vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a checking and savings account online XX/XX/21 with Citi Bank. I was sent a debit card and checks and issued an online username to access my account. When I went to login and activate my debit card it said my account was blocked. I called Citi and spent hours on the phone and they said they were unable to verify my identity and there is not a Citi Bank close to me. I asked for my funds back that I opened the account with. Never received. Called again 6 weeks later and again never received. Filed a complaint on here and finally received my funds back XX/XX/21. Yesterday I receive 2 emails that my accounts are over drafted and they are charging me {$5.00} for the savings account and {$39.00} for the checking. Called into Citi Bank again and was hung up on. Called back again and the person let me know I needed to speak to the fraud department ( again for the 3rd time now ). She then comes back on the line and says there is a technical issue and I cant be transferred and left me with no resolution whatsoever. I asked to speak to her supervisor and told her this has gone on for 6 months and completely unacceptable! This is traumatizing at this point and has taken up hours of my time for absolutely no reason. Im told the account is closed. They sent me the money back. I can not access anything online and there is no bank. Why am I receiving emails that my accounts are now overdrawn and Im being charged fees? No one from Citi Bank can give me answers and there is not a financial center close 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 monetary relief
Consumer complaint received 2021-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is violating my rights under the Fair Credit Reporting Act, Section 609 They are reporting unrecognized hard inquiries and incorrect account balance information.

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 2021-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am being XXXX with non-stop mail in debt collection requests at my parents house as well as phone calls by several debt collectors. I am under a XXXX XXXX and am deemed XXXX XXXX XXXX and " do not have the right to contract '' this includes taking out any loans or credit cards without my guardians consent. Also, by court order under Florida law this is ordered by a circuit court judge. Any passed debts I owed are now deemed legally obsolete by Florida law under Florida statute XXXX incapacity as I did not know what I was doing at the time of taking out any credit cards and/ or my legal guardian is responsible for paying debts not me. I have tried to reason with the debt collectors and almost all have released the debts while only 2 others remain harassing me and illegally are trying to collect a debt of a deemed adjudicated mentally incapacitated man by court order. The names of the creditors are below. I also had my identity compromised and information is listed on the dark web according to experian credit bureau. I did not open a capital one credit card in XXXX unlike Portfolio Recovery is trying to claim. Regarding XXXXXXXX XXXX that debt is a medical debt responsible for by my health insurance in XXXX. If the creditors do not remove the debt immediately my guardian will sue them for harassing and unfair practices as a debt collector. XXXX XXXX : XX/XX/XXXX - Present. Portfolio Recovery : XX/XX/XXXX - Present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Unauthorized inquiries from experian. Under section 604 you have to provide physical evidence of me authorizing these inquiries. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX must be removed.

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 2021-07-03 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: NY

Complaint narrative:
I have tried everything, I tried everywhere, I still see no results. I am a victim of the Equifax data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: MN

Complaint narrative:
Dispute letters sent out : XX/XX/2021, XX/XX/2021, XX/XX/2021 I've sent letters going back and forth about the items that are listed on my credit report and Experian has continuously disregarded my letters and have came back with so many different responses such as they verified it with the original company, or it has been updated. It is negatively affecting me to the point where I can not obtain new credit at all for anything. I've attached all my documents to reference to that are very clear on my steps to correct my credit reports. There are negative items that are affecting my credit severely. THIS IS MY 3RD COMPLAINT THAT I HAVE SUBMITTED AND EXPERIAN SAYS ONCE AGAIN THERE IS A 3RD PARTY? I WILL TAKE FURTHER ACTION IF THEY CONTINUE TO OVERLOOK MY COMPLAINTS. I'VE HAD ENOUGH AT THIS POINT. I'M NOT GOING TO KEEP PLAYING THIS GAME OF A 3RD PARTY, I AM SUBMITTING THIS ON MY BEHALF AND WHEN I TRIED CALLING YOUR DISPUTE DEPT THEY HUNG UP ON ME AND LATER SAID THEY WERE CLOSED.

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 2021-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have written to Bull City Financial Solutions several times trying to get them to verify the debt collections listed below and they have yet to do so. I have also sent three letters to them form the original creditor stating that these accounts were placed in error and for BCFS to remove them immediately and that to has not happened. Enclosed you will see all of the letters. 

Account # XXXX - {$370.00} XXXX - {$280.00} XXXX - {$370.00} XXXX - {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I filed an dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation results. XXXX is reporting Midland credit as open account, collection and derogatory account at the same time which is in violation of the credit bureaus and my rights. XXXX  is also reporting XXXX and XXXX which has been deleted of XXXX  .I demand the credit bureaus take off everything I didn't authorize. The companies owe me {$3000.00} dollars for violation my rights. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Approximately two weeks ago, I had received correspondence from American Express inviting me to apply for the AMEX Gold Card by XX/XX/2021, and offering me a substantial bonus of points if I did so. I understood this to be a pre-selected pre-qualified card offer, given the bonus points that were being offered. 

I applied for the AMEX Gold Card shortly thereafter but was denied. I applied for the AMEX Plum Card ( which has lower qualification standards than the Gold Card ), but was also denied. A couple of days later, I was sent correspondence stating that the reason my card application was denied was due to risky credit factors ( generally ). 

-- I am asserting that American Express sent a promotional offer/solicitation, for which it had no desire to follow through on. I am summarizing the aforementioned assertion as a 'bait-and-switch '. 
- The general risky credit factors that were AMEX 's reason to deny me the card, were already known to AMEX prior to me filling out the card application. Additionally, I already have an AMEX card ( secured ) ; due to this, American Express already has more details about my credit file than a 'potential customer '. 

-- American Express 's expected rebuttal of 'all credit applications are different ' is also countered, by stating that it is American Express that sent the solicitation to apply for the credit/charge card. It is American Express that pushed an 'urgent deadline ' to receive points, and it is American Express 's mailer/solicitation which did not contain any information indicating that the solicitation was a general-purpose solicitation or that credit was not likely to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: NY

Complaint narrative:
I have tried everything, I tried everywhere, I still see no results. I am a victim of the XXXX data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.

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 2021-07-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried everything, I tried everywhere, I still see no results. I am a victim of the XXXX data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.

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 2021-07-03 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: TN

Complaint narrative:
I tried to submit a dispute letter online to Experian on XX/XX/2021 and today XX/XX/2021 regarding inaccurate information on my Experian Credit file, and they are saying that I can not file a dispute. The inaccurate account listed is XXXX XXXX XXXX ... .this account is not mine and needs to be removed from my credit file immediately! 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Sent my payment check number XXXX for {$790.00} and wrote on memo it was payment and account number. They applied it to my escrow account which they impound with payments and they applied they payment to escrow. I also sent a escrow shortage payment and wrote that on memo and they didn't apply that to anything? Now they state my payment was made on XX/XX/21 when it clearly cleared the bank XX/XX/21. These errors can affect my credit score and they refuse to correct dates.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
You have closed the previous complaint for some reason. You did not comment on my final correspondence to yourself or from me to the company, ( select portfolio ). 
The matter is not closed! They suggested that the matter was closed and you relied on their word? I sent them an additional certified letter and uploaded a copy to you on or around XXXX. It was received and signed for by XXXX XXXX on XXXX, XXXX, XXXX. Their recent response dated XXXX, XXXX, XXXX is a lie. My nresponse to that letter is dated today, XX/XX/XXXX and will hope to be able to upload it to you herein?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Credit inquiries on my report that I do not recognize nor did I authorize. Under section 604 of the credit reporting act you must provide my written authorization for these inquiries which Ive disputed these several times and yet I have gotten nothing off. You guys claim that you have to keep them on my file because theyre a accurate record of companies accessing my credit profile yet that doesnt mean I authorized them to do so. The inquires that are unauthorized were XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.  Ive contacted the above companies regarding the verification of authorization or record of it and they were not able to provide me that information so now Im needing you the credit bureau to now fo your due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
On XX/XX/XXXX I made a subscription change through XXXX XXXX. Which has my First Technology Credit Union Card on file for purchases. Usually there is a hold aka transactions pending for such. Within hours of making the XXXX  account purchase. A full charge as if I used my card with a pin or chip no hold or pending transaction. In the amount of {$11.00}. This threw my account t into an overdraft balance of more than XXXX or XXXX ( the amount that warrants an overdraft charge ). If First Tech would have put the hold ( as required for such a purchase ( CC not debit card ). The transaction for a credit processed through my XXXX XXXX in the amount of {$3.00} would have made my overdraft under the amount and I would not have been charged a overdraft fee.this is not the first time I have had to fight with my credit union. Regarding charges that were processed and should not have been or that didnt warrant a charge. Ex I believe in XXXX during the shutdown a monthly subscription. To a tanning salon processed the monthly payment knowing they were not open. And had a form to request a refund but they were not responding or processeing the refunds. I literally had to fight with First tech inorder for them to reverse the charge and forgive the overdraft! Which I do believe they did not refund me the fees! This is my 2nd account due to them wrongly processing transaction inorder to collect an overdraft fee! Transaction are not processed in the order they are done! Nor are they processed with the correct date of actual transaction made! First Tech does not offer fraud orenco tip To their members!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet is reporting incorrect late payments to my report. I have disputed this item with them via phone and mail. Below I have attached correspondence between myself and Nelnet. The late payments are being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: FL

Complaint narrative:
I have a way 2 go card and got my replacement card in mail i activated it and it gave me my balance online but I could not make any transfers or transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote 2 letters to all 3 major credit bureaus to remove all extended fraud alerts and regular fraud laerts and the companies still have not removed the alerts. I sent the letters in XX/XX/2021 and XX/XX/2021.

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 2021-07-03 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I filed an dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation results. XXXX  is reporting XXXX credit as open account, collection and derogatory account at the same time which is in violation of the credit bureaus and my rights. XXXX  is also reporting XXXX and Portfolio which has been deleted of XXXX  .I demand the credit bureaus take off everything I didn't authorize. The companies owe me {$3000.00} dollars for violation my rights. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote 2 letters to all 3 major credit bureaus to remove all extended fraud alerts and regular fraud laerts and the companies still have not removed the alerts. I sent the letters in XX/XX/2021 and XX/XX/2021.

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 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote 2 letters to all 3 major credit bureaus to remove all extended fraud alerts and regular fraud laerts and the companies still have not removed the alerts. I sent the letters in XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have disputed with all three credit bureaus with regard to GM financial which is an account over 7 years old yet still being reported. With the las dispute they actually reported a date of XX/XX/2021. This is not in accordance with the fair use credit reporting act reference 609. I would like this account removed in accordance to the 7 year statute.

Company response to consumer: Closed with explanation