vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have been unable to log into my account for over a year to make payments or manage any of my personal info on my account. 

I have spoken with support countless times and even received a call from a company representative. I am able to verify my identity on the phone, manage me account via phone, pay my bills via phone, but have been denied access to my online account and am refused a password reset link be sent to my email that is registered on the account. 

This makes account management extremely difficult and I've accumulated fees almost every month this past year. 

I also receive harassing calls from XXXX until XXXX from Citi almost 3 or 4 times a day if my payment is a day past due. 

Citi refuses to send me a password reset link after I've gone through the process of verifying my identity via phone with my SSN and other personally identifiable information such as address, phone number and email.

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 2021-03-13 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: Global Lending Services LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Violation of 15 USC 1692 Validation of a debt ( a ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( c ) *Stop reporting my information to XXXX , XXXX , XXXX whom are 3rd parties. 

15 USC 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub- chapter, a financial institution may not, di- rectly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a no- tice that complies with section 6803 of this title.

( b ) Opt out *Stop/Dont ever again report any information to a credit bureau/3rd party *The securities interest in my contract says the truck was already paid for? Im requesting a G.A.A.P. Audit of the funds loaned to me under this contract. 

Who is the original creditor? 

Respond to my full affidavit that has been sent 2x to Credit Acceptance

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 2021-03-13 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: Penn Credit Corporation
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: NY

Complaint narrative:
I am requesting a refund of {$88.00} from the XXXX XXXX to be return to me due to Citibank computer error in the Probate Department that there was a balance of {$600.00} on my late husbands credit card so Citibank would not refund me the money. However, there is no balance because the Citibank Dispute Department has already resolved this balance. There were 2 disputes on my late husbands account ending in XXXX. The first dispute was resolved and a check of {$620.00} was issued on XX/XX/2021. However, the second dispute was also resolved on XX/XX/2021 with the attached letter from the Citibank Dispute Department on XX/XX/2021 for crediting me of {$600.00}. Recently, I just closed my husbands XXXX XXXX account and it refunded me of the {$86.00} on XX/XX/2021. I have been calling since XX/XX/2021 and found out that Citibank does not share information with different department, as of XX/XX/2021 Inconsistency and contradiction of records among Departments : PROBATE DEPARTMENT-XXXX SUPERVISOR ( XXXX ) XXXX denied of any refund and she claimed there was a balance of {$600.00} CUSTOMER SERVICE-XXXX XXXXthere was a balance of {$510.00} because the refund of the XXXX XXXX was received RECOVERY DEPARTMENT-XXXX ( XXXX ) XXXX-Confirmed the balance of {$510.00} was in the account, instead of the PROBATE DEPARTMENTs record And I contacted both the Dispute ( XXXX ) when I received the statement on XX/XX/2021, she informed me that the conditional credit of {$600.00} was refunded into my late husbands account on XX/XX/2021 and I received a confirmation letter as attached on XX/XX/2021. 



NOW,

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 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I tried to get my credit report from Equifax on XX/XX/XXXX online. I received back a message that they were not able to send it on line and I needed to call. I called and talked to two different representatives. I gave them extra information that they requested. They assured me there was not a problem with my Credit score and that they had looked at it. They then asked for further information which I provided. They then said they would send the credit report by mail and I would receive it within 7 to10 days. I received onXX/XX/XXXXand XX/XX/XXXX letters with a XX/XX/2021 date : each with a form I was requested to send back in order to get my Credit report. No Credit Report was included! The letter and form had the title " XXXX '' with address to send to at XXXX. XXXX XXXX XXXX GA XXXX. The " XXXX XXXX XXXX  Request Form '' asset that it be sent to XXXX XXXX XXXX  Request Service. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
This to me is an unacceptable response to a simple request for an annual credit report. Is there some scam involved? I need to know!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
XXXX  is not helping the consumer and is allowing these collection agencies to place fraudulent accounts on my file. on XX/XX/2021 I submitted dispute Confirmation number : XXXX with a due date of XX/XX/2021 for an account that is not verified as belonging to me, and the collection agency MERCHANTS CREDIT GUIDE would not provide a copy of the executed contract as requested prior to filing the dispute with the credit bureau.MERCHANTS CREDIT GUIDE did not provide the requested verification documents within 30 days therefore XX/XX/XXXX deleted the account from my file. However, on XX/XX/2021, MERCHANTS CREDIT GUIDE somehow resubmitted the same exact account to my file as a duplicate for approximately 5 days (XX/XX/2021-XX/XX/2021 ) at which time XXXX removed the original disputed item sent XX/XX/2021 which violates guidelines to have the same collections account on my file twice at the same time. I called XXXX to ask how's this possible and was refused to speak to a supervisor after the agent stated he can not expedite the deletions request, he can only resubmit the dispute of the new account and allow another 30 days for MERCHANTS CREDIT GUIDE to respond. This now allows the collection agency a total of 60 days to provide proof of account instead of the given 30 days. Again, the collections agency has refused to provide an executed contract and validation of ownership of this account. XXXX  has opened a new dispute today XX/XX/2021 Confirmation number : XXXX for the same exact item I disputed over 30 days ago. This should be removed immediately and case closed. However XXXX  is not willing to help the consumer, only the collection agency and this isn't fair to me as a consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National credit systems is violating the Fair Debt Collection protection act. This collection company never reach out to me to validate the debt prior to placing on my credit. The invalid debt reported on my credit as open collection since XX/XX/XXXX and first appeared on my credit late XX/XX/XXXX is inaccurate this account was never a collection account and was paid in full at the time they reported to the credit bureaus the status of the debt is inaccurate due to account being paid as agreed and closed. I further confirmed with the original creditor Wildgrass apartments the amount reported is incorrect balance is XXXX the open date is incorrect furthermore the company was advised by the original creditor on XX/XX/XXXX that this is not a collection account National credit system further proceeded in violating the FDCPA by reporting all of the above inaccurate information again to all credit bureaus on XX/XX/XXXX inaccurate information and no one never contacted me from their company by written and or verbal communication prior to placing this debt on my credit which violates the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Hello, I made the full payment of {$220.00} with XXXX and closed the account but the debt collector company " CREDENCE RESOURCE MANAGE '' kept on reporting this with XXXX XXXX. I filed the dispute with XXXX but they refused to resolve the dispute. I have asked the debt collector company to provide me with the current unpaid balance from XXXX XXXX. I'm not getting any response from them. I need this in writings from them. 

Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
TMS claims to have sent me letters about service transferring my mortgage that I never received. I can not see these letters in my web account with TMS and I did not receive any physical letters. 

Example - I never received ( electronic or paper ) the XX/XX/XXXX letter referred to below. This has caused unnecessary confusion and a waste of my time dealing with figuring out who my servicer is, where I send payments to the new servicer and when. 

Compounding the confusion is that in XX/XX/XXXX, XXXX sent me a similar service transfer notice and then backed out of the service transfer. 
-- - You were previously sent a transfer letter from The Money Source ( TMS ) dated XX/XX/XXXX notifying you that your loan was going to be transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX , XXXX effective XX/XX/XXXX. 

The date of the transfer has been changed. 
Effective XX/XX/XXXX the servicing of your loan will be transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. 
-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
I recently accessed my credit report and seen that a car loan that wasnt supposed to be under my name is on my report. The loan was purchased by my ex and added me as a co-signer. I have tried numerous times to resolve this and to get it deleted and the company is refusing to honor to my request. They sent me the contract with his signature and mines and thats not even my signature. I was at work on the date and time of this purchase. And on another violation regarding my rights as a consumer they never marked any Credit reports in which they are supposed to within 30 days of the dispute. I sent the first letter certified and it was signed for on XX/XX/XXXX. I sent another letter on XX/XX/XXXX and they signed for this on XX/XX/XXXX and I have yet heard anything back or has the account been removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
We have a XXXX XXXX amex serve card. We have had out federal refund put on this card with no problem. Well on XXXX we received our stimulus of XXXX and once it hit our card they locked it. They will not tell us why. They will not give us any answer except to write them a letter and wait for a response. We have almost XXXX on that card. That's all the money we have for bills and etc. And now we have no way to access it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
At XXXX on XX/XX/2021 Somehow an individual was able to hack into my Cashapp account which was linked to my XXXX banking account and fraudulently transfer {$450.00} to themselves, also diable my phone notification so that I was unaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
This morning I was notified that an account previously held by XXXX XXXX and had been closed and settled yet this collection agency is attempting to collect for the same and already closed account. Not to mention that the account was already found to be unjust through CFPB! 
Phoenix Financial services has breached my rights by attempting to collect an already settled account!

Below Is the already settled account that they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: Ideal Collection Services, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX XXXX provided internet services at my previous address ... XXXX XXXX XXXX XXXX, Mi XXXX. In XXXX of XXXX, final payment resolved for the full remaining balance owed on the account for the services rendered, after the home had been sold. Harassing calls and letters from XXXX XXXX followed one month after services were disconnected by me and shortly before the final payment had been made. The company is stating that I owe money for equipment that was used for the duration of the internet services. There is not an existing or past contract that was signed or agreed upon, by me nor any other member of the household for the rental or leasing of the equipment at my home. I paid in full for the services and or any equipment as stated on my monthly bill. I have contacted IC Systems Inc. twice in writing regarding my dispute. I have specifically requested that they produce and submit back to me any signed contractual agreements where it indicates that I understood the equipment was leased, including amounts owed and other pertinent details. I have not received any responses back as of XX/XX/XXXX. To further add injury in my claim against this company, they are now reporting twice as a collection account, through a different company, XXXX XXXX Solution. For the same amount but with a different account number. I feel harassed and bullied by both companies in a retaliatory effort upon ending services. It is heavily affecting moving forward by falsely reporting to the credit bureau and not responding to my request. I need help and some resolve in this matter. I am asking that you demand from both IC Systems, XXXX XXXX and XXXX a proven contactual agreement, in which I am certain they do not have, or they remove both collection accounts from my credit report. I am hoping they will comply with your request. No company should be able to do as they wish in regard to falsely reporting to credit bureaus. I work very hard in keeping my credit payment history in great status and this is the only collection account on my credit report. Falsely reporting is intentionally misrepresenting my payment history which is FRAUDULENT.

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 2021-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have a debt collection reporting on my credit that is not mines. I have no knowledge of how this account was reported. I have strong reason to believe this debt is the result of an identity theft. I have not authorized nor given anyone permission to do so on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 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: Heritage Financial Group, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: TX

Complaint narrative:
I reviewed my credit report with TransUnion on XX/XX/XXXX. I found an adverse account item reported from Aspen National Collection. I did not recognize the original creditor. I called Aspen National Collection and spoke with XXXX XXXX. I asked for any evidence that the account was mine and he refused to provide any. He stated that this was in reference to XXXX XXXX XXXX. I am not an owner or co-signer of any account with this company. I have never received any information from XXXX XXXX XXXX or Aspen National Collection previously about an outstanding debt. The claim was placed in collection on XX/XX/XXXX. I did not receive any letters, e-mails, or phone calls about this debt. The statement shows that the payment was made on XX/XX/XXXX. I have reviewed my bank statements for that period and not matching payment was found. 

I tried to resolve this with Aspen National Collection, but XXXX XXXX was not willing to assist. XXXX XXXX at Aspen National Collection was also not willing to send any evidence that I owed the debt. 

The practice of arbitrarily adding names to account is predatory and this intentional fraudulent practice should be penalized. 

I have no documents to include as no evidence of this debt was provided to me.

Company response to consumer: Closed with non-monetary relief