vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I got a CC from CitiBank in XXXX of this year. I tried setting up a couple payments before I even had a due date, and because of that they closed my entire account. Made no sense. And it's now effecting my credit.

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 2021-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: New Era Asset Management, LLC
State: NC

Complaint narrative:
New Era Assets has called my work and family members for a debt that I have paid on from another collector

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Commencing on XX/XX/2017, I fell victim to a multilayered scam operation orchestrated by a Private Investor named XXXX XXXX. The equivalent of 12.4 BTC ( XXXX GBP ) utilizing Kraken. I have done my own investigations and also found that the scammer used XXXX as a beneficiary of my cryptocurrencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: GA

Complaint narrative:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: KEYCORP
State: CA

Complaint narrative:
This is a follow up complaint to : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 KeyBank claimed in their resposne that they have resolved this, but my money has still not been returned. I have called the branch several times since the problem has been resolved, but they refused to talk to me. They made it clear that someone from KeyBank would be reaching out to help rectify, but it has been another month and nothing. I am at loss. The company is simply refusing to return the ~ {$XXXX}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/XXXX i received an ach deposit to an closed account with chase bank i called XX/XX/XXXX to have the funds rerouted to my open account I was instructed by chase specialist over the phone to go into a branch and verify my identity so the funds can be rerouted. I go in the chase bank in XXXX, Mi on XXXX XXXX XXXX and they tell me I have to wait XXXX days before I even know what they are gon na do with the funds.No one at the chase branch or the customer service over the phone can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: PNC Bank N.A.
State: PA

Complaint narrative:
Someone opened a fraudulent credit card using my identity with PNC Bank. PNC opened the account with a {$XXXX} limit. Person charged {$XXXX} paid a few times and then stopped paying. PNC contacted me and I told them I did not open PNC account. Asked them to give me information on how account was opened ( online, paper submission ) and how who had been paying account. They never supplied me this information and instead charged off account. Now shows as a charge off on credit reports and I want PNC to remove. It shows as fraudulent on my credit report and also report shows my name twice, once correct and another with n XXXX middle initial that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
To Whom It May Concern ; This to file a complaint to XXXX XXXX Apartment located in XXXX XXXX XXXX XXXX CA XXXX, this an apartment facility where we leave for a year from XX/XX/XXXX to XX/XX/XXXX. I have all copy of all the payments that i made thru my XXXX XXXX checking account as a proof that i am paying my monthly apartment rental since start to the end of my contract on XX/XX/XXXX. 

Last XXXX months ago, I received a call from Genesis Collection agency advising me that i have a debt or unpaid bills from XXXX XXXX Apartments amounting to {$XXXX}, this is unpaid mortgage rentals from XX/XX/XXXX to XX/XX/XXXX at first I thought that it was a prank or sort of prank calls that wanted my Name and my personal information but when I double check it thru my credit karma account and XXXX, the Collection agency was on my account as well as my credit score abruptly affected on this credit reporting. 

Since last month I tried calling the XXXX XXXX apartment but they are not cooperative and insisting that I am responsible for the debt. I am explaining to them that how that possible for me to rent an apartment in XXXX XXXX while I am working in XXXX XXXX since XX/XX/XXXX to present and left the XXXX XXXX Apartment on XX/XX/XXXX. 

I called the Corporate office of the XXXX XXXX XXXX but I had the same treatment with no cooperation at their side they advise me to call collections agency and to pay for the debt amounting to {$XXXX}. I think that this Apartment Facility, XXXX XXXX didnt ask any documentation from the renters who replaced us when we finished our contracts, they asked the new tenants to use our personal information to rent the apartment, since the new Manager XXXX told me over the phone that they used the same XXXX XXXX and always pays cash every month and issued a receipt to the tenants under my name, and I saw to from the letter from the collection agency my name and the full details of the account. 

So I wanted to file a complaint to this Apartment facility to clear my name and i want them to call the collection agency to cancel any collection on my name and also sent a clearance to the Credit bureau to remove delete and clear my name on this debt. 

I want to request for this facility to issue a confirmation letter thru registered mail confirming that i have no obligations moving forward for this debt. 

I want to reiterate for the last time, that I didn't have any idea on this debt since i was residing in XXXX XXXX in XX/XX/XXXX, I am ready to send all proof of documents as per request. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I noticed a monthly service fee charge while reviewing my online banking charges and decided to place a call to XXXX for further information. I spoke with a XXXX agent who advised me that I was receiving this charge because I was not meeting the requirements of the account by maintaining a minimum balance of {$XXXX} or having {$XXXX} deposited into the account. I have been a XXXX customer since XXXX and have never been informed of this. I explained that when I initially opened this account I was advised of a minimum amount of transactions in order to avoid any of these charges. The agent then told me that this changed in XX/XX/XXXX however, the fee was waived for XXXX months. After I again explained my frustrations I was then transferred to " XXXX XXXX '' who told me that this was explained on my bank statement from XX/XX/XXXX that was sent via email. When I questioned why I was not charged last month she stated that the fee was waved for XXXX month which I agreed to and I was given a complimentary waive for last month. This makes absolutely no sense and there are several discrepancies within the information being told to me which I also explained to XXXX while she repeatedly spoke over me again and again. I requested to speak with her superior which she refused and stated thatshe would submit a complaint for me and provided me the complaint number of : XXXX. 

This entire situation with Wells Fargo is extremely unethical and is a display of severe gross misconduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
have BEEN REPEATEDLY trying to stop XXXX and their numerous collection agency from CONSTANTLY posting to my credit report and other various things for almost XXXX years now. The XXXX Internet account I am referencing was also filed here with a complaint due to XXXX and their collection agencies ( numerous ) CONTINUE to claim that this my account. My account ENDED in XXXX of 2018. I was on the phone with the representative and MY ADULT son was on the call. I was no longer living or using the service, in XX/XX/ 2018 we spoke to the rep about taking the account out or my name and closing MY account. My son wanted to keep the service, so they opened a account in HIS NAME. My account was PAID and CURRENT in order for XXXX to be able to do this. Once my account was closed out ( same day ) my son established the service WHICH I HAVE PROVEN TO CFPB and to XXXX MANY TIMES. My son account I PROVIDED the information for and showing that HE MADE ALL PAYMENTS AND STiILL is to this day. XXXX is being FRAUDULENT. They ARE PURPOSELY ignoring the information that I even provided to CFPB and TO THEMSELVES. 

I do not know what kind of game XXXX is playing. I am going to file a complaint for MALICE with the XXXX of FLORIDA for they BLATANT DISREGARD for the truth of the account paid and information on all payments to date even from my son. XXXX and their continued Fraudulent collection claims REPEATEDLY - IGNORING THE PAYMENT INFORMATION IN WRITING PROVIDING IS NEGATIVELY IMPACTING MY CREDIT for over 3 years. I have excellent history other then THIS FALSE NEGATIVE collection account. 

I am preparing a suit against XXXX for XXXX years of NEGATIVE IMPACT to an account THEY FOR A FACT KNOW WAS PAID/ They transferred and I CONTINUED to PROVE MULTIPLE times IS STILL IN MY SONS NAME even as of today and ALL PAYMENTS since XXXX 2018 HAVE BEEN MADE. This is now my XXXX time to try and resolve this matter and NOW XXXX NEEDS TO BE FULLY INVESTIGATED! 

I WILL BE SEEKING DAMAGES to the Fullest extent that the law will allow

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-11-26 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: NY

Complaint narrative:
XXXX, XXXX and Experian are still falsely reporting accounts on my consumer report which is causing me great pain and anguish, I am taking steps to get better sleep but looking at the inaccuracies keeps me up at night. XXXX XXXX Bank has admitted fault and determined the fraudulent remarks and account were furnished in error. My social security card was used and manipulated with no benefit to me.

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 2021-11-26 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: IL

Complaint narrative:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I am 100 % service connected XXXX veteran and XXXX the department of veteran affairs handles and pays 100 % of all my medical bills, yet this collector continues to place negative things on my credit report three times a week sometimes twice a day on three accounts that was approved by the VA, this is willful and deliberately destroying my credit Please cease and assist your destructive practice when you were shown proff the va authorized these medical bills that you listed as a loan stop its not a loan but medical that should not even be reporteted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX & XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: NY

Complaint narrative:
Equifax, XXXX and XXXX are still falsely reporting accounts on my consumer report which is causing me great pain and anguish, I am taking steps to get better sleep but looking at the inaccuracies keeps me up at night. XXXX XXXX Bank has admitted fault and determined the fraudulent remarks and account were furnished in error. My social security card was used and manipulated with no benefit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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:
Creditor did not respond to the investigation within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I have a random debt collection from some company called Caine and Weiner on behalf of some other company XXXX XXXX. I have never heard of either one of these companies and do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: FL

Complaint narrative:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Bureau last XX/XX/XXXX, and still nothing from them. The inaccurate accounts are constantly reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$71.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I took out a Flex Loan with Advance Financial with an initial credit limit of {$1700.00}. The interest rate is 279.5 %. ( Copy attached ) Due to timely payments on my part, my credit limit is now around {$4000.00}. 
I recently developed health problems with my XXXX and XXXX which are preventing me from working. 
I made reduced payment arrangements, but with every payment, the balance of the loan keeps growing, I sent a request to close the account and settle the account for a reduced payoff on XXXX XXXX, XXXX ( copy attached I received an email response back the same day. ( Copy attached ) I called today to check on the request and to verify that the payment was received from my arrangement, and found out that the request had not even been considered yet. 
The lady I talked to sent the request to management who turned it down cold, since We had already made and completed a payment arrangement in XXXX. 
They did allow me to set up another reduced payment, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Creditor did not respond to the investigation within 30 days

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I mailed a notice of rescission and right to cancel transaction to GM Financial and XXXX XXXX XXXX. XXXX XXXX XXXX required a cash down payment as a condition of loan approval in a financed/credit transaction. I revoked power of attorney, rescinded my signature in the transaction and revoked XXXX XXXX XXXX and GM Financial 's security interest in the vehicle.

Company response to consumer: Closed with explanation