vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 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: FL

Complaint narrative:
I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I'm so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called Equifax gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified Equifax month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at Equifax that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Account ending in xxxXXXX and xxxXXXX MedicalXX/XX/XXXX reported XXXX XXXX Collections {$1900.00} ( Not My Account ) Medical XX/XX/XXXX reported XX/XX/XXXX Collections {$210.00} ( Not My Account ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. I went through a Loan rehabilitation program with the US DEPARTMENT OF EDUCATION and the loan is now in good standings as of XX/XX/2019. This is in violation under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA - you are required to .... promptly DELETE all information which can not be verified or reported inaccurately '' The law is noticeably clear as to the Civil liability and the remedy available to me for me " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigation Consumer in the matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Accounts be verified or deleted immediately : DEPT OF EDU/XXXX  # XXXX US DEPARTMENT OF EDU # XXXX US DEPARTMENT OF EDU # XXXXXXXX This is my only number XXXX All other telephone numbers are not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX, On XX/XX/2021 I have contacted my credit Card Company Barclays Elite MasterCard in regards of XXXX XXXX XXXX XXXX. 
The response was clearly stated that I do have this benefit ( the response from credit card enclosed ). 
So based on the response, I applied and used this card to pay for the XXXX XXXX  applications. On XX/XX/XXXX I contacted bank to get an explanation why this benefit was not paid as promised. The service representative simply said that the initial response I got was a mistake, said sorry and hang up. I called several time on this day, spoken with the manager, however were no results. 
It seems they are practicing this scam to get customers to open the accounts but never committed the obligations. I believe this is a serious matter by misleading the customers to get the businesses, Thank you, XXXX 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 monetary relief
Consumer complaint received 2021-02-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank took a payment check which was written out for deposit to my wife 's Citi account and applied it to my credit card. 
They agreed, in a tape recorded conversation, that it was their fault. 
When I requested immediate payment, on XX/XX/21, they said that it would post to my bank account in 2 or 3 days. 
When it did not post till today, ( XX/XX/21 ) I called. They said that the original information was false and that nothing would happen till XX/XX/21. I asked when the process would be completed, they said no guarantees. 
Two different supervisors agreed, in tape recorded calls, that they could not provide a check. Second one was today, XX/XX/21 XXXX # XXXX. 
There is nothing to research or investigate by Citi. 
There is a clear paper trail of a mistaken payment by them, and they agree that that its what happened. 
Please force Citi to change its practices so that immediately begin to process a check when this happens to someone else. 
If I stole their money ( {$15000.00} ) and told them that I would return it when it was bureaucratically convenient for me, I would be in jail for it. 
My credit card that the money was mistakenly used to pay down the amount owing is XXXX XXXX XXXX XXXX. My money was withdrawn from my XXXX XXXX Checking ending XXXX. 
Please let me know if I can provide further information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
The same man keeps calling me he cusses me he tells me XXXX keep adding bills to my name and Ill never have good credit some of the bills he says I owe arent from me Ive asked him to stop contacting me if hes just going to talk to me like he does and not help hes screamed at me many times used language not appropriate Ive blocked numbers over and over he tells me hell do whatever he wants he calls me two times a week sometimes after XXXX XXXX every time I dispute his stuff on my credit he calls and does the same thing my husband has asked him to stop calling to stop talking to me the way he does and this man doesnt stop I have bills now from him that I didnt even go to that hospital I feel like this man is out to get me its Louisiana recovery and the man doesnt speak XXXX very well and he tells me things I dont find appropriate when I dont agree with him

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 2021-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
I was made aware of the collection account after I had received an adverse action letter in the mail because of this negative account reporting. When I checked my credit report I saw this collection account reporting. I called to dispute this debt but ended up settling. But that was not an admission of guilt to the debt I just wanted to get it resolved. I never received the dunning letter that I read online that I suppose to receive letting me know I had a right to dispute this account within 30 days. However, I agreed to pay this account with the promise they would remove it. But the debt collector misrepresented the account and mislead me to believe that by paying the account it will be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: AES/PHEAA
State: IL

Complaint narrative:
I attend XXXX XXXX from XXXX to XXXX as you many know they recently went bankrupt do to frauding students. While I was there I took out a private student loan. It was through AES American Education Services. My issue is why am I having to pay this back since I had to prove I was a student in order to get this loan and the school was do what they did to students. 
I am XXXX years old and i am my sole supporter. I will be close to XXXX when this loan is paid. They have worked things out in the past such as forbearance, delayed payments etc. Well I have used all those options. Well last year they did give a 90 period where I did not have to make payments I got caught up however I am 3 months behind again. I have called them and asked for help nothing. I was told the loan was held by National Co ligate Trust. They would not give me their contact nothing at all. I can not do anything in my life because of this. It is a burden on my cosigner as well. They will not release my cosigner. I am having to choose between paying my electric putting food on my table, or even gas to get to work. This has also effected me mentally. I have proof of this i am seeing a consular.I am getting nowhere. My life is pretty much over. no travel for me no buying new clothes, no buying extra food, or even taking someone out on a date. I am pleading for help. I am exploring everything. I want my money back this is pathetic they are getting away with this. My state attorney general wont even help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in XXXX of XXXX, I had fraud on my credit card. As soon as I found out, I contacted Chase and disputed the fraudulent transactions. The claim was resolved in my favor, however, I am still being charged interest on those purchases. I have called several times trying to get this issue resolved and I have been told that the issue would be resolved, but as of the most recent statement, interest is still being charged on purchases I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My funds were low in my account. I turned off my bank debit card on the Bank of the West App ( turning " off '' your debit card prevents charges from being made against the debit card. It is a feature of the Online Banking App ). I was not informed about a problem, nor was I given the opportunity to make things right with my bank before I was charged an obscene amount of punitive Fees. These fees are predatory in nature and even though I work for Bank of the West, this is not an ethical or lawful practice which is why I am reporting this to you. I also need the CFPB 's help recovering the fees that I'm being charged in the amount of {$160.00} In other words, I am asking for the CFPB 's help in getting a refund of these abhorrent fees from Bank of the West which are both punitive, predatory and inherently discriminatory. 

The Fees are broken down as follows : {$35.00}, {$30.00}, {$25.00}, {$35.00} and {$35.00} for a total of {$160.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 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: DC

Complaint narrative:
For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well as a defamation of character. I, the consumer never gave written consent or was consent received from a court of competent jurisdiction to have my personal identifying information be shared to these third parties ( credit bureaus ). I the living man have all power above these companies and demand my request be honored. I am the CREDITOR as it is my credit and energy that funds any consumer credit transaction. I am NOT a borrower. I AM the lender. In addition lender and borrower are not defined Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report and Per 15 US Code 1692b ( 2 ) - May not state that such consumer owes any debt This is my written instructions for the credit bureaus to remove ANY negative items from my report so that I the consumer may continue in commerce with barrier. The items are as follows Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All hard and soft inquiries XXXX XXXX XXXX should be the ONLY name listed XXXX XXXX XXXX XXXX should be the ONLY address listed

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 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
This information is fraudulent and needs to be removed from my credit score immediately and permanently. CREDIT COLLECTION SERVIC CREDIT COLLECTION SERV

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP
State: NY

Complaint narrative:
I am being wrongfully pursued by a debt collector Crawley & Bergmann about a federal judgment made against the net winners of XXXX ( Bell vs. Disner ). They are threatening to put a lien on me if I do not pay. I have no association with this website. My ss # was stolen to open an account with them. 

The steps I have already taken : 1. Opened a police report 2. Filed with identitytheft.gov 3. Frozen my credit I have also sent the debt collectors all the reports as well as a letter stating that they have the wrong person. Regardless, they continue to harass me for payment because of the judgment.I basically need the judgment vacated due to identity theft/mistaken identity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I'm so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called XXXX gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified XXXX month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at XXXX  that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX and XXXX Medical XX/XX/XXXX reported XXXX XXXX Collections {$1900.00} ( Not My Account ) Medical XX/XX/XXXX reported XX/XX/XXXX Collections {$210.00} ( Not My Account ) Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I'm so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called XXXX gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified XXXX month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at XXXX  that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CBNA/XXXX XXXX XXXX Account ending in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX reported XXXX XXXX Collections {$1900.00} ( Not My Account ) XXXXl XX/XX/XXXX reported XX/XX/XXXX Collections {$210.00} ( Not My Account ) 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 2021-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received a notification from a credit monitoring service I subscribe to that my store card account with Best Buy had been closed by the bank Citibank. I received no notice from the bank that they were going to take this action. I am currently in the process of trying to purchase a home and now that this long-standing account has been closed, I may not be able to secure a mortgage due to the change on my credit report. If I had received some notice, any notice, I would have taken action to prevent its closure. I spoke with someone from the bank 's customer service and the first person I spoke to advised me that an email had been sent to me in late XXXX. An email that I never received. The second person I spoke with stated she could not see any email being sent to me. The third person I spoke with said that letters were mailed out in XXXX and XXXX. Letters which I never received. If I weren't in the middle of buying a home, I probably would have let the account close. But because everything is reliant on good credit nowadays we are basically at the whim of the banks. I try to be a knowledgeable financial products consumer but when a financial institution decides to close an account without regard to how that may impact consumers, there's very little that we can do as consumers.

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 2021-02-20 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have an item on my credit report XXXXXXXX XXXX  XXXX XXXX that is incorrect and does not belong to me please provide written proof that I authorized this account to be on my credit report in fact I never provided any personal information to this company and do not know who the company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: AL

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year this is not a regular dispute i have filed a compliant with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap. I will not wait another 50 days to receive response because clearly yawl ignoring me. I demand these accounts be deleted immediately or I will file for ligation due to the stress you gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.

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