vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Every 2 weeks I deposit my payroll check. XX/XX/XXXX I was encouraged to use the mobile deposit application. XX/XX/XXXX I mobile deposited my check as normal through the mobile app. XX/XX/XXXX the bank removed my payroll check claiming they had a check with the date of XX/XX/XXXX submitted by me with the same check number as the XX/XX/XXXX check. I told them I have never deposited any checks other than my payroll checks every other Wednesday. After doing my own research, I found the XX/XX/XXXX check they said I deposited is a poor copy of the XX/XX/XXXX. If you zoom in on the check they say I fraudulently deposited you can clearly see the XXXX  where it appears the be a XXXX. They have illegally removed funds from my account multiple times leaving me with insufficient funds for credit card payments and other bill pay items. My credit has dropped and they treat us like criminals when we enter the branch. Please help. This is the 6th time I've physically entered the branch to resolve this issue. I've spent at least 40 hours on the phone with bank representatives and have had over 50 text conversatIons with the mobile application agents. They say they messed up and then they credit my account then 3 days later the remove the funds.

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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: OH

Complaint narrative:
I did not have a the opportunity to dispute the following accounts : ASSOC CREDIT SERVICES : XXXX XXXX XXXX  : XXXX Also, I have sent certified mail requesting validation of debt and method validation. 

This is response should have been delivered within 15 days and it have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: ID Analytics, Inc.
State: WI

Complaint narrative:
Sagestream LLC refuses to release a copy of my report so I can address the inaccuracies within.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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'd like to remove my fraud alert and freeze from my credit because I'd like to activate utilities in my house but they need to run my credit and they say it's block, Please remove my extended fraud alert. 
I have been trying to contact you by phone but it is so hart to get through. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XX/XX/2016 {$1500.00} This account is an result of identity theft please investigate. I have reached out to this company several times and has gotten the run around.This account has caused me financial devastation

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 2020-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The account Portfolio Recovery stated that if the debt was paid that it would be taken off all three credit bureaus. This still remains on all three credit files and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank is reporting an erroneous account on my credit reports with XXXX, XXXX, and XXXX  that does not belong to me. I have attempted to resolve this issue but Barclays has refused to send me the validation necessary for leaving it on my credit reports,. 

BRCLYSBANKDE 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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I sent request for validation of debt and method of verification MIDLAND FUNDING : XXXX They have never sent any information support this debt and it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
citizen One Home Loans incorrectly reported my XXXX mortage payment as late when they, in fact, had the payment and posted to a suspense account. They then reported my mortgage payment as 30 days past due to the credit bureaus. I have contacted them every workday since XX/XX/XXXX, when they had they payment and recognized they did, but they can't fix their system. It continues to show the mortgage as 30 days past due. 
From what this looks like it is a systems prblem as everyone I tak to at the bank says it is not late, bu they can't fix it they need to wait for the system to work through it. Meanwhile every other creditor we deal with is getting nervous and contacting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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'd like to remove my fraud alert and freeze from my credit because I'd like to activate utilities in my house but they need to run my credit and they say it's block, Please remove my extended fraud alert. 
I have been trying to contact you by phone but it is so hart to get through. 

Thank you.

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 2020-06-19 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'd like to remove my fraud alert and freeze from my credit because I'd like to activate utilities in my house but they need to run my credit and they say it's block, Please remove my extended fraud alert. 
I have been trying to contact you by phone but it is so hart to get through. 

Thank you.

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 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I had saw in my checking account that {$3300.00} was transferred from my primary bank ( first National ) to a bank I dont have an account open for ( XXXX XXXX  ). This was done on XX/XX/XXXX. I went ahead and contacted first national and filed a complaint directly through them. Im currently ( XX/XX/XXXX ) waiting for the paper work from them to complete the complaint process. This is also the second time in two months that unauthorized payments have been taken directly from account. Im not sure if my identity has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
i purchased XXXX XXXX XXXX from dealer in XXXX and was told I had to take a loan and I could pay off within next 30 days. 
When I attempted to pay the loan I was told i could only pay {$2000.00} a month toward loan. I made many attempts online to make full payment but chrysler finance online will not allow it. 
I called and did not get any response. Finally chrysler told me this limitation is to protect fraud. The loan papers i signed did not specify {$2000.00} payment limitation per payment. I have paid off loan last month since it was about {$10000.00} in {$2000.00} increments. I have not paid intrest of {$100.00}. 
Chrysler is now threatening to report me to credit bureau and not release title. Due to covid Chryler does not answer phone and fails to provide contract copy..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been notified that an account in my name ( XXXX XXXX ) was open on XX/XX/13. That account has since been charged off with a balance of {$1600.00} via a 1099c. I have requested validation and verification frequently that was always responded to with nothing or statements that included little to no additional information. This debt is almost 7 years old and has caused me now to have my taxes garnished and ammended to include this subsequent " income '' after disputing its validity to no avail and paying the necessary taxes, This account still appears in multiple places on my credit profile as a debt that is owed and being collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: WI

Complaint narrative:
XXXX XXXX refuses to release a copy of my report so I can address the inaccuracies within.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: WI

Complaint narrative:
Experian refuses to delete inaccurate information. Has affected me for over 5 years. I want to discuss my options as far as suing.

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 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover is reporting a debt that does not belong to me. I have attempted to dispute with XXXX, XXXX, and XXXX  and Discover has refused to send me the validation necessary to leave it on the credit reports. 

DISCOVERBANK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please update my credit report with the letter from company to fulfill the request for DELETION

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 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently disputed some debit in Experian  because I have no knowledge about the charges Which I did the same for the other 2 credit XXXX XXXX and XXXX   and they removed what in my credit but not Experian  which prevent me from refinancing my home and getting high interest rat for my 2 car loan

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 2020-06-19 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Narrative of situation : BOA sent me a bill for a {$600.00} BOA check, Fall 2019, that I did not write. The card had been pd off and unused for quite some time. I turned this bogus charge in to their fraud dept who deemed it my responsibility although the check was cashed at a XXXX XXXX without identification and was signed by a XXXX XXXX without identification. The signature of my name does not resemble my handwriting. The endorsement signature on the back of the check has my name misspelled. I have filed a police report, a federal complaint about BOA and their disregard of the Fair Credit Act. 
BOA has persistently/monthly filed this on my credit report to pressure me to pay it which I will not. My wonderful credit score plummeted 200 points due to these BOA reports, costing me EIDL loans from the SBA needed for my businesses during the COVID disaster. The damage done to me through the negligence of BOA is irreparable. 
This card is in my name and we have filed dispute charges with it. Cashier checks were never requested by me. This company can not keep their customers secure and safe and refuses to support them. 
I currently have only one credit card in use for my personal affairs. It is a Mastercard through our Credit Union where we have banked for 35 years.

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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
XX/XX/2020 I received a letter from Gulf Coast Collection on behalf of XXXX Hospital XXXX XXXX in the amount of XXXX. I had XXXX XXXX XXXX  XXXX draft up a letter on XX/XX/2020 formally disputing the debt and required more information. -I asked for the name and address of the creditor, and the amount owed. 
- If the debt started with a different creditor, to provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. 
-I asked for them to provide verification and documentation that there is valid basis for claiming that I was required to pay the debt to the current creditor. 
-A copy of the last billing statement to me by the original creditor. 
- state the amount of the debt and when Gulf Coast obtained it, and when that was. If there had been any additional interest, fees or charges added since the last billing statement. Explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
- if there have been any payments or other reductions since the last billing statement from the original creditor, providing an itemization showing the dates and amount of each of them. 
- If there had been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount Gulf Coast is trying to collect. Explain how the amount was calculated. 
- State when the creditor claims the debt became due. 
- Provide the date of Gulf Coast 's Florida license, the name of the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
We requested a response within 15 business days but then the COVID-19 pandemic happened and we understood if they needed a little more time. Pushing forward almost four months have passed and we still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please update my credit report with the letter from company to fulfill the request for DELETION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: MO

Complaint narrative:
Sent information about XXXX and Reliant Capital Solutions validation of debt responses. 

Made, I believe two errors, " Scholl '' and " XX/XX/XXXX '' ... I did not proofread before submitting, but not only standby the statement as I assume it still clarifies my point about a document signed by someone other than myself. 

The " Scholl '' error should read as " School '' and the " XX/XX/XXXX '' should reflect " XX/XX/XXXX ''. Either way the structure and grammar was used is still foundational and valid towards the point of being on campus to sign a document in XXXX regarding a XXXX XXXX dollar debt. 

First validation effort had a thirty day window to resolve and extra time was given nonverbally due to COVID crisis. RCS requested validation of debt and it at first was not mailed to consumer at all, but also did not get addressed in full until XX/XX/XXXX. 

Third validation off debt attempt provides supportive documentation regarding document, stated to be signed in person by the natural person, " Promissory Note '' in excess of four thousand dollars, yet school records indicate no agreement by consumer and school to resolve matters in person and additional documents can support alibi of geographic location during the time of this document being possiblely forged ( please review bank statement ) RCS states they sent a letter in snail mail regarding validation of debt and nothing has come in the snail mail ever from RCS to XXXX XXXX XXXX and if so, it didnt reach me ... even with a dedicated mailroom and leasing office available for snail mail pickup. First time seeing any itemized statement is XX/XX/XXXX. 

No written agreement for removal of debt for payment arrangements has been tangibly made as of XX/XX/XXXX even though both accountszhould be deleted per both FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
XX/XX/2019-I filed a loan modification because my mortgage went up about XXXX extra a month. ( XXXX a month ) I was put on a loan modification, which put a 2nd lien on my mortgage if XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN HAS RELISTED ACCOUNTS THAT WAS REMOVED FROM MY CREDIT REPORT THESE ACCOUNTS ARE FRAUDULENT ACCOUNTS THAT WAS NEVER OPENED BY ME IN THE FIRST

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 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OR

Complaint narrative:
On XX/XX/2020 i initiated a money transfer via Moneygrams app which I have done before to my father in the amount of {$2900.00}. We did not know my fathers account has a credit cap if {$2500.00} so his financial institution rejected the credit to his account twice ( verified with them ). I called moneygram to receive and refund and they have stated the past 5 times I have called that they are u able to process it and it will take up to 30 days HOLDING my {$2900.00} money in limbo ( making interest off it ) and not give me any information on such a straight forward refund. It would take their team a simple phone call to verify the bank rejected the money to be able to refund it back to me. I need that money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a checking and saving account with Chase early XXXX. I received a letter less than a week later stating they where going to close the account with no reason given. Then they are holding the {$16000.00} I deposited. They refused to send my funds and said I would need to wait for a check to be mailed which takes up to 2 weeks. I told them I needed my funds today XX/XX/XXXX. I've spoken to 5 different reps and the executive office. They opened an investigation but I need my funds now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Citibank offered me another card with 0 % APR for 21 months on balance transfers and 12 months on purchases. I have an existing Citibank Card XXXX XXXX XXXX XXXX with a XXXX  balance and credit limit of {$13000.00}. The new card with the promotion only has a credit limit of {$1000.00}. I contacted Citibank to have them match the other card 's credit limit or move the promotion from card ending XXXX to card ending XXXX. They refused to do anything.

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