vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-04 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: FL

Complaint narrative:
I have disputed these accounts several times over the years but they continue to violate FCRA guidelines : - XXXX - XXXX XXXX - Incorrect Utilization Reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: NY

Complaint narrative:
Choice recovery has added a collections in the amount of {$120.00} saying i owe that money. i do not owe this company anything nor do i even know who they are. they are trying to collect a debt not mine. it is damaging my credit score for absolutely no reason and I'm in the process of getting a home and a mortgage and this is hurting my chances substantially. this is rediculous.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: ME

Complaint narrative:
I received an unsolicited Debit card in the mail this week from Chime bank ( XXXX XXXX XXXX ). The card was ready to use with name, number, chip etc. so goes beyond typical " mock '' cards used in advertising. Only instructions were to download the app to activate the card. 
If this is an advertising effort I am highly concerned with their approach and with no additional details about the account I believe this marketing is counter to appropriate banking/lending marketing laws. 
I am highly concerned as I am unsure if this is marketing or identity theft and an account was opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I received a notifications from XXXX  XXXX also XXXX  that I have a collection notice from National Credit Adjust ( NCA ). This company hasn't notified me of this debt before flagging my credit report I have no knowledge of this debt and who is the original debt collector. Have reported this inquiry as fraud. the amount of the debt reported is {$420.00} that this company haven't contacted me for me to dispute this account I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Opened checking account with TD Bank in XX/XX/2020. There was a cash bonus offer in the amount of XXXX. I needed to get a direct deposit of XXXX into the account. The first qualifying direct deposit in the amount of XXXX went in on XX/XX/2020 within a few weeks from the account opening. The offer I listed below. I contacted td four separate times to inquire. Two separate reps stated that I should receive the bonus soon or sometime around 180 days from account opening. I received an email response on XX/XX/2020 stating bonuses are paid 140 days from account opening ; however, it was a generic email. I called today and the rep, XXXX, stated that I was not eligible for the bonus. I explained the scenario and she said she didn't see any notes from the previous reps and that their bonus offers expired in XXXX. 

Perhaps one of their standard bonus offers expired but I submitted mine through an online affiliate site which routes you td 's site and provides all of the bonus information. 

XXXX XXXX XXXX XXXX   XXXX TD " Affiliate '' Checking account offer from " TD Convenience CheckingSM New customers can earn {$150.00} Get direct deposits of {$500.00} or more within 60 days of opening your account to earn {$150.00} Everyday banking perks with low minimum daily balance requirement Monthly maintenance fee waived when you maintain a {$100.00} minimum daily balance. 
If you're ages XXXX XXXX, no monthly maintenance fee and no minimum daily balance requirement.4 View account guide '' https : //www.td.com/us/en/personal-banking/checking-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My XXXX credit card, that I had for about 14 years, was converted to a Citi credit card. 

I informed Citi that I wanted to set-up an auto pay arrangement the way it was with XXXX. Citi failed in its duty to set-up auto pay. Rather than having the bill paid when due, no bill was being paid. 

Emails received gave the impression the bill had been paid as before, but the bill was not paid. 

I think Citi is responsible for my outstanding bill, the late fees and the interest charges. 

I filed a previous complaint with the CFPB, but Citi has refused to work with me in good faith and has even damaged my once sterling credit bureau history. 

I need further help from CFPB. 


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 explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I RECEIVED SOME FUNDS IN MY ACCOUNT AND THEY SAID IT DOES NOT ALIGN WITH THEIR TERMS AND CONDITIONS AND THEY CLOSED MY ACCOUNT AND HAS STILL NOT SENT ME MY FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: SC

Complaint narrative:
I have been disputing this supposed debt for years not to mention that it is a debt that was from identity theft. Also they say the account was opened on XXXX the XXXX 2019 which is clearly a lie because i was in the hospital after having complications for a XXXX which led me to go back to the hospital XX/XX/XXXX so i dont know how i could have possibly commited this fraud!! This company want listen but they will call and harrass you about a debt that is not even your even when you try to explain the beome XXXX and wont listen but will call you XXXX plus times a day to collect money that you do NOT i repeat DO Not OWE THEM!! WHY NOT LEASE XXXX/TEMPO  IS THIS COMPANYIES NAME TWO NAMES MEANS SOMETHIG IS VERY SHADY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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.

Complaint narrative:
In Mid-XXXX XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX  has been submitting taxes on behalf of my SSN since XXXX when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my credit score to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in Michigan like this person does. I don't even believe I have been to XXXX  other than when I was 4 as we were going to XXXX on a family trip. In addition, since XXXX, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from my credit score.

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 2020-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
Good morning, I am a veteran and all my medical expenses are paid by the XXXX. A couple months ago, I noticed on XXXX XXXX there was a bill reported for not paying for XXXX dollars. When I called them I told them the XXXX was responsible for. Bills and they informed me that it was too late and that I had to pay this Bill. I paid it off on XX/XX/2020. But it still showing on my record. I contacted the collection agency and they told me that they already removed it/ reported it and they can not do more than that. 
Who should I contact to get this removed, I have the receipt stating that I paid it off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
809. Validation of debts, USAA violated 809. Validation of debts by failing to provide a notice of debt in a timely manner prior to the closing of the card. By self admission, USAA failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. 

This claim is substantiated by USAA in CFPB complaint # XXXX by USAA with their following statement : " On XX/XX/XXXX, the credit card was re-opened as an exception. On XX/XX/XXXX, the MasterCard charged off with a balance of {$2700.00}. XXXX XXXX, thank you for speaking with XXXX XXXX, of our staff, who advised you that USAA accurately accepted the notarized POA form on XX/XX/XXXX. Furthermore, it was accurately revoked on XX/XX/XXXX. '' USAA failed to provide the appropriate timeline required to inform this cardholder with the account debt nor provided any time for this cardholder adequate notification of any opportunity to remedy the debt, by the omission of the process USAA is required to communicate with any cardholder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My credit score was dropped almost XXXX points from XXXX to XXXX because I paid off and closed credit cards. Both Transunion and XXXX  both dropped my score from XXXX to XXXX. This is not right that now I have to pay higher interests rates because of a low score. I still have a XXXX student loan that I have been paying on time and extra towards and that is not being considered valid in my score rating. Who do I complain about this to? It is not OK to put a person at a low score for being fiscally responsible.

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 2020-10-04 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: BARCLAYS BANK DELAWARE

Complaint narrative:
In Mid-XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX  has been submitting taxes on behalf of my XXXX since 2015 when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my XXXX XXXX to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in XXXX  like this person does. I don't even believe I have been to XXXX  other than when I was 4 as we were going to XXXX on a family trip. In addition, since 2015, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from my credit score.

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 2020-10-04 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
In Mid-XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX  has been submitting taxes on behalf of my XXXX since 2015 when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my credit score to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in XXXX like this person does. I don't even believe I have been to XXXX  other than when I was 4 as we were going to XXXX on a family trip. In addition, since 2015, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: OK

Complaint narrative:
My credit score was dropped almost 100 points from XXXX to XXXX because I paid off and closed credit cards. Both XXXX  and Equifax both dropped my score from XXXX to XXXX. This is not right that now I have to pay higher interests rates because of a low score. I still have a XXXX student loan that I have been paying on time and extra towards and that is not being considered valid in my score rating. Who do I complain about this to? It is not OK to put a person at a low score for being fiscally responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On or about XX/XX/2020 I went to Citizen Bank to open a savings and checking account from a mailing I received to get up to {$600.00}. Open a checking account get {$300.00} if left in for 60 days with a deposit of {$500.00} or more. Getting additional {$200.00}  if you open a savings account for minimum XXXX and leave it in the account for 3 months. Plus get additional {$100.00} if you do both. According to the terms this money has to be left on deposit until  XX/XX/XXXX. After numerous attempts to get the money out the {$600.00} was never deposited to my account. After numerous trips to the bank a car was made to corporate by the branch. I was informed then that I did not qualify for the offer because I had a checking account within a certain amount of time. My problem is they could have told me that at that time and I could have kept my money and we didn't have a problem. But if you're going to take my money for the promotion and keep it for the time specified then you should pay me the {$600.00}. Branch manager XXXX XXXX was tremendous help but not the right solution I was looking for. When I did the same thing with XXXX XXXX XXXX  they told me right then and there that I didn't qualify. Citizen could have done the same thing instead of taking my money. The promotional code for this offer was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This company has reported an account on my credit report as a collections account that I need validation on. If not, I demand that they be removed from my credit reports. I need the following information to be sent for this account that they have submitted to all 3 credit bureaus. I do not have full information on them, as I am only aware of the information that is currently shown on my credit report. Account : Account # XXXX Alleged balance : {$460.00} Date Opened : XX/XX/2020 Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
In CFPB report # XXXX ; Convergent Outsourcing made the following Statement '' " Convergent Outsourcing has ceased collection activity on behalf of this account. We will request that our this account be removed from the credit bureaus information for. A copy of your complaint will be forwarded to our client for further review. We do not own this account and therefore we can not guarantee resolution. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department by Email at # XXXX should you require further assistance. Kind regards, Compliance Representative at Convergent Outsourcing , Inc. '' Convergent Outsourcing has failed meet their expectation of providing " a fraud packet '' ; in addition we will also mail you documents obtained from Eversource validating the balance that they state is owed ; Convergent Outsourcing has ceased collection activity on behalf of this account. We will request that our information for this account be removed from the credit bureaus. '' Furthermore, Convergent Outsourcing violated 809. Validation of debts by failing to provide a notice of debtin a timely manner prior to the closing of the card. By self admission, Convergent Outsourcing failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such.

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 2020-10-04 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: OH

Complaint narrative:
There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX, ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXX XXXX  XXXX XXXX XXXX  ohio XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation