vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XXXX we received an email from our Credit monitoring service that an account with XXXX Bank that we just had pay them off on XX/XX/2022 that the account was 60 days past due, when in fact we have not been late on the account in over one years. We called the Company right away and told the rep. what just happen, and he was unable to help us, he just stated that we have to dispute the entry. This account was purchase from XXXX bank and since they purchase the account over a year ago, we have not been late. It is unfair for XXXX to report something that is not true and make it seems like it just happened recently when it did not. By them reporting the way they do it took our credit report down XXXX points. 

Below are the statements for payments in the last year

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 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2021 I sent a letter asking Experian to enclose a method of verification for a bankruptcy listed on my credit report. On XX/XX/2021 I then sent another letter asking to enclose their method of verification due to no response from the company. On XX/XX/2021 I sent another letter asking to enclose their method of verification for the third time. On XX/XX/2021 Experian came back with a letter stating the item was verified, but not by who. On XX/XX/2021 I wrote another letter asking to verify, yet again. On XX/XX/2021 Experian sent me a letter in response stating the alleged bankruptcy was verified by XXXX XXXX. On XX/XX/2021 I provided proof from XXXX XXXX stating XXXX XXXX has never verified the alleged bankruptcy with Experian. Because lXXXX XXXX had to delete the item due to not being able to verify it. I enclosed the letter as proof from XXXX XXXX. On XX/XX/2021 Experian replied stating it was still verified without sending me any documentation or proof of an actual investigation. On XX/XX/2021 I replied stating they have not honored my request and have not provided any proof that this alleged bankruptcy was verified by XXXX XXXX. On XX/XX/2021 starting the item was still verified by XXXX XXXX. On XX/XX/2021 I sent another letter to Experian with an enclosed letter from XXXX XXXX stating they have deleted the item from my consumer report due to not being able to verify the item. I have yet to get a response from Experian and they are still listing a bankruptcy on 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 explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: CA

Complaint narrative:
I sent money to someone I know for tickets. the seller said the payment didn't go through so I sent it again. the agreement was the seller would refund it but in the end was unwilling to. I filled dispute with asperation bank and cashapp/ block did not assist me. 

claim you had mentioned in regards to the {$750.00} payment on XX/XX/XXXX. 

The claim you had filed about this transaction on XX/XX/XXXX is claim # XXXX. At this time, we've addressed the transactions you gave originally and have completed our investigation and closed this claim. 

Cash App is unable to cancel or refund this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/XXXX I applied and was approved for a new Citibank checking account. 

I was offered a {$300.00} to {$1500.00} " Checking Cash Offer '' by Citibank for this new account depending on the account balance and the completion of certain required activities. 

On XX/XX/XXXX I contacted Citibank via chat to confirm that my new account was enrolled in and qualified for the Checking Cash Offer. The representative indicated that I indeed was enrolled in and qualified for the Checking Cash Offer. 

According to Citibank 's terms and conditions, I must not have " owned a Citi checking account in the last 180 days '' in order to qualify for the Checking Cash Offer. 

180 days before XX/XX/XXXX is XX/XX/XXXX. I did previously own a Citibank checking account. That account was closed on XX/XX/XXXX. So, I did not own a Citibank checking on XX/XX/XXXX, which means that I am qualified participant in Citibank 's Checking Cash Offer. 

I closed this previous account via chat with a Citibank representative on Citibank 's website on XX/XX/XXXX. This representative told me that " the account is closed '' NOT that it will be closed soon or any other variation. My access to Citibank 's website was immediately terminated following this chat. 

After I completed all of the required activities for the new account Checking Cash Offer, I initiated a chat with Citibank to confirm my completion. During this chat on XX/XX/XXXX, a representative relayed that Citibank 's records showed my previous account was in fact closed on XX/XX/XXXX -- which would disqualify me. 

Based on all available evidence, the XX/XX/XXXX date is just not true. It is false and ridiculous to assert that I had ownership of the account on XX/XX/XXXX, and XXXX when my online access was terminated, ATM card deactivated, and a Citibank representative told me verbatim that my account is closed. Citibank 's records can not be solely relied upon, as they have been issued consent orders from the Federal Reserve Bank and OCC for, among numerous other deficiencies, their data quality management and information systems. 

Now, if my chat on XX/XX/XXXX was correct in that it takes 2 business days to close an account, then either I was lied to and misled in XX/XX/XXXX or I was lied to and misled in XX/XX/XXXX. 

I made a good faith and diligent effort to make sure I was qualified for Citibank 's Checking Cash Offer but Citibank will not pay me due to some combination of their lies, misdirection, and poor data management.

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 2022-03-06 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: PNC Bank N.A.
State: AZ

Complaint narrative:
On XXXX we received an email from our Credit monitoring service that an account with PNC Bank that we just had pay them off on XX/XX/2022 that the account was 60 days past due, when in fact we have not been late on the account in over one years. We called the Company right away and told the rep. what just happen, and he was unable to help us, he just stated that we have to dispute the entry. This account was purchase from XXXX bank and since they purchase the account over a year ago, we have not been late. It is unfair for PNC to report something that is not true and make it seems like it just happened recently when it did not. By them reporting the way they do it took our credit report down XXXX points. 

Below are the statements for payments in the last year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX we received an email from our Credit monitoring service that an account with XXXX Bank that we just had pay them off on XX/XX/2022 that the account was 60 days past due, when in fact we have not been late on the account in over one years. We called the Company right away and told the rep. what just happen, and he was unable to help us, he just stated that we have to dispute the entry. This account was purchase from XXXX bank and since they purchase the account over a year ago, we have not been late. It is unfair for XXXX to report something that is not true and make it seems like it just happened recently when it did not. By them reporting the way they do it took our credit report down XXXX points. 

Below are the statements for payments in the last year

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 2022-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fairway Capital Recovery, LLC
State: KY

Complaint narrative:
During my visit with XXXX XXXX XXXX XXXX XXXX in XXXX, OH 2021. I approached them about a dental service that was going to be out of pocket costing {$500.00}. At that time, the company was owned by both XXXX XXXX XXXX then sometime during 2021, both owners decided to part ways without my knowledge and any notification that the remaining balance will be sent to collections. Unfortunately, the company did not do proper due diligence by asking current patients to pay any outstanding debt before their split. My service was transitioned to XXXX XXXX group which I continued to work with but my debt was with XXXX who was never my dentist XXXX XXXX was my dentist ) - Now due to this action, the debt owed was sent to collections without any attempt to collect the unpaid money from the patient. 

I am disputing that my debt was never was supposed to be sent to collection because I was never asked to pay the remaining balance as I was still working with the dentist so I had every intention to pay. I am requesting the cancellation of this matter.

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 2022-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I paid off my Auto loan and Wells Fargo sent me a title with misspell owner name and address on the auto title. XXXX told me unless this is corrected by Wells Fargo I do not own the vehicle.

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 2022-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My mortgage company allowed my home owner insurance to laps. 
Because they did not pay the policy on time My contract said they are responsible for paying my insurance and taxes on my home through an escrow account. 
I called them immediately after I was notified by my agent and they assured me they will take care of it. 
Now, they are telling me I need to go out and find new insurance. 
I had a great company for my insurance It is hard now to find insurance in Florida. 
This is not my fault, my mortgage payment is in excellent standing.

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 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I sent a letter asking transition to enclose a method of verification regarding an alleged bankruptcy. On XX/XX/XXXX transition replied stating the item verified as accurate but not by who. On XX/XX/XXXX I sent another letter asking for another method of verification as they had not done so already. On XX/XX/XXXX XXXX sent me a letter stating the bankruptcy court verified the item. On XX/XX/XXXX I sent another letter stating the item in question needs to be deleted as they had verified it inaccurately. On XX/XX/XXXX they sent me a response letter stating it was still verified as accurate. On XX/XX/XXXX I sent a letter with an enclosed letter from the bankruptcy court stating they do not verify items with credit bureaus. XXXX has yet to respond to my requests after the letter was sent certified.

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 2022-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I was notified in XXXX if 2021 that a credit card had been opened in my name. I never applied for it, and have since been attempting to close it with no success.I called several times and explained that it was fraud, but since the card was opened in my maiden name ( which I have not used in more than 15 years ) I was not able to provide vailed enough proof that this was not me who opened the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am writing a complaint against ALDOUS and associate, I am aware they are currently gathering their " VALIDATIONS '' together to present to me although I know this is a stall tactic because they had two times prior to show what they had if they had it proof of validation. In addition, they are in violation pursuant to 15 USC 1692g ( b ), they are supposed to cease to collect and remove from report until further notice. They are causing damages by having a collection on my consumer report. Congress states Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. { 15 USC 1692g }. This is also considered identity theft and as a consumer I have privacy. I will be taking an additional action very soon. according to 15 USC 1692k ( a ) ( 2 ) ( A ) PAY ME {$1000.00} AND DELETE OR I WILL TAKE THIS FURTHER. I CANT OBTAIN ANY CREDIT BECAUSE OF THIS COLLECTION ON MY CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I sent a letter asking to verify their method of verification for listing an alleged bankruptcy on my credit report. On XX/XX/XXXX I sent another letter as the company did not respond to my XX/XX/XXXX letter. On XX/XX/XXXX I sent my third letter as the company did not reaping to my previous two letters. On XX/XX/XXXX equifax finally responded stating the item was verified by XXXX XXXX. On XX/XX/XXXX I sent a certified letter with an enclosed letter from XXXX XXXX stating the item was unable to be verified. On XX/XX/XXXX I sent yet another certified letter and the company has not responded since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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:
I have filed a dispute regarding the incorrect items on my credit report. 

1. The following late/missed payments are incorrect XXXX  Account Number : **** XXXX 4 missed/late ( XXXX, XXXX ) XXXX 4 missed/late ( XXXX, XXXX ) XXXX 8 missed/late ( XXXX, XXXX ) Please remove them from my credit report. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
Regional Finance loaned me {$5500.00} at 35.49 %. At the time of signing the loan they asked if i wanted certain insurance policies listed below. At no time did they advise me that I would be paying the 35.49 % interest on these products. In addition they should be required by law to inform consumers that the products they are selling-the extras- can be purchased from other companies- that their 's is not the only choice- especially since the high interest rate applies to these extras Please see below list of " extras '' I was sold with no knowledge of the interest or that there are other options- 1 ) Premium to Credit Life Insurance Company 2 ) XXXX XXXX XXXX XXXX Insurance XXXX 3 XXXX XXXX XXXX XXXX XXXX Insurance XXXX 4 )  XXXX XXXX XXXX XXXX for Non-Filing Insurance In addition I borrowed an additional {$1500.00} on XX/XX/21 and it looks like I was either charged again for these products or more charges were added on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It just says my social security was breached in the dark web and some one by the name XXXX XXXX is using it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: U.S. BANCORP
State: OH

Complaint narrative:
On my XX/XX/2022 statement, my oldest balance transfer had a balance of {$310.00}. On XX/XX/2022, we made two separate payments from two different bank accounts totaling {$310.00}. This should've paid off the oldest balance transfer ; however, the bank did not apply the payments to the oldest balance transfer. As a result, we incurred {$4.00} in interest plus the balance of that oldest transfer is still {$230.00} ( with a {$300.00} balance subject to interest rate ). During my phone call with supervisor XXXX, she admitted the financial institution does not put our payment to the oldest balance transfer ( or any balance transfers expiring soon ) first. XXXX claims her financial institution has no way to ensure consumer payments are directed to a particular balance transfer. Ultimately, these are questionable business practices and ensure the consumer will get charged with interest and/or late fees. The bank is already making money off of the consumer for the balance transfer, but they want to make paying off the transfer as difficult as possible.

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