vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC
State: NC

Complaint narrative:
I went to XXXX XXXX and XXXX XXXX on both days trying to cash a check that was written to receive cash back. The company Certegy Payment Solutions sent me a report back stating that I had return checks on their system which I found out later they did not. They could not even find a report showing that I had cashed any checks. But when I was in the store trying to cash my check the store would not accept the checks - only written for the amount owed. I wanted to get cash back from my checks. For example, If I wrote a check for {$50.00} dollars and wanted {$20.00} back their system would not accept it. The Manager at both stores indicated that they could not tell me why because they did not have any return checks on file. I have a report listing the checks that had cleared and went through their system by Certegy Payment Solutions but no cash back. 

When I tried to ask them why my checks would not clear they could not give me a clear answer and the checks listed are no longer in their system. I have enclosed a copy of this report to you and also copy of the checks I could not write for cash back. 

Please clear this matter up for me, because it is so embarrassing to go into a store trying to write a check for the goods and requesting cash back with both the Manager of XXXX XXXX and XXXX XXXX plus Certegy Payment Solutions not giving back information as to why my checks would not clear for cash back. 

Thank you! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is not fair. Everyone else gets their 1 shot to have student loan late marks removed but I am being reported late 90 days 28 times. I paid the money I owed and my negative marks are still there. I was just denied for a car loan which I need very badly. These late marks are destroying my life. It was only {$3000.00} and people with 10x that amount are able to rehabilitate it. I was told I have 1 time to rehabilitate my students loans but they insist on reporting every single one.

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 2021-01-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I called Equifax XX/XX/2020 to delete an old address on my report. Equifax deleted the address per credit report XX/XX/2020 and the it was reinstated on my credit report within the same month. this clearly a violation of the FCRA section 611 : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
on XX/XX/2021 i pulled my full credit report and i notice there is a couple name and address on there that is not mine i never live before and would like to remove it. my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX new york. before married my name was XXXX XXXX XXXX i never change my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank is offering a bonus for newly opened eligible checking or savings accounts. If you open a checking/savings account and deposit {$15000.00} into one or both accounts, after 60 days, Citibank will give a {$400.00} bonus. 
I did everything the bank required and was a qualified new customer at Citibank. But now my $ XXXX is in the account for more than 3 months and no bonus was sent to my account, I called them and they said I need to appeal. 
My husband also opened an account just like mine and he called Citi bank and he got a letter telling him to wait another 90 days. 
I can believe CITI bank is such a scammer, I found many people complaining about the same problem and people suggest we complain to CFPB and the problem will be solved quickly.

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 2021-01-02 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: FL

Complaint narrative:
I have discussed these accounts several times and still have not received any answers, this has affected my credit report.

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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have discussed these accounts several times and still have not received any answers, this has affected my credit report.

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 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed inaccurate address on my report. The bureau sent a letter stating it was deleted. I checked my report weeks later and its still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have had Capital One Credit card for over a year and half, I have never been last, never had a return fee, always used same bank and account number to pay. As we are in this pandemic and Rhode Island has been on a lock down we where advised to use a credit card and have food delivered to pur house, so therefore we have been making payments alot to this card. But they will hold my money for 8 days because there saying it is a security which I do understand but after explaining and having them do a three way conference call with my bank, they still dont care!!!!! How is this fear? We are paying them, we pay 24 % interst on this card and they hold my money? Even though my bank has confirmed it was released??? Or you talk to another customer service member and they say o sorry we cant call your bank, you have to wait 8 days! To me this is aweful! There liers and they make up rules as they go. This should be considered fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Suntrust admits to being paid and never updating my payment history to the credit agencies. My insurance company paid suntust over XXXX XXXX dollars back in 2018. Instead of updating my account balance they chose to keep reporting the full XXXX balance as if the car was never paid on. Now that the balance has been updated after years, they refuse to update my payment history which is 35 % of my credit score. Or at least delete this account from my credit report since they know its inaccurate. They have stressed me out during both of my pregnancies with their inconsistent reporting and I would just like to be free.

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 2021-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I submitted a complaint to the FDIC on XX/XX/2020 against Citibank. The FDIC issued me a letter stating they were referring the complaint to you. I called the CFPB on XX/XX/2020 since I had not received any correspondence in regards to my complaint, and the phone agent I spoke with told me you never received anything from the FDIC. I contacted the FDIC to inform them of this, and was told they submitted the complaint to you on XX/XX/2020. When I told the FDIC that you never received anything from them, they suggested I submit a new complaint directly with the CFPB, and attach their letter indicating they had forwarded the complaint to you. You may want to look into why this correspondence was never received by the CFPB. Here is the nature of my complaint : On XX/XX/2020, I wrote a check out of my XXXX XXXX Account XXXX account # XXXX XXXX for {$50.00}. The bank where the check was deposited issued the depositor a letter stating the check was returned unpaid. I received no correspondence from Citibank that this check was returned unpaid, nor the reason it was unpaid. I attempted three times to contact Citibank to find out why this occurred. Every time I called, the overseas phone agents kept me on hold for long periods of time, after which they said they needed to transfer my call somewhere else. After this, my call was disconnected each time. Since I was unable to obtain any information by phone, I wrote a letter to Citibank on XX/XX/2020 asking for an explanation. It has been nearly seven weeks since I sent this letter, and still have not received a response.

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 2021-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Porfolio R.C. Debt Collector violated my right. I have tried to resolve issued directly by requesting to removed debt that was added into BK Chpt. XXXX but, they refused and desisted to wrongfully reported to credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
My American Express account and card, I had money stolen from me. {$4800.00} dollars. My way to go car Tennessee I had XXXX dollars. MY TAX REFUND WAS STOLEN. MY XXXX THROUGH XXXX tax refund WAS STOLEN FROM me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I typed and mailed a my second letter to Experian regarding inaccurate and false information being reported to my credit report. After multiple attempts and no responses to my inquiries, it's starting to feel as tho my disputes are being ignored. 611 ( a ) states that a failure to investigate within 30 days gives reason to immediately remove the items in dispute from my credit report. We are now nearing 2 months without any correspondence from this company. I find it rather strange that Experian is the only company reporting these inaccurate account to my report. I am tired of this and I don't understand why!!! I demand these account be deleted ASAP or the next step will be me contacting my lawyer and filing for litigation and seeking damages due to the stress cause by this ordeal. My personal information was also compromised by the XX/XX/XXXX data breach and may 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