vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This complaint is about the Best Buy Credit Card issued through Citi Bank. I have had that card on auto payment for more than a decade and never look at my statement. Today I reviewed my statements and realized they have been charging me for a " Debt protection '' program that I never knowingly agreed to. In just the past three months, they have charged me more than XXXX dollars for this service I never knowingly agreed to and do not want. 

I called the listed phone number and spoke with a customer service person who told me that I had signed up for the debt protection program in 2007 when I applied for the card. I don't think this is accurate as I wouldn't have signed up for insurance for a credit card. Or they hid the consent for it within the signup process. I'm not sure, but over the last 15 years, they must have charged me thousands of dollars in debt protection fees without my consent. I requested that they cancel the service and I also requested a refund on the charges.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is in Violation United States Federal Code Law Under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information and 15 U.S. Code 1681e ( b ) - Accuracy of report To Equifax information services LLC Recently, I conducted an investigation of my consumer report which caused great depression and stress on me mentally and physically when I found inaccurate, unauthorized, unverifiable and questionable items that your agency failed to make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days of your investigation, you must remove the accounts and or the information. I have also provided attached documents as supporting proof of these inaccurate, unauthorized, unverifiable, and questionable items on my consumer report. 
As a consumer federally protected under the Fair Credit Reporting Act ( FCRA ) by law these of these inaccurate, unauthorized, unverifiable, and questionable items on my consumer report must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX  XXXX XXXX, and Federal Trade Commission. Also Equifax told me they verified the accounts which is impossible because i never gave them permission to do so. I also give Equifax permission to respond to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: TX

Complaint narrative:
My parents had a reverse mortgage and both have passed away. My siblings and myself keep receiving letters from the XXXX office in which the property is located as heirs to our parents. None of my siblings or myself want the property our intention was for the foreclosure to happen. Our last parent passed in 2019 and we have been receiving these threatening letters periodically since their passing. How do we make them stop please?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I Am a federally protected consumer, natural person and not affiliated with a third party. After sending a Equal Credit Opportunity Act letter XX/XX/XXXX making XXXX XXXX  aware of the discrimination violation I am pursuing. Making note that banks are borrowers who issue bonds and debentures 12 USC 1431. No lawful money has ever been deposited from citi bank to XXXX XXXX yet Citi bank denies credit to the the person that extended credit. Upon social account number and my signature pen on that application citi bank used that promissory note/ negotiable instruments for gain and provide nothing in return. I sent a letter specifically addressing my rights under commerce and trade 15 USC 1691a ( 3 ) Scope of Prohibition it shall be unlawful for any creditor to discriminate against ANY applicant

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 2021-09-24 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I wrote a letter asking for proof that this debt is in fact mine ( i.e, a copy of my driver license, a contract bearing my signature ). I also requested verification of this debt collectors ownership of this debt. Nothing has been provided but a printout

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: NY

Complaint narrative:
Please see identity theft report. Since earlier this year, I have CONSISENTLY disputed fraudulent accounts that are results of identity theft on my credit profile, with all 3 credit bureaus, and they HAVE IGNORED my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles!

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 2021-09-24 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: NY

Complaint narrative:
Please see identity theft report. Since earlier this year, I have CONSISENTLY disputed fraudulent accounts that are results of identity theft on my credit profile, with all 3 credit bureaus, and they HAVE IGNORED my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
My mortgage lender ran my credit for a home loan and notified me of a collection that is preventing me from obtaining a home loan. After researching the collection, I know for a fact this debt isn't mine and was opened fraudulently. This fraudulent account is having an adverse effect on my credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed 2 transactions made using my EDD debit card. Someone had stolen my wallet and phone out of my car while I was camping. I immediately reported the theft to the bank and disputed the 2 withdraws that occured just days before. I told them my wallet had been stolen and that the two withdraws were not made by me and were fraudulent. They denied my claim 8 days later and then lied to me on the phone and said it had been sent to another investigator and that it quote " was looking good '' I called back the next day, the XXXX and thats when I found out they had denied my claim and were not investigating it further and that it had been denied on the 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 monetary relief
Consumer complaint received 2021-09-24 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: National Credit Adjusters, LLC
State: MO

Complaint narrative:
National Credit Adjusters is reporting an open account for XXXX XXXX. This account is not an open account, and it is an old account that has exceeded the Missouri Statue of Limitations.

National Credit Adjusters has also illegally re-aged this account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on my credit report. The DOFD should be the date an account became 30 days late and no other payments were made. Therefore National Credit Adjusters has illegally reported this debt as open and also re-aged this account significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance {$1300.00} Opened XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: NC

Complaint narrative:
XXXX-XXXX  previous number here is the recording of the supervisor admitting to violations set forth to protect the consumer. They lied about several attempts from me before me trying to fix this and I stated under the FDCPA they are in violation as well as I have disputed all of there stuff with the credit bureaus and sent the recording to them, to show they are in 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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Previously I submitted a complaint to CFPB in early XXXX. 

In response, HSBC released my statements that HSBC did not allow me to examine when HSBC closed my accounts without warning in XXXX.

At one time, I had around {$200000.00} with the bank. 

The HSBCs response also reads : If you have any questions, please call me ( XXXX XXXX XXXX Customer Relations Manager ) at XXXX. Im available Monday through Friday, XXXX XXXX ET. Alternatively, you can reach me by email at XXXX. 

Despite my repeated calls and emails, to date, Ms. XXXX XXXX XXXX has failed to reply and explain the missing {$1500.00}. 

Releasing my statements nearly two years later has not resolved the problem of the missing {$1500.00}. 

Rather, this can be considered as a grand theft now. 

For nearly two years, HSBC had failed to send me the balance checks after closing my accounts.

HSBC also denied my access to my accounts prior to closing my accounts. 

As I have I indicated to Ms. XXXX XXXX XXXX, the missing {$1500.00} is related to my credit card reward redemptions and the Regulation XXXX claims. 

The ATM machine outside the XXXX, CA branch had serious issues before it was finally replaced. 

Please review the Regulation E claims at that branch, and Ms. XXXX XXXX XXXX will find a surplus ( at least several XXXX dollars, probably around a XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA Collections is claiming that I have a debt with XXXX XXXX. I have requested several times that AWA would provide me with the evidence of this debt and that it is in fact mine. A copy of my driver license and a signed contract bearing my signature. Also an affidavit stating they are not the owners of this debt but authorized to collect on behalf of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to Barclays Bank but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with XXXX, XXXX and XXXX. I have submitted a dispute with my bank whom processes payments to Barclays Bank to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

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 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-09-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The erroneous account listed below is still reporting on my Credit Report : XXXX - XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2014 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
An individual left me a message stating I have a civil matter that required immediate attention. I returned the call and was connected with a gentleman a XXXXXXXX XXXX XXXX claiming that this is a law group that has petitioned the court to garnish 30 % of my wages for an {$880.00} that was sold to XXXX XXXX by Capital One in 2008. This gentleman says from that {$880.00} balance and court cost, I now owe {$6600.00}. I explained to him that I was not aware of any judgment and had not received any communication via mail. It really concerned me because I cant afford to have 30 % of my wages garnished so I asked if we could work something out. I researched the company and him some questions about the company. He claimed to be the paralegal at this law firm XXXX XXXX XXXX His aggressive tone and the fact that I didnt want my wages garnished, I agreed to a payment plan because I felt pressured to do so. I submitted a {$50.00} payment via debt card over the phone and was sent a XXXX that stated my next payment would be for the full amount agreed to {$1800.00} this is the amount he said I owe before they petitioned the court. The XXXX was also authorizing a law firm in Florida XXXX XXXX  to collect payment. When I got off work I began to look into the statue of limitation and the XXXX  to get more information on this company. They have called and text me today from random unknown numbers because I canceled my card as to not allow them to collect funds. This debt is nearly 15 years old. I believe this is a scam. This XXXXXXXX XXXX XXXX is not willing to send me anything in the mail showing that legal action has been taken.

Company response to consumer: Closed with explanation