vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX  xxxxxxxxxxxxxxxx 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 2021-12-16 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: GA

Complaint narrative:
There are credit cards that was opened in my name I want to have removed my credit reports, this is fraud and I want them removed immediately from my reports I want XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX removed I did not authorize anyone to open these credit cards in my name and I want these removed asap, I dont appreciate this inconvenience, Im filing this to have these removed 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 2021-12-16 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: OR

Complaint narrative:
My wife and I had an account for a Costco XXXX card through Citi that we were using as our primary credit card. We literally just received the card and ran into repeated issues when making the first payment. For whatever reason, Citi refused to accept a payment from a valid credit union account that was verified multiple times. The payment was attempting each time to pay the balance in full. Each time, despite reports from the credit union that there was no issue on their end processing payments, Citi denied the payment. Citi then closed the account after only a month due to lack of payment. Customer service refused to accept any blame for Citi but was unwilling and unable to explain why they were refusing payment in the first place, just choosing to blame everyone else instead. Ive honestly never had a bank before refuse to take valid payment and then say we closed this due to lack of payment, but I guess theres a first for everything.

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 2021-12-16 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: CT

Complaint narrative:
I have disputed negative items on my report multiple times almost close to XXXX times the bureaus have not sent me no letters to verify these items on my report I have not been given anything I have been calling and been giving the run around repeatedly this is very disheartening because I can not get my house until my credit is fixed please look into this matter 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 non-monetary relief
Consumer complaint received 2021-12-16 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: CT

Complaint narrative:
I have disputed negative items on my report multiple times almost close to XXXX times the bureaus have not sent me no letters to verify these items on my report I have not been given anything I have been calling and been giving the run around repeatedly this is very disheartening because I can not get my house until my credit is fixed please look into this matter immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later thaXXXX XXXX  days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Electronic Fund Transfer Act ( EFTA ), Regulation E. On XX/XX/2021, I was caught up in a check fraud scam and I was scammed out of {$4000.00} total from my checkings account. The check was written to me by the scammer and sent via XXXX, who had added me on XX/XX/2021, explaining how they wanted to take care of me financially, with the check bank being " XXXX XXXX XXXXXXXX '' with a total of {$4700.00} and I was told that {$700.00} would be compensation for doing menial tasks of transferring the majority of the money to the designated accounts instructed. The check was deposited by me on XX/XX/2021, and since {$400.00} was immediately present in my account I was under the impression that the check was legitimate. I discovered that the check was fake only after the money had been transferred because of how persistent and aggressive the scammer was. {$3400.00} was scammed from me via XXXX with four transactions : 1 transaction being {$400.00} on XX/XX/2021, and 3 transactions being {$1000.00} each on XX/XX/2021. The other {$600.00} was scammed from me via XXXX on XX/XX/2021 ; this was only one transaction. On XX/XX/2021, I made a claim with Wells Fargo about the scam in an attempt to obtain my money back. The XXXX claim for {$3400.00} was made on XX/XX/2021, but I was instructed by a Wells Fargo representative to make another claim for XXXX since the transaction was not complete on my statement record until XX/XX/2021. On XX/XX/2021, XXXX was also contacted about the scam and my XXXX account was frozen. On XX/XX/2021, a claim for {$600.00} was made. On XX/XX/2021, I made a claim with " CFPB '' to ensure that I would get my lump sum back. On XX/XX/2021, my " CFPB '' complaint was closed since Wells Fargo responded. On XX/XX/2021, {$600.00} was returned to my account. On XX/XX/2021, I was called to ask the status of these two claims since I was never provided an update : the XXXX claim was deemed to be non-refundable since the transaction was made by me and not by someone else through hacking ; On XX/XX/2021, I was met with the same response meaning Wells Fargo is not complying with Regulation E of the Electronic Fund Transfer Act and only contacted the scammer to get the money refunded rather than reimbursing me. I believe I am still owed my lump sum back because of the " Electronic Fund Transfer Act ( EFTA ) specifically Regulation E '' since I was convinced thinking that this was a legitimate interaction and was " promised '' a specific amount, but in reality, none of it was true. I would just like the remaining {$3400.00} provided back to me since it is such a large amount to me. My occurrence is similar to XXXX XXXX 's occurrence yet she was provided her money back but I was not.

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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  xxxxxxxxxxxxxxxx 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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have an online and mobile banking account with Citibank for 5+ years. I have two active credit cards and 3 closed savings account that are linked to my online credentials. The credit cards have been active for multiple years. The 3 savings account were closed around XXXX 2021. I am able to view statements and manage payments to all 5 accounts up until XX/XX/2021. 

In XX/XX/2021, I am no longer able to access my online banking account including mobile banking. Every time I login, I am directed to an " Activate Your Card '' page. This is not due to an incorrect or invalid username or password. I have no cards to activate and I can not get past the card activation page to view any of my accounts. This is the same behavior observed on the Citi mobile app. 

Multiple citi representatives have confirmed that : 1. I was able to successfully login. Confirming that there are no issues with my login credentials.

2. They were able to verify that I have 5 accounts. ( 3 closed savings and 2 open credit cards ) No one has been able to offer a resolution to regain access to my accounts. Credit card department says issue is with my closed accounts. Banking department says the accounts are closed and they can not override the Activate Card page. 

The fundamental issue is a bug in their online banking system. Why am I being redirected to an Activate Card page when no cards have been sent to me to activate? Why should a closed account prevent me from seeing my active accounts? Why is this issue taking place now when no changes have been made to my account since XXXX 2021? 

I need access to my online account to : - Pay my current credit card balances- View and manage the two active credit cards - View banking statements for the three closed bank accounts - View 2021 tax documents for the three closed bank accounts I've called 3 times, talked to credit card department 3 times, transferred to tech support twice, transferred to banking department 3 times. No one has been able to resolve my issue and I am still not able to login to my account.

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 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I do not owe these collection companies and its damaging my credit. 
XXXX XXXX XXXX - {$720.00} XXXX XXXX - {$1100.00} XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX {$720.00} XXXX XXXX - XXXX $ and {$66.00} XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint with Bank of America XXXX  prepaid card they denied my complaint I put in for reconsideration that as well was denied there's a federal lawsuit against Bank of America right now that they're not to freeze block or deny any claims due to the XXXX fraud A new card was sent out to me but no credits were ever applied

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 2021-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was sent an Amazon Card back in 2016. I never used it. Don't recall applying for it. They closed the account actually for not using it. It was reported on my Credit Reports as 30,60,90,120 then closed. I never used it one-time because I didn't want the card. I have disputed this several times and they refuse to delete it off my reports...

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 2021-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : I am a Federal Student Loan borrower with FedLoan Servicing and a participant in the XXXX XXXX XXXX XXXX XXXX ( XXXX  ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After receiving notification regarding the extension of the XXXX XXXX XXXX, I completed an original consolidation online for all of my XXXX and Direct Consolidation Loans, in accordance with the waiver instructions in XXXX. I immediately became concerned because an automated letter from FedLoans indicated all my loan counts would restart at a zero payment count. So on XX/XX/XXXX, I spoke to XXXX at FedLoan servicing who told me NOT to consolidate all the loans, and she actually removed the Direct Loans from my consolidation. ( Please see attachments- 1 is my original, and 2 is the incorrect one that was processed. ) Because everything else was filed correctly, my account was reviewed, and I was forgiven only the XXXX loans which had the qualifying XXXX payments. This payment count should have forgiven all my loans based on the new XXXX waiver ; however, because of the FedLoan representatives change, they were not. 

I have a timeline of events, the names of XXXX FedLoan representatives who provided the same misinformation when I attempted to fix the first representatives error, and screenshots of an online chat that also gave the same misinformation. Each conversation confirmed that all XXXX loans should not have been consolidated, which apparently is completely inaccurate. 

I properly followed procedures but was horribly misled. I am now stuck with {$63000.00} that should have been forgiven on XX/XX/XXXX according to the XXXX waiver extension. How do I proceed in having the consolidation corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
I have an old account with RSI enterprise that was opened on XX/XX/2019 in which I never received a bill. No one tried to contact me or let me know that I owed on this account. I called them when I noticed that my credit score had dropped. They then told me that I owed on an old account. I asked them which address they were sending the bills to and it was not an address in which I had resided at. I agreed to pay the debt if they deleted the collection record which they did not. I am now trying to purchase a home and this derogatory mark on my credit is have a negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Hi my email that link to my cash app is XXXX and there was money STOLEN from my cash account more than once and cash support is no help they act like they dont know what I'm talking most of tje time they ask me the same thing over and over again please help i havw proof of everything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am having a very difficult time with Select Portfolio Servicing. We're getting back on our feet financially from COVID 19 and have been denied for a loan modification. The reason given by SPS was due to the delinquency of the account. That does not make any sense to me due to the fact SPS is the one that told me they could help me under the CARES ACT with the forbearance. Now the we're back working we just want to go back to making our monthly payments and avoid foreclosure. Our gross income of {$6100.00} can clearly afford the mortgage payment

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