vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit file for Citicards CBNA isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I'm a senior and loyalty customer to your ( KOHL 'S ) company. During the pandemic I had been out of town to my sister 's place. After came back to home, I found that your return policy temporarily changed ; from any time to 180 days. I bought the merchandise before the policy change. I had the receipt, but your service associate said the return period was expired and did not honor my return with the payment methods. Instead, she issued the gift card with the year 's lowest price value. The price I paid by credit is US {$64.00}, but you issued store gift card of US {$43.00}. The price I paid by credit card is US {$49.00}, but you issued store gift card of US {$31.00}. I had kept the original receipt with me. 

During the Pandemic, the esteemed company, like XXXX XXXX extended return period to limit the contact. Your company exploited this critical time to sale your store gift cards with high profits. I lost US {$40.00} because your return policy changed without any advance warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I was the victim of identity theft with Citizens One personal loans in XXXX of XXXX ( two different loans ). I did all requested procedures including a Police Report and was told I wouldn't need to pay. I filed a FTC report in XXXX of XXXX to document the incident ( FTC report # XXXX ). My credit has been frozen since XX/XX/XXXX. The only way for an account to be opened up with my information is for me to unfreeze all XXXX credit bureaus. 
On XX/XX/XXXX I received the same letters from Citizens One saying they have not received my payments. One letter sent to my house, the other sent to my mothers ( I have not lived with my mom in 20 years ). 

The accounts are : loan # XXXX loan # XXXX I have made many attempts to contact Citizens One using the phone number sent on collection letter. I have never spoken to anyone but get put on hold. I have waited for over 30min before Citizens One hangs up the phone. I have also called the fraud line number that I received last year and the number is no longer in service.

My complaint is three fold : 1. These account have should have been closed last year and flagged by their fraud department.

2. Nobody should have been able to open an account in my name because my credit is both frozen and flagged as fraud.

3. I have been unable to contact anyone at Citizens One regarding this matter. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TX

Complaint narrative:
Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXXXXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX XXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names are not mine, FCRA violation XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY all the above are incorrect, CPRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: MD

Complaint narrative:
Equifax Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and has previously been removed and reinserted in violation to FCRA. 

XX/XX/2017, Equifax Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations confirmed with the State of Maryland Division of Financial Regulation, Ms. XXXX XXXX as well as Consumer Protection Bureau via complaint filed, the tradeline, XXXX XXXX XXXX Acct # XXXX removed. 

Since this tradeline has been reinserted with additional fraudulent information in violation of FCRA. Moreover, the reinserted tradeline dates have been changed for the purpose of extension of retention and asserted delinquency. 

Consumer asserts this has been a systematic behavior and violation of consumer 's FCRA rights. This appears to remain an oppressive irresponsible tactic targeted towards consumers, derogating their financial face of consumers and limiting job opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
A follow up to my existing case with Chase bank I have still not received the receipt of wire that has been requested on at least 5 occasions from Chase. I subsequently found out that the account the wire went to was a fraudulent company and i made Chase aware of this over a week ago. The XXXX bank in question will not discuss the matter with me as I am a third party and Chase as my financial institution are the only ones able to address this on my behalf. I have spent hours on the phone, at the branch and writing secure messages and i have still not had one person contact me about the fraud or even been able to by given a department, number or person who I can talk to, to take action. I have spoken to at least 20 people who each refer me to another department where I am always told it is not them. I have asked for a clear copy of the process that supports the handling of such issues and no-one can provide this. I'm sick of being lied to and passed off and I am talking to attorneys to decide who I will use to sue Chase for dereliction of duty and gross incomitance. Note that the FBI are involved in the case. 
Every call I make I hear the words ' We appreciate your business and value the opportunity to serve you '. A complete lie as no-one is serving me! Who is vetting and auditing Chase bank processes and systems to ensure that they are robust and effectively support the services they are selling?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have reached out to Bank of America a few times to get this account taken care of. I have sent numerous letters to them asking them to clarify what I owe in writing and haven't received anything ever.

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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Link Management, LLC
State: FL

Complaint narrative:
Capital Link Management LLC sent a text message to phone numbers I never supplied the original company exact amounts of debt alleged and payoff options. This was sent to Family and friends. This was a debt where the card was compromised and used for online purchases that were not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/2020, my car was stolen. I reported it stolen to the police & have been trying to obtain the police report since. I have let Santander and my gap insurance know this. XXXX has payed {$10000.00}, their portion toward the car. The gap insurance says that they need the police report to pay for the other {$4000.00} ; however, before I could get the police report the car was placed negatively on my credit. I have been trying to obtain a police report, but due to Covid, XXXX City Hall is closed. The gap insurance refuses to take the information to obtain the police report themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
My Mortgage company set a property foreclosure sale for my property. My husband recently passed I am presently in processing for mortgage assistance with my mortgage company. I requested a forbearance because I had been affected by Covid-19. My mortgage company is giving me a hard time even though President Biden has signed and executive order for foreclosures to be put on hold. My property is set for foreclosure sale XXXX I need Help, I'm a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/2021 my XXXX year old mother 's {$600.00} stimulus check was deposited to the wrong account. Instead of being put into my mothers account it was deposited into my deceased father 's Veterans Pension account. 

My mother has NO connection to this account. Her name is not on it nor is her social security number associated with it. 

I contacted the bank. They acknowledge it is in the wrong account, but they will not put it in the correct account or return the funds to the IRS so my mother can receive her stimulus payment because my late father 's account is overdrawn. They are stealing my mother 's money trying to make up for the loss on an account my mother has no connection to!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: MI

Complaint narrative:
On XX/XX/2021 my Experian online account was hacked and the personal information was changed, I was locked out of my account. I called Experian and got my information changed back to my information and supposedly put a freeze on the account. My SS number was stolen and one of the accounts on my Experian credit report was contacted by this hacker. 

One week later, on XX/XX/2021, my Experian online account was hacked by the same person ( I know this because the email address used and all the information changed was the same as last week ) and I was once again locked out. I called Experian again and got control of my account by changing all the information for a second time. 

The Experian account, in my opinion, is being hacked into by someone related to Experian, or from within Experian. My password was a 20 digit randomized password and no one has access to this information. I fully expect to go through this again next week. I believe my SS number was stolen from the Experian account only after the account was accessed.

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 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
I asked them verbally and written notice to provide me with signatures and medical information to determine that the debt was mine. It has been more than 30 days and still no response. I would like for them to remove this collection off my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: SC

Complaint narrative:
I have a Security Freeze at Equifax. I have tried 4 times to lift it. All I get is a message : We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details. 

This temporarily has been going on for months. I can get my current Equifax Credit Report but I can not get it to lift the security freeze on its website. Followed instructions : " Please give us a call. We can't complete your request at this time. 
Please call the Customer Care team XXXX '' Have tried this 3 times to no avail. I input all of the required info it requests straight from my Equifax credit report. Get to the end and get a recording : Im sorry we cant help you. No reason. Once I got a live rep who could barely speak English. Same response. Im sorry we cant help you. No reason. '' Sent required info my mail. No response. No action, No lift. I can not get a new credit card from XXXX because of this. 

Sending copies of my Drivers License & W2 statements w my SSN by mail or fax is totally insecure but I have done it in order to get a security freeze lifted. Still has not been lifted. 

I am able to get my security freeze lifted at XXXX  and XXXX over the internet with ease any time I want. But not at Equifax. 

But that does not help me w any company that uses Equifax to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Each Account is in the document attached to the complaint I demand that the following account be verified or removed immediately :

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 2021-03-05 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: TX

Complaint narrative:
Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX  XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX XXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names are not mine, FCRA violation XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY all the above are incorrect, CPRA violation

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 2021-03-05 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I keep getting a call about them delivery documents to me or my place of employment. The credit card company no longer exist Salute. I was told that I owe them about XXXX back in XX/XX/2021. This over 18 years old. XXXX XXXX stated if they can not give me the documents it will be reported to the company as a refusal. No company name is given only a phone number XXXX. She said that she was with a courier service no name given of the service she is with. The call shows up as unknown or no caller ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation