vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ data International didnt purchase collection account they are just trying to collect. I dont have a contract with this collection agency. The original creditor is closed indefinitely and they charged off the account and filed it as a loss on their taxes. The contract IQ data so call has is null and void. IQ data needs to provide more reliable information than a bill summary to prove this fraudulent collection on my credit file. The original creditor is closed down theres no way to contact the original company due to them bring closed down. IQ data has yet to provide sufficient information they need more documentation instead of trying to provide fraudulent information from a company thats no longer in business to acknowledge the fraudulent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13 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: TX

Complaint narrative:
I retained copies of my credit reports in XXXX and noticed that XXXX XXXX XXXX placed a collection on Experian credit report in which XXXX claimed that I owe {$320.00}. I immediately disputed this item with Experian and XXXX as I have never done business with XXXX XXXX XXXX before. I requested that XXXX provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately, but XXXX was unable to do that. Over the years, XXXX has tormented me by calling and sending letters harassing me about this collection. This year XXXX, per the advice of my attorney, I sent XXXX XXXX XXXX and Experian a letter requesting removal of this item from my credit report because this Item was placed on my credit report on XX/XX/XXXX and according to FDCPA and Texas Finance Code Chapter 392 ( Debt Collection Statutes ) - The Texas Statute of Limitation for Debt Collection is four 4 years ; meaning XX/XX/XXXX made it 4 years. Texas is my home State. And Ive formally requested that XXXX XXXX XXXX and Experian remove this item from my credit reports by sending a certified return receipt letter to Experian and XXXX. But Experian has yet to remove this Item. I have maintained a careful record of my communications with Experian for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should Experian not remove this account from my Experian credit reports. 
I have reminded Experian and XXXX XXXX XXXX that they will be liable for willful non-compliance as per Texas Finance Code Chapter 392 ( Debt Collection Statutes ) and the FDCPA. Failure of Experian to remove this account from my credit report will result in a small claims action against Experian in a Texas court. I will be seeking {$10000.00} in damages for the following : 1. ) Violation of The Texas Finance Code Chapter 392 ( Debt Collection Statutes ) The Texas Statute of Limitation for Debt Collection.

2. ) Violation of the Fair Credit Reporting Act 3. ) Emotional Distress Experian will be required to appear in a court venue local to me in Texas. 
Sincerely, 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 2020-06-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
After over 9 months of trying to locate a way to view my bill for my Synchrony Bank issued XXXX XXXX, I have had no success. I have talked to over 7 different representatives who claimed they would fix this, which was never resolved. The company sends emails and texts saying that it will allow you to link the card to your XXXX account, however after 6 months of research I discovered that XXXX actually has NO association with this card or bank, and the card can not be added. Each time I made a complaint they resend the same text messages and emails which provided ZERO results. I have been lied to, lead on, and am having to pay a credit card bill which I have NOT ONCE seen an actual bill for. I had ordered a product many months ago which I never received, I was unable to provide a receipt for this purchase due to the fraudulent company and therefore had to forfeit the product which I paid for. This is absolutely ridiculous and after nearly a year I don't know where else to turn.

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 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited over {$52000.00}. In Chase Cashiers checks and they are refusing to give me my money although my address and Identification have not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXXE, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
hi, i made 2 mortgage payments on XX/XX/2020 at local branch of 5th/3rd bank i have had the same problem at this branch 5-6 years ago. i paid with 2 separate checks and submitted 2 separate monthly statements. ( accts # XXXX and XXXX ) the one acct was credited twice and the other acct shows a missed payment!!!! i went to branch and the clerk the made the mistake said he couldn't do anything but would send the info off to who knows where.anyway 3 weeks later i am getting collection calls and i got some email alert about my credit score NO FOLLOW UP, NO SORRY FOR MIX UP, LATE FEES YOU BET WHAT A bank i hope to here from cfpb. what we need is a bigger and stronger CFPB not smaller thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Global Lending Services LLC
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my file. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NC

Complaint narrative:
There are items on my report that are not mine. Ive sent a dispute and lawsuit is next.

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 2020-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Doctors Business Bur/XXXX XXXX XXXX XXXX have posted 13 accounts of {$30.00} each in my credit report dating back to 2014. I have sent pay to delete letters offering to make payment arrangements with the agreement that the account be 'Totally Removed ' from all credit reporting agencies. In other words, I asked that they do not simply show as Paid, but instead completely removed. The company has not responded. A sample of the letter has been attached. 

BTW, I never understood why the accounts existed. {$30.00} is what my copay was in every visit and in every visit I paid it in full. So I don't understand the charges and was never explained why I was double charged. I have XXXX as a medical provider.

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 2020-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This company is attempting to re-age a previous medical collection account that they purchased on the secondary market. The original medical debt was disputed due to improper insurance billing on the providers part. The provider failed to correctly collect payment from my health insurance and then sent my account to collections where it has been bought and sold for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I XX/XX/XXXX I set up a payment plan with Citi Bank credit card services. I was put on a payment plan of {$160.00} a month to pay back balancedI owed. Every month from XXXX to present day I have made my scheduled payments. In XXXX of 2020 I I check my credit report as usual and found that my score had dropped 42 points because citi reported I late paying {$360.00} that I never was aware I had to pay since I had been paying the {$160.00} every month. I was never notified that I was late or owned more that the agreed amount. I disputed it with XXXX and was told after investigation the could not give me any information and said I had to reach out to citi to discuss what proof they provided to confirm that I was late on payment. I provided XXXX with proof of payment history. After a second dispute the credit report was unchanged and they have recent payments listed at {$0.00} but my balance is around {$2000.00} less than it was in XXXX. I never was asked to pay {$360.00} when I called in to make payments and never received any notices that I was also behind. XXXX also had my account closed as of XXXX and it was closed in XXXX per Citi in order to establish payment agreement.

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 2020-06-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
On Monday XXXX XX/XX/2020, I used my Way2go prepaid card ( provided by Florida unemployment to receive my unemployment funds ) to tried to pay a bill via on the phone and my card was declined. I didnt understand why my card was declined the payment transaction so on Monday evening after several hours waiting on the phone finally Way2go prepaid card answer I explained to the Way2go representative that I was surprised that my card declined when I tried to pay my bill then Way2gXXXX representative told that my card had XXXX valance I said to her how I supone to have money. She said  that on Sunday XXXX my account show a withdrawal but I did not do any withdrawal on Sunday XXXX. Then she said that my card will be cancel and Way2go will sent a new card and sent a claim papers that I have to fill out and sent them back to Way2go. I agree to way the 3 days to receive the claim paper after 8 days I decided to call again to Way2go because I didnt receive the claim paper them the nightmare with Way2go started customer service are so rude and waiting time to answer minimum 2 hours. In a rude way a Way2go representative told that WHAT I think if I believe the claim paper will be at my home in 3 days!! He said that the paper will be in my home in 10 days so I asked if in 10 days I will receive the claim how long will be the process he said around 45 days. To hear that was unpleasant but I had no option that just wait. I receiveD finally the claim papers on XX/XX/XXXX I fill out them and sent by fax I call Way2go today to ask if the got my fax and customer representative say yes then she asked if I did police report and answered to her no because I didnt lost my card or someone stolen my card I have the card with me and I had until now no idea how someone can take money for my card if I didnt loss my card Anyway I told her if Way2go ti need a report police I will go right away to get one even still no understand how or why I suppose to say to the police that I wanted to get a police report because I have my card with me and I thrust way2go to hold my unemployment fund. Now after long day to run to the police department to do the report and got the number report I called again to Way2go to give the police report and after 4 hours waiting to be help on the phone WAY2GO CUSTOMER SER ICE SAID THAT MY CLAIM WAS CLOSED AND WAY2GO DENIED MY CLAIM. How it is posible! I didnt withdrawal any money from my account on that Sunday that Way2go go said. It is something weird I need help please Way2gXXXX suppose to do a investigation they have cameras in ATM machines I didnt do any withdrawal on Sunday XXXX I was at home. Please help me. I trust Way2go because the unemployment sent me the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: TX

Complaint narrative:
I had 4 acts with XXXX XXXX secured credit cards that were paid off after collections filed and I have receipts to prove this. Ive reached out to all 3 major credit reporting agencies and to XXXX XXXX and their collection agency XXXX And no response or one waiting for another using excuses. Ive tried for 3 months. Paid in full.

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 2020-06-13 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX T

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 2020-06-13 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: TX

Complaint narrative:
I had 4 acts with XXXX XXXX secured credit cards that were paid off after collections filed and I have receipts to prove this. Ive reached out to all 3 major credit reporting agencies and to XXXX XXXX and their collection agency XXXX And no response or one waiting for another using excuses. Ive tried for 3 months. Paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had 4 acts with XXXX XXXX secured credit cards that were paid off after collections filed and I have receipts to prove this. Ive reached out to all 3 major credit reporting agencies and to XXXX XXXX and their collection agency XXXX And no response or one waiting for another using excuses. Ive tried for 3 months. Paid in full.

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 2020-06-13 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear, As veteran and XXXX person on fix income and Small business owner and trying to survive Im very disappointed with Citibank, on XXXX XXXX, I made cash Teller deposit to my business account and wrote check from It and deposit it in my personal checking and the fund were removed from the business account and two days later the check was returned NSF so I called small business Citibank and it discovered It was an error credit the fee {$35.00} and transfer the fund back to my checking account and apologized for the it but Citibank the charged additional fee {$12.00} for returned check but they didnt credit It even though the teller made the error and she was the one took the fund from the account and to other I made cash deposit write check from It and deposit to my personal check and everything was authenticate but It seems Citibank violating the FDICs guidelines and It is fraudulent and unethical imaging what they are doing to others consumers and they have to apologize for waisting my time. Citibank withdraws the fund from saving account and transfer It to personal checking.

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