vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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:
Company was asked to provide written consent from me giving permission to publish items on my report. Company has yet to do so even after receiving my request for them to produce proof of permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
Due to the pandemic issue, On or about XXXX and XX/XX/XXXX, I have some problem making payment on my Discover Credit card. I called the bank that I want to consolidate my debts. I was making payment through a debt consolidation company. I Informed the bank and gave the phone number to them to make sure that I still making the minimum payment through a debt consolidation company. I had making consistent monthly payment through the debt consolidation company in XXXX and XX/XX/XXXX. However, in the month of XXXX, I found out that the debt consolidation company failed to pay my credit card. I then immediately called the Discover Bank to resume and make up all of my payments. My monthly minimum payment is {$80.00} per month. But I made double payment to make my account current. My payments are as follows : 1. XX/XX/XXXX, Paid {$250.00} 2. XX/XX/XXXX, Paid {$250.00} 3. XX/XX/XXXX, paid {$150.00} XXXX. XX/XX/XXXX, paid {$200.00} 5. XX/XX/XXXX, paid {$150.00} 6. XX/XX/XXXX, paid {$150.00} On XX/XX/XXXX, I have received an email from the Discover Bank stating that they couldn't located my account. When I called to talk to the Discover Bank, ( With Mr. XXXX ) he simply informed me that my account was restricted and being sent to a debt collection company by the name Wicker and Associate. All my payments since XX/XX/XXXX to XX/XX/XXXX were cashed by the Discover Bank. These amount of money were not credited to my account at all. When I checked with my bank XXXX XXXX XXXX XXXX, all checked were cashed by the Discover Bank. I requested for a refund and they refused to refund the money back to me. Instead, Discover Bank had filed a litigation claimed in court against me. This is completely an unfair practices. I have consistently paid all my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CITIBANK, N.A.
State: GA

Complaint narrative:
It looks as though a Citi Bank card was taken out in my name and never paid for. Account was opened XX/XX/2019 and closed on XX/XX/2019. I have no knowledge of this account and would like it removed from my credit report. Please help me. I am a newly XXXX  mother of XXXX  kids and it is hindering me from doing a lot for my family.

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 2021-08-27 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: MS

Complaint narrative:
XXXX  and Transunion states that XXXX XXXX has provided them a copy of my credit file that states that I have a chapter XXXX bankruptcy that was discharged with the reference # XXXX. I spoke with a representative at XXXX XXXX who stated that this information was not sent to XXXX  or transunion and that this record is not on my XXXX XXXX file. Someone is furnishing incorrect information that belongs to my father XXXX XXXX XXXX. I have been trying to get the situation cleared up with XXXX  and Transunion for 2 years and they have failed to investigate this issue and remove the record even with proof from the bankruptcy court in question and a copy of my XXXX XXXX report from 2019. This is my second or third complaint filed on these companies and each time they close the complaint with promises of investigating it then closed the dispute out without fixing anything. In fact they rotate between saying that the court verified this information then XXXX XXXX verified it. I've contacted the court and they continue to say that they do not report records so that's a lie.. I've also contacted XXXX XXXX who say that they do not report this information.. which is another lie.. Stop ruining people lives and understand that it is you'll civil duty to remove this record because it does not meet the FCRA guidelines.. Warning false and misleading reporting is a violation that I can seek compensation for!

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 2021-08-27 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: LEXISNEXIS
State: MS

Complaint narrative:
XXXX  and XXXX  states that Lexis Nexis has provided them a copy of my credit file that states that I have a chapter XXXX bankruptcy that was discharged with the reference # XXXX. I spoke with a representative at lexis nexis who stated that this information was not sent to XXXX  or XXXX  and that this record is not on my lexis nexis file. Someone is furnishing incorrect information that belongs to my father XXXX XXXX XXXX. I have been trying to get the situation cleared up with XXXX  and XXXX  for 2 years and they have failed to investigate this issue and remove the record even with proof from the bankruptcy court in question and a copy of my lexis nexis report from 2019. This is my second or third complaint filed on these companies and each time they close the complaint with promises of investigating it then closed the dispute out without fixing anything. In fact they rotate between saying that the court verified this information then lexis nexis verified it. I've contacted the court and they continue to say that they do not report records so that's a lie.. I've also contacted lexis nexis who say that they do not report this information.. which is another lie.. Stop ruining people lives and understand that it is you'll civil duty to remove this record because it does not meet the FCRA guidelines.. Warning false and misleading reporting is a violation that I can seek compensation for!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
National Credit Systems and XXXX XXXX XXXX It is against the law in Arizona to not do a final walk through with a tenant. 

Remove this false non legitimate information from my credit report. 

Both companies are committing a crime by taking action and it needs to be resolved. I have not been worked with by NCS they have NCS REP XXXX ONLY acknowledged the fact that what I am saying is true. XXXX XXXX XXXX failed to follow the law and preform the final walk through. XXXX at XXXX XXXX says NCS has the authorization to remove this not XXXX XXXX. However, NCS states it is ONLY up to XXXX XXXX XXXX to approve the removal of the false and defamatory information being reported. This is non legitimate debt not supported by Arizona state law because no walk through was done by the XXXX XXXX XXXX representative XXXX as scheduled for XXXX on XX/XX/XXXX he no showed. I waited until after XXXX. 

Please resolve this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NJ

Complaint narrative:
I am a victim of identity theft. US Dept of ED, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has Fraudulent accounts on my Credit Profile that needs to be removed 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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
ON XX/XX/2021, I received a notification from my credit monitoring service the Citibank inserted an negative account in the amount of {$4200.00}, on my XXXX  credit report without any prior notification. 

I immediately reached out to Citibank for assistance and explanation who hung up the telephone several times and then told me to writing a letter. 

I do not owe Citibank, my account is and has always in good standing never late, never missed any payments. 

I believe this is retaliation based on my race, color, sex and for numerous complaints file with CFPB Citibank intentionally set-out to lower the credit score of XXXX Americans This is a clear violation for FCRA, I want this act investigated and Citibank held accountable for the aggress act.

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 2021-08-27 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: CITIBANK, N.A.
State: GA

Complaint narrative:
It looks as though a Citi Bank card was taken out in my name and never paid for. Account was opened XX/XX/2019 and closed on XX/XX/2019. I have no knowledge of this account and would like it removed from my credit report. Please help me. I am a newly single mother of XXXX kids and it is hindering me from doing a lot for my family.

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 2021-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I have been involved in a Consumer Credit Transaction for 2 years now with Duvera Billing Service. Duvera does require you to give my social security number to acquire services, my social security number/card is Defined as my credit Card Pursuant to ( 15 USC 1602 ( L ) - Means any card, Plate, Coupon Book or other Credit device existing for the purpose of obtaining money, Property, Labor, or services on credit. ) Whenever a Consumer is involved in a Consumer credit Transaction a Finance charge is involved and is the sum of all charges Pursuant to 15 USC 1605. Not only is the Finance Charge the sum of all Charges but does not include charges of a type payable in comparable cash transactions. Duvera billing Service has taken multiple cash payments. 

On XX/XX/2019 Duvera Billing Service took a Down payment on a Consumer Credit Transaction for the Financing of a auto installment in Exhibit B which is a Violation of 15 USC 1662.

As a Federally Protected Consumer Duvera Billing Service has Violated my Rights Pursuant to 15 USC 1611 and is Criminally Liable for willful and knowing for not disclosing any finance charge involved with the account and taking cash payments in a Consumer Credit Transaction. 
Duvera Billing Service has Failed to follow the Provisions on statements that are involved under Open End Consumer Credit plan ( 15 USC 1637 ) and is Civilly Liable Pursuant to 15 USC 1640 Pursuant to 15 USC 1692K Duvera Billing Service has Violated Multiple debt Collection Practices Violating my rights to Privacy and Has Closed my account for Failure of Payment in cash Transaction. When asking for cash Transaction in a consumer Credit Transaction is a Criminal Charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: PA

Complaint narrative:
Hello I've been a victim of Identity theft for years and I am devastated. I have lupus so it force me to stop working early and try to do everything to keep living. As far keeping physically heath in order, eating better and try to get plenty of rest. So I completely took my focus on my credit report. Now I'm getting a little better but still suffering from XXXX  I am focusing on trying to by a Home for me and my grand kids. I look at my credit was very upset I even cried to see so many fraudulent activities on my report. I contacted the all the creditors about the issue. Happily told me all accounts on my report are closed but I had to make FTC report and contact the bureaus so I am here. Praying that someone can help me remove all these false items on 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 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Started communication with Midland back in XX/XX/2021 and asked to verify the alleged debt they're trying to collect. They didn't respond within the timeframe and when they did respond it was just a copy of a letter from XXXX XXXX  stating that the alleged debt was sold to Midland Credit. Midland has been unable to verify the alleged debt and I have sent them another letter asking them to verify the alleged debt and I have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: STERLING BANCORP
State: NY

Complaint narrative:
I have an account with Sterling National Bank & because of the relationship between a Bank officer & a former employee of mine that I terminated on XX/XX/2021, Sterling National Bank tried to preclude me from appointing a Power of Attorney & insisted that I retain the former employee I terminated due to financial irregularities & Sterling National bank freeze my accounts as of XX/XX/2021, until this date XX/XX/2021, But the formerly terminated employee with Sterling National Bank still has access to my account & Sterling national allowed the same person I terminated to Close my accounts & transferred the balance to a new Account, Using only one signature to close my account & my accounts clearly states that two signatures are required, I have 18 sent letters to the Executives of Sterling national bank since XX/XX/2021, & never received a single response from anyone at Sterling National Bank to this date. I still don't have access to my funds in the Bank, Since XX/XX/2021 & this date XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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:
I am a victim of identity theft. XXXX XXXXs, portfolio Recov XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, US Dept of ED/XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, has Fraudulent accounts on my credit profile.that needs to be removed immediately ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT ON THE REPORT IS AN ACCOUNT THAT HAS BEEN PAID IN A SETTLEMENT AGREED BETWEEN ME AND THE COMPANY. SINCE THE ACCOUNT HAS BEEN CLOSED AND SETTLED, I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF MY CREDIT FILE. IT HAS BEEN TARNISHING MY CREDIT AND I AM IN DISTRESSED THAT IT HAS BEEN HOLDING ME BACK FROM ACQUIRING NEW CREDIT. PLEASE HONOR MY REQUEST AND HAVE THIS ACCOUNT REMOVED OF THE 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 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
Started communication with Pacific Credit back in XXXX by responding to their dunning letter. I sent them a request for validation and they sent me a statement with a signature that is not mine ( Forged ) which had my personal and medical information on it. I sent them a letter asking them to send the alleged debt back to XXXX because they sent something that I didn't sign or authorize. I have also sent them letters asking them to remove the alleged debt due to Pacific Credit not validating the alleged debt they claimed I owe them. They have not responded to any of my requests after they sent the fraudulent document. If they would like to have an analyst review the document I would be glad to assist them in this process. I have also been in contact with XXXX XXXX about this and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed oFf a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

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 2021-08-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please see attached dispute that I sent and was ignored

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 2021-08-27 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: NY

Complaint narrative:
I am a victim of identity theft. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, US Dept of ED/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, has Fraudulent accounts on my credit profile.that needs to be removed 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 2021-08-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax has not addressed my dispute thats attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC
State: CA

Complaint narrative:
On XX/XX/2021, I saw an ad on XXXX  for sign up to eToro and if I trade {$5000.00} I will get a bonus of {$500.00}. 

I clicked on that ad, signed up, and made trades for {$5000.00}. 

I have not received the bonus so I contacted their support to see when I will receive it. 
The response was " Due to the high recent demands in cryptocurrencies we are experiencing a large increase in customer inquiries and registrations. We are working to get through this backlog as quickly as possible. We have expanded our customer service teams in order to provide faster service. '' A week later I contacted the Account manager XXXX XXXX asking when i will get my bonus. No response. 

At the beginning of XX/XX/2021, I contacted customer service again telling them that its been 60 days. No response. 

I contacted them again towards the end of XXXX. And this is the response I got. " Thanks for bearing with us. 

Please note that your account was not made via a valid promotional link. This means that we can not credit you with a {$500.00} signup promotional bonus. "

Company response to consumer: Closed with explanation