vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX has reported on checksystems ID # that they suspected me of fraud in XX/XX/17 for an amount of XXXX $ rtn XXXX XXXX. They have impacted me from getting any other accounts for my new business and personal accounts at any other banks. This information is wrong there was no fraud. I did own the account and I never did anything that should be reported as fraud. I demanded XXXX XXXX XXXX to remove this or show proof through check systems but nothing has come out of it. I do know that I left the account in a negative balance but was going to pay it off as soon as I had the money. Also, I suspected XXXX XXXX XXXXXXXX of adding more fees and changing the dates on the closed date with the intent to keep it on my report for a longer time. I tried opening a business account but with no success due to this reporting. XXXX is acting like a vigorish loan shark and borders on the side of illegal.

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 2021-05-05 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: IL

Complaint narrative:
Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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:
This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB on XX/XX/21. Any further attempts will include additional complaints to thXXXX XXXX FTC as well as my States Attorney General. 

The date of my first letter was XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. 

I feel that you questioning if my complaint was sent by me or not is an attempt to get around the rules set out by the FCRA in section 611 ( a ) ( b ) ( c ). 

I demand the accounts in question be deleted immediately or I will file for a litigation due to the XXXXl and emotions XXXX you have caused me. This matter has effect my XXXX and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach.

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 2021-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
From XX/XX/2020 until now, i pay about XXXX, the statements show that the company put whatever amount to interest and small amount to principal, every month fluctuating amounts and when i ask to pay principal equal to interest they stated i can not. So i can't pay with cash, check, credit card.and.subject to thier format.of payment division. Also they report higher amount on fico report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian will not allow me to retrieve my security PIN online via their website, nor unfreeze online. Even their phone representatives will not allow asking knowledge based questions to ask for a new pin to be mailed out. 

I am moving in a few weeks, and the freeze needs to be removed to start electricity services. Therefore, I will be homeless and without a place to stay. 

It is unacceptable to mail sensitive documents during a global pandemic. They refuse to allow another method to send VERY sensitive documents. 

XXXX the agent I spoke with on XX/XX/XXXX at XXXX XXXX  EST denied providing any reasonable callback situation timeframe. She lied stating they would call back " standard time '' which is not a US timezone. She refused to clarify the situation with anyone. She also could not provide any other information for identifiers.

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 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I sent out an Affidavit of Truth to CREDIT COLLECTIONS SERVICES which has been ignored. I've sent out a Notice of Default and Opportunity to Cure with hopes to get my issue resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second complaint against equifax. I have asked that this company take XXXX XXXX off of my credit report since they did not respond to my previous dispute. This is the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CA

Complaint narrative:
I'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.

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 2021-05-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Chase Executive Office Claim ID XXXX Notice of Dispute I disagree with the outcome of the investigation. 
XX/XX/XXXX In the late XX/XX/XXXX Ive made a purchase from XXXX for an XXXX XXXX XXXX XXXX. After short evaluation at home, Ive came to the conclusion that the unit had defective battery it was either discharging quite fast either failed to fully charge ( up to 100 % ). 
On XX/XX/XXXX Ive requested a return for a refund from XXXX. Unit was shipped to XXXX via XXXX XXXX XXXX and delivered as of XX/XX/XXXX completely within XXXX Return policy. 
Please, consider supporting documents attached. 
Im kindly asking to continue the investigation and credit {$1500.00} back to XXXX XXXX account. 
Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Vermont Student Assistance Corporation
State: VT

Complaint narrative:
I attended Vermont XXXX XXXX obtaining a XXXX XXXX and a XXXX XXXX XXXX in XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX with funding provided through federal and private loans through VSAC. 

I wasn't aware of the Public Service Loan Forgiveness option when I first became a public servant in XXXX, so all of my payments made prior to consolidating all of my loans with XXXX in XX/XX/XXXX were part of PSLF, but not the public service period which covers 36 additional payments not being counted for PSLF. So, that is one problem.

The other issue is with the private loans through VSAC - Vermont Student Assistance Corporation. The original private loan was for {$61000.00} in XXXX when I graduated. I have currently made {$53000.00} in payments. So, assuming the APR was low, I would only have {$8100.00} remaining to pay. But, the VSAC statement sent to me on XX/XX/XXXX has a balance of {$51000.00}, which means if I paid off the current balance, I would be paying {$100000.00}, which is {$43000.00} MORE than the original loan amount. So, VSAC would be earning {$43000.00} in interest on these loans. When I realized this was just a losing game and I couldn't pay any longer, I stopped paying during the Pandemic, and I offered {$15000.00} in settlement of the remaining debt, but they refused to accept a debt settlement amount and stated my only option was to participate in their " Private Loan Rehabilitation Program '', which means no reduction in my overall balance, it just means I have to pay the same balance, which has been growing every month as they add more and more interest, and it just takes longer to pay it off. This not sustainable at all. I can not keep paying more and more every month for a debt that should be paid off with less than {$10000.00}! 

Please help. I am drowning with the VSAC private loans. I want to do the right thing and have tried to pay these loans off, but it just feels like a neverending process. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Received letter XX/XX/XXXX my checking access frozen ... 

Called Fraud Prevention XX/XX/XXXX Was told they are closing my account and that I would receive any funds in the account after 30-60 days After 90 days still no check {$6000.00} Called back to XXXX Citibank and asked to talk to supervisor they told me that there was a block on my account and they were closing the account Called and spoke to XXXX she referred me to XXXX dept. XXXX choose option # XXXX Doesnt know when the account will be closed. 
Supervisor XXXX. 

XX/XX/XXXX Following up called Citibank because I had not received anything in the mail as promised. 
Update new address : XXXX XXXX XXXX XXXX XXXX XXXX  hi XXXX As always I am on hold now for hours XXXX and still nobody is coming back. 
It is my request now to fly to mainland XXXX XXXX and retrieve my money owed. 
As there is no local branch of Citibank.

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 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Hi CCS/ XXXX/cfpb and all the credit bureaus ; I'm not sure why is this XXXX for {$500.00} is still reporting on my credit because i was told that it was supposed to be removed and permanently deleted from my credit. why is it still here. Delete it from my credit and see the proof attached. i been working on this with everyone ( e.g. XXXX, ccs, credit bureaus ) for the last 3-6 months. 

HERE IS A CONFIRMATION : Your payment has been received by this office. Thank you. 

Please print this page and keep it for your records. The following is your confirmation number : APPROVAL CODE : XXXX STATUS : Approved FILE NUMBER : XXXX AMOUNT : {$500.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Account was opened fraudulently without my knowledge or permission even after filing a local police report company still reporting this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had my Capital One Credit Card Opened for 20 years 3 months ( XX/XX/2001, opened ). I contacted Capital One Credit about my missing information on my report and they sent me a letter saying that the information is reporting correctly. However, whenever I look at my XXXX  it is not showing. They have an app that allows for the monitoring of your credit called XXXX and it pulls the information from XXXX  which still doesn't show my account. This is important to me because it is my first credit line I have had and. I need it to be showing to all the Credit Reporting Agencies. I have the letter they sent saying it is reporting but that is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
Ever since Bay Area Receivables has had collections relating to me, they have not sent me a statement or documentation regarding the debt. I end up finding out by email since they had an old email on file. I have to ask them each month for a statement and they still don't send me a statement, usually they send me an email with the account number, collection name, base principle due, interest/fees and total due. I have received one statement after sending numerous request.

I also have one account in collection that my ex-husband is responsible for and I notified them of this to be told, too bad the dentist office submitted my information as the responsible party. I was the primary parent providing housing/food/and daily necessities. My ex was court ordered to provide the insurance coverage and we split all quoted cost for services and any charges that the insurance did not cover he was also to have paid those cost. He was also to handle all discrepancies with insurance/medical office billing as he was the parent carrying the coverage and the one who received all benefit statements and documents on what the insurance did/did not cover. Making him the responsible party of medical debt. This was explained to the dentist office when we started seeing this dentist and the paperwork was completed in the manner that the staff instructed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CA

Complaint narrative:
I'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Monterey Financial Services LLC
State: PA

Complaint narrative:
I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is MONTEREY COL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have attempted multiple ( 30+ times literally with 6+ Different authorization methods ) to prove to Citibank I am real. Ive given them multiple phone numbers, which they state they cant use to authorize account, authorized via portal multiple times, sent demand letters x2 ( Im attaching their most recent response to my sending a signature card per their request, a selfie, a copy of my license and others ). 

They refuse access to account. Meanwhile Im on ssdi with no acceSs to money. Help, please.

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 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged 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 2021-05-05 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:
I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged 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 2021-05-05 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: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have a credit card with Regions bank. I made my Regular cc payment on XX/XX/2021 in the amt of {$290.00} using my XXXX  XXXX XXXX XXXX XXXX account. On XX/XX/2021, I made a double up payment of {$930.00} using my XXXX account. I was told it would take XXXX to XXXX  days to post. Within that time I noticed the money hadn't posted so I called in to Regions. I was told that the payment still hadn't processed at that time I was informed by Regions credit card department that they could cancel the transaction then process a new one. I decided to do a new transaction. A few days passed when I noticed Regions had collected the money. Shortly after, I noticed Regions bank had debited my account for another {$930.00}. I asked for them to return but they replied that they can't return my money because it's a non Regions bank account. As of today, they have failed to return my money to me. I asked if they could forward the {$930.00} they took from my account and deposit it into one of the Regions bank accounts my boyfriend has with Regions being that he's a business owner and he has me listed as the authorized user as well my name is on his accounts, having the privilege to discuss his accounts or make necessary changes, Regions have denied me asking if they could deposit the money into a Regions account with me being the authorized user and my boyfriend speaking with Regions bank credit card company authorization to allow me the right to be able and have my money Regions took from my non Regions acct to be deposited into his Regions XXXX  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 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 sent out an Affidavit of Truth to IC SYSTEM which has been ignored. I've sent out a Notice of Default and Opportunity to Cure with hopes to get my issue resolved.

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