vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
A credit card was opened in my name by unknown identity. I recieved a call from XXXX XXXX or capital one about a bill that wasn't paid. I told them i haven't opened any creditcard accounts. I dont own a credit card and any card open would have been by fraud. The asked me to send a statement stating such. I did. Here it is over two years that this was supposedly fixed. I even told them i am even willing to go to court to fix this and show it was identity theft. I had two phones that came in prior which i think was part of the credit theft. I called the company that sent them out and stated i didn't order any phones. I was told an address in texas to send them back to. I have no documentation of anything because i never recieved a bill or anything else to notify me. It was ordered from online and no records to prove either way other. I then notifying that my identity was stolen must have been stolen. Same with the credit card company. I do not have nor should i have any credit cards opened anywhere to my knowledge. This includes the credit cards i paid off in 2008 and never opened another. I found out my credit was never restored or fix just this week. I was going to open an account at XXXX XXXX to purchase a lawn more. This is when i found out my credit went from above 720 to the low XXXX mark. The last and only think i had credit was with XXXX and the XXXX XXXX XXXX. I have no other accounts in my name. I don't know who all has placed information on my credit since i first thought the problem was fixed. I am so upset about how things are reported without any notification or any other bill to know if anything was opened in my name. I pay my bills on time each month. I have never ever been delinquent on any account i have opened in my life time. I need help and a full investigation on any negative remarks on my credit report. These company 's are at fault for authorizing any account 's that are opened. These are the only people i have dealings with. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The XXXX loan was paid off for years now. Anything else opened any where using this current address would be from identity theft that started when i first reported it to the two mentioned earlier. I have even had a call from who ever they have turned over the delinquency to a collection agency. I gave them the same information. I also asked them to take it to court so we can get this settled once and for all. They said they would fix it which they didn't evedently. They just never called again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing TRUIST XXXX  XXXX  inquiry and I would like to see the application of credit. Under the Fair CreditReporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being 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
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
To who it may concern, I was in the citizens bank on XX/XX/2022 approx XXXX in XXXX XXXX  by the rotary. I went to make a deposit to my Non Profit account and also to open another business account under the same non profit. 

This was a simple request that ended up being a complete waste of my time and quite frankly I do believe had I been a XXXX XXXX in a suit this would not have happened. I presented my ID which matched the card with my name and the business name. The staff stated they could not open the account without the correct documentation. The original account was already opened. They had everything they needed. 

They went on to say that they needed something with my actual name on it but what was in the documents didnt include my name. The paperwork may not have included my name on it as it only requires the board members not the executive director in non profit public documentation. The man then proceeded to call the original bank in XXXX, XXXX where I opened the account. That still wasnt good enough. 

At that point, highly frustrated, I then provided XXXX letters documenting that I was in fact the executive director of the non profit that had my name on it. He continued to state that he had to call to get verification. At that point he was on hold for over XXXX min. I was in that bank for over an hour. 

I left, extremely frustrated as none of it made any sense. I was trying to open a second bank account for my business. I have banked with Citizens bank for over XXXX  years. I trusted my Non Profit with them. The only thing that I can conclude here is that because I was a person of XXXX, a XXXX and not in XXXX XXXX, there was some assumption that I was not the executive director. I do a lot for the XXXX XXXX community and it is extremely unfortunate that this incident happened. I will not bank with them anymore and will let my other professional colleagues and friends not to either. 

I will be filing a formal complaint with the department of descrimination and many other sources in regards to this incident. 

Sincerely, XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
Law firm is using illegal practices to collect on debt. Has not provided original documents and they are not the original creditor to my knowledge. Around XX/XX/XXXX, I received a call from an unknown number. They claimed to be collecting a debt in my name but did not even say the name of the firm when I returned their call. I told them I had no recollection of the debt, especially since it was from XXXX. I asked for proof to be sent to my home. We set a date and time for the courier and they assured me that they would more than likely be able to deliver paperwork during that time. I even scheduled time off of work to sign for the paperwork. After the day came and no one showed, I realized that they failed to confirm the address on file for me when I spoke to them. The address that they have for me, I have not lived at since XXXX. This resulted in me not seeing documents until they were served to my place of employment even though I expressed willingness to pay once I saw the documents and was sure that it was not a scam since the alleged debt is all the way from XXXX. This was clearly done on purpose since they only had until XX/XX/XXXX to garnish me.They lied about obtaining signatures on certified mail and I am citing improper service and will be taking other steps to remedy this. They have never provided me with the original paperwork from the alleged creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft since XXXX. Someone used my identity to open fraudulently many credit accounts, charged on these account without paying a cent. I have called all parties related to clear my name. It is very obvious that these accounts were not opened by me since they used addresses from California and I have been living in Kansas since XXXX. Also, the bad guy used one credit card to spend over {$9000.00} online purchase. If the credit company wanted to find out the truth, they could trace back to what address the online shopping items were shipped to. None of them were shipped to my Kansas address!! Someone even used a fake driver license ( with my name on it ) to open an account in CALIFORNIA! The bank accepted the fake DL without checking if that DL is legitimate or not! 
The bottom line is I called all the banks to explain my situation, filed police report, even sent my documents. I believe all the banks decided to remove the items from my credit accounts. 
BUT Experian still keeps them and still keeps my credit score low, claiming my bad credit history, which was, of course, due to identity theft! 
When I tried to dispute, Experian policy makes it almost impossible to reach. Experian policy dictates that if it is the result of identity theft, I must call, but when I call, I was placed on hold for endless playing of commercials. I can never get a human online. I used a pay-as-you-go phone. It always costs me to call around to clear my name and now I have to live with Experian 's poor service. Experian takes advantage of my vulnerable victim position. I believe such practice needs to have some consequences. 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 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
XXXX XXXX sold my medical information to XXXX XXXX, which I did not give my permission for them to give my information and a company can't not give another company my information because of HIPPA Laws and Breech of contract please remove from my repost immediately. I have already told them to stop reporting information on my CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am a long term customer of CitiCards ( XXXX  ) with a high level of " XXXX XXXX. '' I took advantage of a promotional offer of a {$20000.00} advance@ 6.99 % on XXXX, I ascertained that my monthly payments would be for new purchases first, since any unpaid balance would have a high interest rate. 

Subsequently I was offered another promotional offer for new purchases which would be held@ 1.99 % .which I accepted. It was not made clear to me that by accepting this offer, that my payments would then go to the cash advance instead of to new purchases. {$18000.00} in payments over the last several months went to the cash advance rate of 6.99 % instead of to new purchases. I now received a surprising interest charge of {$230.00}, based on accumulated new charges. 

This is clear case of bait and switch.

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 2022-03-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I purchased two American Express gift cards for {XXXX} each and sent them to two friends of mine on XX/XX/2022. Upon trying to redeem the recipients received a zero-balance message. Upon getting that message I called American Express immediately to report the stolen cards. I was told on XX/XX/XXXX ; the cards were redeemed in TX but are pending. I was told Amex will put a hold on them, and I was to call the stores and ask to stop the transactions, but no info on whom to call other than they were XXXX stores. I called Amex back and I was to check back with them on XX/XX/XXXX. On XX/XX/XXXX, I called Amex on the off chance that they may have finished whatever they were doing early, and at that time l was given the name, address, and the phone numbers where attempts were made to redeem the cards ( BTW, it was not in Texas, one was in TN and the other was in NH ). In the meantime, I consulted with a lawyer, and I was told the store that sold the cards and the place where the cards were redeemed have no responsibility to fix the problem of the stolen cards, the responsibility lies on the card issuer. However, I called both stores and confirmed what the lawyer said, they have no responsibility to fix the problem. I called Amex and asked them what can be done at that point and I was told the cards were redeemed on XX/XX/XXXX and they quoted me the Terms and Conditions and there is nothing they can do for me, despite the fact that they fed me the wrong information, made wait till the cards were redeemed, and giving hope that I may retrieve my money. 
This happened to me two weeks prior also but did not know what to do about it, in a span of four weeks I had {XXXX} stolen from me in Amex gift cards. Please let me know what documentation is required of me. 
PS. I was asked at the end for a card #, I do not have an American Express Card, this is about a gift card issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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:
TransUnion is reporting inaccurate information. This XXXX  XXXX XXXX account and XXXX XXXX XXXX is not mines and needs to be Deleted off my 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 non-monetary relief
Consumer complaint received 2022-03-21 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: MI

Complaint narrative:
I have attached letters that show all errors or fraudulent accounts appearing on my 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 non-monetary relief
Consumer complaint received 2022-03-21 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:
I have attached letters that show all errors or fraudulent accounts appearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
New Information Intent to Sue : Please be advised that as of XX/XX/2022 Experian has failed to respond to my complaint sent via the CFPB on XX/XX/2022. It is now 7 days past the generously allotted threshold of 30 days allowed by Federal Law and Experian has failed to provide any supporting documents and/or PROBABLE evidence that I have any obligation to the mentioned account below. Experian has failed to properly reinvestigate and delete the disputed item from my credit file resulting in injury not limited to being declined for new credit, XXXX  XXXX  and XXXX. I demand that the account be deleted from my credit file. I am requesting an accurate copy of my credit report once the items have been removed. Should Experian choose to continue to be willfully neglectful as it pertains to my credit file, I will file a dispute against Experian in small claims court seeking remedy for said violation. 
Please see UNVERIFIED account listed below : ACCOUNT : XXXX/XXXX  ACCOUNT 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 2022-03-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been actively trying to communicate with Comenity Capital Bank in regards to derogatory remarks being reported on my credit file. During late XXXX and XXXX I communicated with this company that I was not able to make on time payments due to the pandemic. This company would not work with me at all and has been reporting these payments to my credit reports. Also, Comenity Capital Bank is in violation of my rights under laws. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have clearly stated this in several letters and they have continued to report these transactions. I have sent letters to Comenity Capital Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to remove these payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have my account transferred from XXXX to Citizen Bank on XX/XX/2022. 
Just received my statement and there is a dormant fee charge for {$5.00}. 
In Florida a dormant account consider after XXXX  years of inactivity, while I didn't have this account that long at XXXX and only XXXX  month at Citizen. 
Was trying to contact Citizen Bank over the phone, waiting time at least XXXX minutes and a first person I spoke hung up on me. 
This is unacceptable to steal customer funds under bogus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
on XX/XX/XXXX I was saw in the ER by XXXX XXXX XXXX XXXXXXXX, XXXX. My personal medical insurance is XXXX and XXXX XXXX XXXX is In-Network. The bill was {$1000.00} - the contracted rate between XXXX and XXXXXXXX XXXX XXXX  was {$410.00} which they paid on XX/XX/XXXX. The balance should have been written off/discounted - XXXX XXXX XXXX  has billed me the balance of {$670.00}, I have conference called with XXXX and XXXX XXXX XXXX  and it was concluded that i did not owe the balance based on their contracted obligations. XXXX sent over an EOB. the account was turned over to Wakefield and Assoc., we have sent them the EOB twice ( they claim they don't receive the emails and they don't have a working fax ). as of XX/XX/XXXX, Wakefield and Assoc. says they have closed the account and sold it to another company called XXXX XXXX. My credit rating has been damaged by the incident being turned into collections. Balance Billing is against the law when the insurance and provider have a contracted rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: MD

Complaint narrative:
In XXXX I was hospitalized. On XX/XX/XXXX I received a collection notice from Capio Partners ( collection agency ) notifying me that I had an outstanding balance of {$1800.00} from XXXX XXXX XXXX. Please note : I never received a bill and the charges were never submitted to my insurance company XXXX XXXX. This bill is now showing up on my credit report and I am getting the run around from XXXX XXXX XXXX ( XXXX ). I've spoken with my insurance company and it is XXXX 's responsibility to submit the claim. XXXX told me I had to deal directly with the collection agency who told me I had to contact my insurance company. Because the claim was never submitted the insurance company can not process a claim. I no longer have this insurance and because XXXX did not submit the claim back in XXXX it is likely that XXXX will deny anything submitted now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Having graduated with a XXXX  XXXX, I've taken time to reconcile payments made to Ocwen vs the A/R provided. What I discovered will be missing payment from XXXX thru XXXX on the XXXX mortgage. Please provide a complete record of all payments made on account # XXXX from XXXX thru XXXX. Should you have additional questions, please feel free to contact me. 

XXXX mortgage is being address by the DOJ. 

Thank you for your prompt attention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( home ) XXXX ( cell )

Company response to consumer: Closed with explanation