vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a checking and savings with Citibank online on XX/XX/2021. I had an ACH direct deposit put into the account on XX/XX/2021 from my employer XXXX. Citibank froze my account immediately. They said due to not being able to identify me. I offered my birth certificate, social security, and ID, and they would not accept it for identifying me. I have not been able to access the funds since XX/XX/2021. There is over XXXX dollars in the combined accounts. I have called this bank over 13 times, and emailed 5 members of corporate 3 times, emailed customer service 6 times, and tried to message the official Citibank XXXX 4 times in an attempt to identify myself and gain access to my funds. They have told me I would receive a letter with further instructions on how to identity myself in 7-10 business days. That was 3 weeks ago. I have reported to them I have never received this letter, and they said you will have to wait. I cant wait anymore. I am a mother, and losing out on this much money has been devastating to my financial health. I have incurred hundreds of dollars in fees because of returned items from Citibank. My car payment was returned and I had a fee. I lost my good standing at XXXX due to a check being returned. The XXXX account is now frozen because of this check I wrote myself from Citi being returned. This is the most frustrating situation. There has been no help from Citibank at all, and they have told me I would not have access to MY money unless I identified myself in the way they predetermine. I dont understand why certified legal documents arent enough. Please help 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 2021-03-07 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: NC

Complaint narrative:
I would like to send a complaint about these three companies, EQUIFAX, XXXX  and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: IN

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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:
Equifax lied to you concerning XXXX that reports on my credit file.. I received a letter from XXXX XXXX XXXX asking the credit bureau to remove the reporting from my credit report due to them finding out that the account was fraudulent and wasn't mines. They also sent me a letter stating they would not be holding me reasonable and they've asked the credit bureau to remove all reporting from their company! XXXX  has removed theirs and Equifax has a very nasty attitude when I called to speak with them, I spoke with a supervisor who told me they would remove it but didn't. I'm enclosing a copy of the letter that I received from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: We Collect Inc
State: OR

Complaint narrative:
This is a XXXX year old debt from 2009 I believe ... I didnt even know about it until they start garnishing me 3 years ago out the blue ... .the debt is from a fiancs car I returned the car I was told at the time they sold the car to pay my remaining balance off ... didnt even know I still owed a balance.. never received a bill in the mail nothing for 10 years and than I start getting garnished. I quit my job due to daycare issues. Changed careers and havent been garnished. Until now ... this debt is so old and isnt even on my credit report.. how can they sue me and garnish me ... without even giving me the options of doing a payment plan..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My wife ( XXXX XXXX ) received settlement from XXXX XXXX XXXX in the amount of {$9000.00} She opted to have the funds sent through PayPal for the so called quick and convenient service. She received the money uploaded her debit card information, she tried to cash out the money but was only allowed to send {$500.00}. So she called PayPal numerous times and got messages stating due to high call volume no-one maybe be able to answer the call and then the call drops. She finally got a representative explained her issue and the representative restored her account. My wife then sent {$5000.00} to my PayPal account then she sent {$3500.00}. I received the money and tried to cash it down to my XXXX XXXX account and when I did that I immediately received an email from PayPal stating that my account was shut down and closed and that I could look at my account but was unable to claim my money or perform any transactions and that they would be holding my money for 180 days/6 months. This is unacceptable, we are in a pandemic and my family needs all of the money that we can get to survive. I currently have an eviction and my family will be forced out of our home. I as well as XXXX XXXX opted to use this service as a way to get the money to us quickly to help us resolve our financial woes, but now we are face with PayPal stealing our money. I have already submitted the requested documents to Paypal and recieved and email staing they will be holding my {$8500.00} for 180 day/6 months! This practice is unexceptable and something must be done about this! I cjoose Paypal as an option and this was a bad choice! Paypal is not a bank its an App os this type of pratice should be out lawed and regulated! I dont need Paypal to hold any money for me my wife and I were entitled to this money from XXXX XXXX due to a Car accident we were in. This was my wife ( XXXX XXXX ) settlement check she opted to have sent to her via Paypal! We are in jeopardy of being evicted and due to the Pandemic our jobs and business has slowed up. Causing or bills to get behind. Our family REALLY need this money! So please help us fix this problem and Reinstate my account so that we can have access to the money {$8500.00} that rightfully belongs to us NOT!! Paypal!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07 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: PA

Complaint narrative:
I would like to send a complaint about these three companies, EQUIFAX, XXXX and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi Im XXXX XXXX XXXX, I called all three credit reporting agencies about inquiries on my credit report Equifax, XXXX and XXXX, their failing to and refuse to help a consumer, by denying me the right to dispute information on my reports that I find fraudulent, I do not want a fraud alert, these agencies are very unprofessional they have people that does not understand federal law, example I gave a call to Equifax hung up on, transferred constantly, rude, then I spoke to someone I couldnt even understand, this is the kind of professionalism you none, I want these inquiries removed I will list them and make attachments, I recently found more, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, these are on my credits reports one then once, and others are not all on the same report please remove inquiries, and please do not use and excuse I am the one filling out this information, and filed a FTC identity theft report, please remove all inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Scheer, Green & Burke L.P.A.
State: TN

Complaint narrative:
on XX/XX/XXXX, XXXX XXXX saw an XXXX, XXXX XXXX at XXXX XXXX XXXX. After services were performed, he learned it was not a covered service. His wife spoke to XXXX Billing who said they would try to re-submit or write it off. 
In XXXX of XXXX, Mr. XXXX received a notice from a collection agency and his wife contacted XXXX who said to disregard it that they were writing it off. A final notice was received in XXXX of XXXX. 

Then, on XX/XX/XXXX, he received a letter from supposed attorneys Schreer, Green, and Burke demanding payment. Mr. XXXX responded with a letter dated XX/XX/XXXX, disputing the claim particularly because more than 12 months had passed with no invoicing and indicated that he had no intention to pay when he had been told it had been written off AND there had not been any appropriate invoicing since XXXX of XXXX. 

Mr. XXXX then received a second letter, undated but with a postmark of XX/XX/XXXX with a copy of the medical account information from XX/XX/XXXX indicating that we had 30 days to dispute it even though we already had disputed it and told them in writing there was no intention on Mr. XXXX 's part of paying the amount. 

The issue of the complaint is that they are trying to collect a medical debt that had gone more than 12 months with no invoicing. Thus the second letter was construed as harassment. Mr. XXXX is a XXXX year old retired XXXX veteran of an allied country, who has immigrated to the US and has limited means so this should also be considered as preying on the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: VA

Complaint narrative:
XXXX XXXX @ XXXX XXXX XXXX XX/XX/XXXX Bill : {$7100.00} sent to XXXX XXXX XXXX payed the ALLOWABLE amount of {$500.00} on XX/XX/XXXX to XXXX XXXX DBA Paragon Revenue GR opened collection on XX/XX/XXXX This collection charge appears on XXXX Credit Report DBA Paragon has NEVER CONTACTED me regarding the alleged amount owed of {$1200.00} either by a paper trail or phone. I do not know how they arrived at this figure when XXXX XXXX accepted the payment of {$500.00}. XXXX won't remove this charge because DBA Paragon claims it is legitimate. XXXX considers this original bill of {$7100.00} to be payed in full. My out of pocket expenses with XXXX had been met, so I am not responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: VA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The night of XXXX and between the morning of XXXX My wallet with my edd debit card was stolen I figured it out Monday morning the XXXX of XX/XX/2021 I reported my card stolen with Bank of America Immediately the stopped and canceled the card and sent me a new card that arrived about 8 days later I then contacted edd I needed to verify my identity with them and XXXX then they sent Bank of America that info I called back to B 9f A few days later they told me to wait for more info and that {$810.00} dollars was stolen from my account I still have money in the account I got a letter from them a few days later XXXX that was dated the day after I reported my card stolen XXXX saying my account had been closed claim closed my account was charged for the {$810.00}, the new card the new card should up but was unable to activate it not able to access my remaining balance or any of the new payments sent to my account since then still closed they told me I had zero liability on this account and that they would help me fix the issue take I was taken care of then next time I called I was told I wasnt even a customer anymore and there is nothing I could do transfer on hold for hours to only hang up on me still have at least returned my money I have no negative balance or owe them for anything or allowed me to open a new account to address the problem like any normal bank would there is the federal act of Regulation E to protect my account as well as there claim that my edd card has Zero liability protection they totally turned the opposite pushing it under the rug closing the account rite away no investigating or asking for any details what happened how what why where not holding up to there contract with edd and myself with the there debit card specially in situation and from keeping my funds not following guidelines there are more details

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 2021-03-07 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: VA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ONCE AGAIN XXXX XXXX  IS BREAKING THE DODD-FRANK ACT! THEIR COLLECTION CONSORTIUM ROBO CALLED MY DAD COLLECTING A INVALID DEBT FROM XXXXREPORTING ON EXPERIAN HIDING IN INSTALLMENT LOAN SECTION. 

WE HAVE 11 ROBO CALLS ON TAPE AND NOW STARTING CLASS ACTION LITIGATION. SEE SCREEN SHOTS.

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 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
XXXX XXXX gave XXXX XXXX XXXX a Merchant Advance in XX/XX/XXXX for XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX. The Broker who set the Advance up was fraudulent and he took money from my account twice. My Bank shut the account down, my Business also went under due to Covid-19. This was not a loan and definitely not a personal loan. My Credit Report is showing on XXXX  and XXXX  this account was opened XX/XX/XXXX and that it is a personal loan. This is a lie and inaccurate, both parties are in Violation of The Fair Credit Reporting Act and are liable for damages up to {$1000.00} each in State and Federal Court. Caine & Weiner is pretending to be a Law Firm when they are just a Collection Agency. The amount is a lie also, I received a notice from another company last year that the amount was {$6800.00} but on my Credit Report is {$7900.00}. I am in the process of contacting The Attorney General Office and The Federal Trade Commission to file complaints against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: MO

Complaint narrative:
I recently filed a report, and you said you could not process it because you do not have a relationship with the company : XXXX If I reported the company as XXXX, try XXXX XXXX XXXX. XXXX is XXXX for XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase.

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