for Goods / services not as expected. 

Citi assigned the dispute case XXXX, and on XX/XX/XXXX they closed their investigation for the first time and reversed the conditional credit, claiming we were responsible for the charge. Their inexplicable reason for this was a response from the vendor of proof of delivery a fact never in contention. It also set the pattern for continued interactions with Citi. 

We provided additional information as requested by Citi time and time again. These responses went to them on XX/XX/XXXX ( closed XX/XX/XXXX ), XX/XX/XXXX ( closed XX/XX/XXXX ), and XX/XX/XXXX. First, they wanted proof of the issues. Then they wanted us to return the coop, even when we had already explained why we couldnt. Their last response was perhaps the most egregious, they ignored all content of the message and simply said they appreciate your feedback before closing the dispute again. 

We have been customers of Citi since XXXX, and despite all the evidence and messages we have hit a wall. Citi has refused to address the reason for the dispute, has refused to answer our questions about their investigation, has refused to reopen or review the dispute any further, and is instead is standing by a deceptive scammer.

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 2021-09-11 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: GA

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Last year at the start of the Pandemic we were placed on shelter in my State. That was in XX/XX/2020. I immediately called my credit card companies and submitted financial hardship. Everyone except Macys was happy to extend my payments out by a few months except. I was told by Macys that they had no such forbearance in place. This caused me to be late 30 days and reported in XXXX as a late payment. I have never been late in my account. I have already written letters to remove my late payment since it was covid related and I was denied.

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 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXXXXXX XX/XX/XXXX XXXX Dear XXXXXXXX XXXX XXXXXXXX, Why we're writing you We have completed our investigation regarding your claim this account was fraudulently opened using personal information. Based on our review, we have determined that you are responsible for the account and charges in question. 
Here 's what you need to know Our decision was based, in part, on the following : Account Ending in XXXX, XXXX Account # is XXXX Date opened ; XX/XX/XXXX Charge off amount of {$1800.00} Dear Sir/Madam, Yesterday I spoke with officer XXXX, her ID # is XXXX. She has found the following that : 1.This account is not mine. 2. This account opened before the SS # issued. 3. I never had this credit. 4.SS # not match with this credit account so .unable to settled the payment I have attached a copy of the SS card, with the card 's issued date showing XX/XX/XXXX. The card associated with this account was opened XX/XX/XXXX. I have also attached a copy of my driver license and a copy of the passport page for her request.Please remove this account from my credit file. Thank you,

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 2021-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: FL

Complaint narrative:
on XX/XX/2021 i sent XXXX dollars to my sister in XXXX with world remit money transfer after 2 or 3 days they texted me saying that my recipient got the money but the next day my sister called me and said when she went to the bank to pick up the money there was no money so i called the customer service twice to find out what happened to my money and they keep telling me they are still waiting communication from a local partner that they will get back to me as soon as they find out but im still waiting for them to get back to me, in the meantime my money is lost. i just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The reporting agencies have over ten department of education files on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: PA

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation