vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have citi aadvantage master card account. I lost my card and requested a replacement. I was told the cards were canceled. The next day I recieved two new cards by XXXX, I activated both cards using the number on the card XXXX XXXX XXXX. My daughter used my wife 's card to make purchases including two purchases of XXXX at the XXXX XXXX in XXXX XXXX. One transaction at a XXXX XXXX was approved. The two XXXX  purchases were denied. I recieved fraud alerts and approved the purchases twice. They were declined again. I called back and tried to find out why they were denied a second time. The person said he didn't know but they were declined. I asked him to reinstate them. My daughter had to pay on her credit card and I will have to pay cash from my bank acccount to reimburse her. The phones are gist s to my grandson in XXXX and my daughter. I called citibank this morning. I talked to an agent who said my cards had not been activated and she activated them. I pointed out the harm done by the inappropriate denials and requested they reactivate the denials. They said, they can not reactivate a charge that has been denied. They said all they could do is activate my card. I spoke to a supervisor who said the same thing. Citi acted illegally and inappropriately by denying that I had activated the card and they have electronic transactions and recorded phone calls to that effect. Citi acted in appropriately by denying the charges when I had a {$5000.00} credit limit sufficent to approve the charges. Citi acted inappropriately by not making me " whole '' by reinstating the charges and action to remedy the distress and problems created for my daughter and I. Citi should fix these problems and provide appropriate remedies. 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 2021-10-15 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and inconsistent things on my credit report to this day over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items from my credit report, it has been over 60 days so they should be deleting promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused they cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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:
Equifax is reporting via 3rd Party ( reported to be XXXX ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XXXX, XXXX. I contested this reporting directly with Equifax in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( XXXX ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with XXXX after being told this was the reporting 3rd Party by Equifax. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. XXXX then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting to Equifax and included the document ( attached ) from XXXX stating that the Bankruptcy filing had been removed from my file with them. Equifax as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as XXXX themselves verified in writing that the informati on had been removed from their files just two weeks earlier. In addition the Federal Bankruptcy Clerk of Court as p er US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account CREDIT MANAGEMENT is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MI

Complaint narrative:
I went thru a bankruptcy and these loans were discharged and they have never stopped billing and collecting from me. This has been a hardship financially for me for YEARS. Please talk to the PHEAA for me and have them honor the bankruptcy from 2007!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: LEXISNEXIS
State: NC

Complaint narrative:
XXXX is reporting via 3rd Party ( reported to be LexisNexis ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XX/XX/XXXX. I contested this reporting directly with XXXX in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( LexisNexis ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with LexisNexis after being told this was the reporting 3rd Party by XXXX. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. LexisNexis then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting to XXXX and included the document ( attached ) from LexisNexis stating that the Bankruptcy filing had been removed from my file with them. XXXX as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as LexisNexis themselves verified in writing that the information had been removed from their files just two weeks earlier. 

In addition the Federal Bankruptcy Clerk of Court as per US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ACCOUNT RESOLUTION SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/19 Balance {$2200.00} ACCOUNT RESOLUTION SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/19 Balance {$1400.00}

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 2021-10-15 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: I.C. System, Inc.
State: LA

Complaint narrative:
Disputed Acct # XXXX balance of {$3400.00} about a year ago and it is still in dispute status

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Revenue Corporation
State: LA

Complaint narrative:
Disputed Acct # XXXX balance of {$3400.00} about a year ago and it is still in dispute status

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I used my Discover credit card to purchase various in game items for an XXXX game. However, the game developer restricted my access to the account I used to play with and is not responding to any communication when trying to resolve the issue. I no longer have access to anything I paid for in the game. I tried to give Discover a call to dispute the transactions but there are so many charges they asked me to fax them a list. I am not sure how to fax so I am hoping I could deliver the list via CFPB and have Discover take care of the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/2021 I saw a transfer of {$320.00} on my checking account with no explanation of the transfer. I then called the bank, Navy Federal, to inquire about the transfer and the rep informed me that it was transferred to a credit card. She stated that I, the consumer owe this alleged debt, stating that it was in an agreement that I am not aware of. I did not authorize of expressly authorize any amount to be transferred to any alleged debt they are stating that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
Disputed Acct # XXXX balance of {$3400.00} about a year ago and it is still in dispute status

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 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX RE : CBE Group Churning Consumers Credit Reports This is regarding an issue with CBE Group and what appears to be a deceptive tactic of churning consumers credit reporting while ignoring requests to provide backup or even original invoices of their claim. 

It appears that there is a systemic tactic CBE Group engages in through the following experience : 1. The noted collection company issues a claim that shows on my credit report in XXXX. 
2. I believe most consumers pay the trivial amount chalking it up to an oversight, however, in my case the claim was over {$1700.00} so I disputed the claim, requested backup details from the collection company, requested backup details from the creditor. 
4. I receive no response as expected since there were no dealings with the creditor for literally years further believing the claim is suspect. 
5. However, I am somewhat satisfied when the claim subsequently dropped from the my credit report in XXXX. 
6. Approximately 90 days later, in the spring of XXXX a new claim appears with the suspect date of the previous month. It is with the same creditor as in XXXX and is presented by CBE Group with an original date less than 30 days prior to their posting on my credit report. The amount appears to be slightly different than the one addressed 90 days prior. 
7. I disputed this claim as I did the first one, requested backup details from the collection company, and requested backup details from the creditor. 
8. Again, I receive no response as expected since there were no dealings with the creditor within the previous year. 
9. Again, I am somewhat satisfied when the claim subsequently dropped from my credit report in spring XXXX. 
10. CBE Group has deployed this process on me personally now for the third time this year as recently as XXXX, XXXX showing a new claim on my credit report while Ive disputed this since the fall of XXXX. 
11. The tactic shortcuts their having to provide any details or backup information on the debt and by refreshing the claim dates they are churning my credit report which likely takes much less effort. 

This process for me is approaching 2 years while they are presenting it as a last month occurrence. 

This could be explained away as an oversight or clerical error. However, the fact that theyve deployed this process three times this year shows its more than a one off occurrence and more of a systemic tactic deployed to deceive the credit reporting agencies at the expense of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have a banana republic credit card where I incurred a late fee for the balance on the bill of {$5.00} back in XX/XX/2020. The company reversed this late fee for me ; however, it is showing on my credit as a late payment which is hurting my credit I spoke with the company and they have not yet helped to resolve this for me. 

As someone who is in their 20s and previously uneducated on credit, I now understand how important prompt payment is in this matter and this will not let this happen again.I have been extremely diligent since then to ensure all bills are paid on time. 

I completely take responsibility for my naivety and promise in my maturity to move forward with financial competence.

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 2021-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX  N. Per FCRA, reporting must be 100 % accurate or the information must be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TN

Complaint narrative:
Account Name : XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2400.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$730.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$450.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$350.00} This is a formal complaint against all three credit bureaus, ( XXXX, XXXX, and TransUnion ) located in XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX, PA XXXX - XXXX ( TransUnion ), XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, XXXX, and TransUnion have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX XXXX I have contacted CAPITAL ONE to inform them of violating my consumer rights as I have never been told I have the right to rescind my contract, never have they explained that the finance charge is the sum of all charges 15 USC 1605 also no cash comparable in a consumer credit transaction.15 USC 1602 ( p ) defined credit card mean any card plate coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. I extended credit to XXXX and I the natural person and cardholder received no benefit. XXXX practiced unauthorized use of my credit card pursuant to section 1643 of this title means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority such as use and which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card XXXX is under the truth and lending act, which states that I am only responsible for the finance charge. This contract is VOID AND NULL no further payment is to be made on this BREACH CONTRACT!

Company response to consumer: Closed with explanation