vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
ON MY XX/XX/XXXX RESERVED A RESIDENCE STAY WITH XXXX FOR THE PERIOD JXXXX XXXX XXXX 

DUE TO THE HOG FIRES IN SAME PROXIMITY OF THE RESIDENCE STAY. I CANCELLED RESERVATION. BOTH THE PROPERTY MANAGER AND XXXX ASSURED ME THAT I WOULD BE REFUNDED. 

CITI - THE CREDIT CARD CO. STATES " THE MERCHANT IS NOT WILLING TO ISSUE CREDIT TO MY ACCOUNT ATTACHED IS WEBPAGE CORRESPONDENCE WITH XXXX XXXX PROPERTY MANAGER '' DATED XX/XX/XXXX ATTACHED IS EMAIL WITH XXXX REPRESENTATIVE XXXX DATED XX/XX/XXXX. 

ATTACHED IS LETTER FROM CITI DATED XX/XX/XXXX. 

TOTAL CHARGES {$1700.00}

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 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
Nothing has been done still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identify theft the accounts listed in this doc and the doc attached have been furnished without my consent or my authorization. This has been damaging to my reputation as a consumer and violation of my right to privacy as a consumer.

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 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft, I have provided proof of such to all 3 credit reporting agencies as well as XXXX XXXX. At on point I had three different collection agencies all trying to collect the same debt for XXXX XXXX, and its not even mine!! This account was removed from my credit once but is now back on it!! I have taken every step required of me to settle this yet it still keeps popping back up! What AM i SUPPOSED TO DO? This keeps reapperaing and doing damage to my credit that I'm trying to rebuild after the ID theft. Please help!

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 2021-03-15 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 a victim of identity theft, I have provided proof of such to all 3 credit reporting agencies as well as XXXX XXXX. At on point I had three different collection agencies all trying to collect the same debt for XXXX XXXX, and its not even mine!! This account was removed from my credit once but is now back on it!! I have taken every step required of me to settle this yet it still keeps popping back up! What AM i SUPPOSED TO DO? This keeps reapperaing and doing damage to my credit that I'm trying to rebuild after the ID theft. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 a victim of identity theft, I have provided proof of such to all 3 credit reporting agencies as well as XXXX XXXX. At on point I had three different collection agencies all trying to collect the same debt for XXXX XXXX, and its not even mine!! This account was removed from my credit once but is now back on it!! I have taken every step required of me to settle this yet it still keeps popping back up! What AM i SUPPOSED TO DO? This keeps reapperaing and doing damage to my credit that I'm trying to rebuild after the ID theft. Please help!

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 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: FL

Complaint narrative:
I sent money to the XXXX using WORLD REMIT for a total amount of {$210.00} ( {$1.00} for service fee ). I sent the money on XX/XX/2021. I consistently called WORLD REMIT every single day since XX/XX/XXXX until today XX/XX/XXXX because they have still not transferred the funds to the receiver 's XXXX account which is a company in the XXXX. I also tried to request for cancellation but I got an email stating that they are having a technical issue. They also told me that there is a technical issue with their local partner in the XXXX. However, they are unable to further describe what technical issue they are experiencing. It has been 8 days since I sent the money. 

I tried sending money to the XXXX using a different money remittance company called XXXX and they were able to transfer the money REAL TIME. The receiver got the money through XXXX which is also a company in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Re : Complaint ID XXXX Despite assurance in writing from Specialized Loan Servicing, dated XX/XX/XXXX, that " An escalated manual update to remove negative credit reporting for XX/XX/XXXX and XX/XX/XXXX has been sent to the credit reporting agencies '', Experian still shows us 30 days late on the mortgage Loan No. XXXX. 

This loan was paid in full on XX/XX/XXXX and we were never late on any of our monthly payments. We had excellent credit. The title company, XXXX XXXX XXXX, erred in the payoff process when we sold the property by sending an incorrect payoff amount to XXXX XXXX XXXX. XXXX XXXX XXXX was extremely uncooperative throughout the process of getting that situation rectified. Instead of working with the title company, XXXX XXXX XXXX reported us 90 days late to all three credit reporting agencies. That action has been extremely detrimental to our credit scores. 

Thanks to CFPB, XXXX XXXX XXXX responded to our original complaint. Two of the credit reporting agencies have since removed the negative credit reporting. However, Experian still shows us 30 days late on the mortgage. The negative credit reporting continues to impact our lives. 

This issue has been ongoing since XX/XX/XXXX. We have spent countless hours trying to resolve this matter.

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 2021-03-15 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

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 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave EXPERIAN any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

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 2021-03-15 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

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 2021-03-15 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
My University Accounting Service LLC 's ( " UAS '' ) account number is XXXX. 

On, or about, XX/XX/2021, I mailed my loan cancelation form to UAS. Thereafter, I contacted UAS multiple times to ask for an update regarding my cancelation application and was told, " they have not received my application. '' I kept calling back and finally in XXXX, UAS said they received it. All this time, UAS told me, multiple times, to not make payments as it would backdate my account and make it current. I, also, noted on numerous occasions that I was worried my account would be too delinquent and asked for it to process my loan cancelation application promptly. It refused to do, and it stated that it would make notations to the account that it was still processing my loan cancelation application. 

On XX/XX/2021, XXXX emailed me and said that it needed a " certification of employment '' from my previous employer. Not even 24 hours later, it mailed me a notice saying that it was denying my loan cancelation application because it was incomplete ; it had not given me ample time to send in a response to its XX/XX/2021 email. I sent the " certification of employment '' and asked UAS to confirm receipt ; it never did. And so, I called it to check on the status. During this phone call, I was told that it never received it. I, also, was told -- despite asking for, and never receiving, a clear directive as to what it wanted to be included in the " certification of employment '' -- I need to update my letter to included the fact that I was a full-time employee during my tenure at my previous employment. Apparently, UAS was too bothered to look at my previous submissions of employment to show that I was a full-time employee. 

Putting aside my ever growing rage for the incompetence mill that is UAS, I did all of this and it finally sent me a email confirming receipt of my " certification of employment ''. Again, UAS kept telling me that I need not make payments to my loan because it will backdate my account and I should not worry. Well I am really worried, because its lack of action has real word consequences as I am currently delinquent on my payments and it is showing up on my credit report. 

Moreover, on XX/XX/2021, I received a letter from the loan provider and my XXXX matter, University XXXX XXXX XXXX ( " XXXX '' ). In the letter XXXX, threatens that if I do not bring my account current that it will take negative actions against me. I worry that, even though I am doing what I am supposed to be doing, UAS is going to cause my account to be charged off and XXXX is going to take legal action to collect on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

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 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

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 2021-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
This is not my debt, the belongs to my spouse and no correspondence was mailed to the owner of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
In XXXX of XXXX, I had a fraudulent check to clear my account with XXXX XXXX. It took them exactly 14 days to give me my money back, which threw me further behind, I was paying AF XXXX about XXXX every 2 weeks fir about 9 months and my credit limit was only XXXX, The bank closed my account so that whoever sent the check through wouldnt be able to do it again. I called AF247 to try to set up payment arrangements, I was told I couldnt set up arrangements and I had to just catch my payments up which I couldnt afford to do, I was strong paying them XXXX every pay period. I didnt hear anything else from them until XX/XX/XXXX stating they sold my account to a collection agency and the amount is now almost XXXX, They wouldnt work with me and now they have doubled the amount as if I havent paid them anything, and reported it to the credit bureau. Thats really wrong of them, they wouldnt set up arrangements with me, never tried to continue me, unless they blocked their number and it came accords as spam risk. I sure Im not the only one theyre doing this to, Im willing to pay what I owe, but I know I dont owe nothing close to that, can someone please help me because this is definitely unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My ex friend posted my info on her social media outlets telling all her followers to commit unemployment and PUA fraud. I then started to get inquiries that i do not recognize. I also got a email from XXXX saying some tried to use another account to file my info on XX/XX/XXXX. I had already filed my return on XX/XX/XXXX. Also, I always file my son. Knowing they do not have my son 's info, the account filed without my dependent is fraudulent. The person who posted my info name is XXXX XXXX XXXX, XXXX : XX/XX/XXXX. Her home address is XXXX XXXX XXXX, XXXX, il, XXXX. I tried to go to my local police department but they told me to file a non emergency report online. I have a Macys card inquire and a CitiBank inquire that was not me. If this woman ( XXXX XXXX XXXX ) has your info for any reason report her.

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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened personal checking account with Citibank online on XX/XX/XXXX. I connected my XXXX  XXXX and transfer my {$1800.00} to my Citibank account online. I was trying to login to my account using Citibank online app and Citibank login through the desktop website I was unable to see my account it was just a white blank page. I contacted Citibank on numerous occasions why I couldnt check or login to my account, they said my account was closed but they wouldnt give me a definite reason as to why. They said they closed my Citibank account and theyll send me a check of the remaining balance in my Citibank account today is XX/XX/2021 and I still havent received my {$1800.00} check in the mail.

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 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: FL

Complaint narrative:
This account was previously removed as it was incite and over 7 ears old. Ive NEVER received a notification about this RESOLD debt that is trying to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: FL

Complaint narrative:
This is a resold debt from 2012. This debt is over 7 years old. It was taken off my credit report the first time due to inaccuracies as I worked for XXXX and was not charged the employee rate. The first collection was a different amount. Please remove this very old debt that is over the statue and prevent from attempting a false debt.

Company response to consumer: Closed with explanation