vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 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:
I opened this new XXXX XXXX  card issued thru Citi card in XX/XX/XXXX. Statements were set up for online billing and I didnt make this request. I preferred mailed paper statements and complained in XX/XX/XXXX, I was assured that statements would be mailed in the future. This didnt happen and the online bills went to my junk file on my computer. I received a call on XX/XX/XXXX indicating that I was 2 payments behind. I paid my balance in a payment of {$150.00} on XX/XX/XXXX and {$910.00} on XX/XX/XXXX. I was charged late fees of {$39.00} each for 2 billing dates.
I complained that I was promised that I would receive regular bills back in XX/XX/XXXX and they failed to correct my account. 
I filed a dispute against CitiCard on XX/XX/XXXX with XXXX acting on my behalf.

My 1st mailed paper statement was for XX/XX/XXXX for {$1000.00} and that amount had already been paid I spoke with my credit protection provider, XXXX, on XX/XX/XXXX about the problem. She recommended that I try to contact a supervisor at CitiCard and I finally got through to a supervisor on XX/XX/XXXX. 
I was told the problem would likely get cleared up the next week. 
I called CitiCard a couple of more times and could not get any reply. 
Today, I spoke with XXXX  to see if they had anything back from CitiCard regarding our refined dispute. To date, that have not heard any further from CitiCard, nor have I. 
The representative from XXXX  recommended that I file this complaint against Citicard through the FTC.

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall releasing my information to a third party. 1. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until the debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: NV

Complaint narrative:
For 10 years a collection agency, Reliant Capital Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, acting on behalf of the state of XXXX, has been trying to collect unpaid income taxes for XXXX in the state of XXXX. 

I have not lived in the state of XXXX  since XXXX. I have sent this company W-2s from my employers for XXXX showing that I lived and worked here in XXXX XXXX. I have sent this collection agency a letter from the power company showing that service was provided to me throughout XXXX here in XXXX XXXX. I have sent his collection agency paper copies of my power bills in my name at a XXXX XXXX address in XXXX. I have sent this company EVERY SINGLE paycheck stub ( 26 ) showing I was living and working full time here in XXXX  in XXXX. I have sent this company letters of employment verification from my employers during XXXX saying that I was living here in XXXX XXXX. I have sent this company a statement from my pension manager showing they reported me working full time here in XXXX XXXX in XXXX. 

For whatever reason they will not accept any of this documentation or tell me they never received parts of it. I have sent all of these documents to them multiple times ( mail, fax, email ) over the course of 7 years! Now they are trying to garnish my federal tax return. 

This needs to stop. Its getting way past the point of harassment. This has been going on for 10 years!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Had a few unauthorized transactions on account. When I first noticed something it was international charges I called the 1800 # and she asked if I made a purchase From a site frm XXXX XXXX I said yes cause I did and she informed me tht where those charges came from. Next I went to make pay for some in XXXX XXXX realized I didn't have my card on me the young lady informed me I can use XXXX XXXX  which I tried but but couldn't make transactions due to them saying the phone device they had on file was incorrect so I went online to check and saw my account was hooked up to an XXXX which I never owned and at the time I notice the email they had on file wasn't mines either. I was able to change the mobile device online but was instructed to go inside the Branch to change email so I did ... The next day I wake up my account is XXXX I call the 1800 # they told.me to go inside the branch. So I did when I went into the branch she looked into my account and said I wrote check for XXXX and took funds out equaling XXXX which wasnt true I never owned checks. When she printed the check it was from XXXX I never been to XXXX and when I saw the signature on check it wasn't my signature and name was misspelled. I was told to go file a police report which I did and brought back the same day.. it's been since XXXX and I really have gotten any help besides the run around ... I've never been negative and never took large amounts frm the Atm I don't even know why this was allowed without being informed about transactions since these transactions was out the norm for my account ... Nothing as been done and its been since XX/XX/XXXX at Regions Bank .

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 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing has refused to offer us a mortgage modification or any other program to keep our home. They are bent on selling this home that is home to my XXXX minor children. I have been sick and have not been able to earn money. I informed them about it. It will take me time to come up with the funds to make payments. 
I have pleaded with them repeatedly to give me time to make payments or some sort of modification so that I can keep my home. But, they have refused and have sent it to a lawyer for a foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I was reviewing my credit file and noticed on collection account from Receivable Recovery Service dated XX/XX/XXXX. I have attempted to contact the collection agency via certified mail dated XX/XX/XXXX but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall releasing my information to a third party. 1. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until the debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall releasing my information to a third party. 1. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until the debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.

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 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank - XXXX  XXXX Branch XX/XX/2019 I submitted personally a Revocation of POA - POA Agent 's name and information removed from my bank account and bank account access - To reflect the only person left on the account was my name only. 
XXXX Regions Bank- XXXX Branch XXXX XXXX XXXX- allowed the revocated POA- add herself BACK to my account without any notice to me and without my permission. Regions Bank provided an affidavit of Continued Validity to the revocated POA Agent- Which she signed swearing under oath of the continued validity of the POA. 
XXXX Regions Bank XXXX XXXX Branch- XXXX was withdrawn from my account - XXXX Regions Bank - XXXX  XXXX began the investigation on handling this matter and working on getting to the bottom of what happened and what needed to be done moving forward. The Legal Department was contacted and advised the branch on what to tell me - the consumer - this took several weeks. 

XXXX Letter from my home branch, Regions XXXX  XXXX Branch of the details found in the investigation of what transpired and why- I was informed that I would have to file a police report against the POA-Agent - and it was up to me to get money back from the person I had already removed from my account as well as legal Revocation of POA -submitted to the bank as well in XX/XX/XXXX, XXXX This is a violation on Regions Bank for not doing their job protecting my account, allowing an unauthorized agent to be added BACK to my account without my permission or any notification to verify these changes to my account. 

I have filed a police report and have submitted this back to Regions Bank- It is my understanding Regions should be at fault- the XXXX should be reimbursed into my account-and Regions should be filing report against the Fraudulent activity of the Revocated POA and the Regions - XXXX XXXX XXXX Branch employee for allowing this person back onto my account - Please let me know what I need to submit along with this since you request not to submit personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent 3 letters to Equifax requesting an investigation of inaccuracies that appear on my report. On XX/XX/XXXX they sent me a reply stating that they verified the inaccurate accounts but when I disputed again, they sent a letter on XX/XX/XXXX stating that I do not have a credit file. They already have my credit file, so this is also  inaccurate ( see attached ). 

Additionally, I attach both my drivers license and social security card to every letter I send them - preventing/satisfying any need to verify me to search for a credit file they falsely say does not exist. 

Now that their 30 days from the date of my XX/XX/XXXX letter is almost up, they reply saying I have no credit file? They can not refuse to process my dispute with these tactics.

They need to process my dispute by XX/XX/XXXX and throw out their XX/XX/XXXX notice that I do not have a credit file as that is false. I have attached the credit file they sent for proof. If this is not resolved by XX/XX/XXXX they need to delete the negative items I have been disputing since this XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a new complaint. It stems from a prior complaint, number XXXX-XXXX. 

Its against capital one. I originally had a grievance against them. The case has been closed HOWEVER in the the response letter I have received thru CFPB Cap1 has taken the overbearing liberty of reporting my account status as DISPUTED to the bureaus. This wasnt done with my permission. I will attach the letter below. This will prejudice me.

I request Cap1 immediately cease this unauthorized action as this will further damage my FICO score which is why I initiated a dispute in the first place. Further they did not investigate properly. Again I request they do not touch my credit file by initiating a fake dispute with the bureaus. 

I have called the number listed on their response letter XXXX and the automated system just tells me theyre too busy to take my call and hangs up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-11 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
First complaint- I applied for a loan online at https : //www.checkngo.com/apply-now/ on XX/XX/XXXX. I got an email to take my verification documents into the branch on XXXX and XXXX in XXXX Ca. I did so on XX/XX/XXXX. When I get into the branch the teller is asking me application questions all over again. I told her that I had already completed the application online. She stated she needed to ask me the questions again. So she looks at all my documents and then I get a notification from my credit monitoring service that she ran my credit again. I asked her why she did that when my credit was already run on XX/XX/XXXX when I applied online, she stated she had to. I told her I did not give her permission to run it again. 
Second complaint- when the teller entered my banking information for the auto payments she entered the wrong checking account and not the account I specifically told her to take payments from. The first payment came out of an account I did not give them permission to pull from and it overdrew the account, for which I was charged a {$29.00} fee for. 

Third complaint- The account has never been paid 30 days late. But in XXXX XXXX I get a notification that Check N Go/AXCESS FINANCIAL is reporting the account as 30 days late as of XXXX. I called the local branch and spoke with XXXX the manager and was told to contact corporate at XXXX. Corporate had no idea what I was speaking of but took a message and said someone would get back to me. I never heard from them again. Then XX/XX/XXXX, I get another notification saying the account was reported as a charged-off account. I called and spoke to the local branch again and was told they call the district manager about the reporting and get back to me. No call back from anyone. So I disputed the account and the outcome was the status was changed to an open account but they did not correct the payment history. So I disputed it again ; results pending. 

Because of the incorrect reporting, I was not able to apply for a lower interest loan to pay off this unconscionably high-interest loan with Check N Go/AXCESS FINANCIAL, My credit score decreased because of it and they are violating my rights as a consumer in many ways as read in this complaint. They have falsified the notes on my account saying they have called me every day this month and sometimes twice a day when they have only called me twice in the last 30 days. Both times they spoke to me about late payments never about my complaint about their incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: NY

Complaint narrative:
Not my items

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 2020-03-11 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: MoneyLion Inc.
State: MD

Complaint narrative:
I'm reaching out because Money Lion has reported m as being 30, 60, 90 days late on XXXX, XXXX, and XXXX for a payment that never showed in the phone app as being late.. If I was late on a payment or payment didn't go through ; that's the first thing that should show up when I open the app and not only was I not notified but It didn't even show me being late in the app. I spoke with a customer service agent earlier and explained that even if the payment was missed : which it wasn't The next payment was due two weeks after and the payments all come out automatically. Please explain why I would miss a {$20.00} payment that's auto debited on the day I get paid?? Other people have had issues with bugs on the app and I've had issues in the past. My payments should be updated to all of my payments being paid on time because this as a error on the end of moneylion. It's literally $ XXXX {$20.00} - I wouldn't go 90 days and not pay that small payment ; while making payments. I will attach a screenshot that shows all payments being mad eon time within the moneylion app

Company response to consumer: Closed with explanation