vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MIDFIRST BANK
State: NY

Complaint narrative:
please help me. Cuz I don't know what happened to this account something happened and this bank considered as fraud and all of the sudden ending relationship with me and I owned them money for no reason.

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 2021-09-04 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: PA

Complaint narrative:
XXXX I am I`m a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Remitly, Inc.
State: NY

Complaint narrative:
please help me. I don't know what's going on with this account but I ended up relationship and permanently open new account with this online banking no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I would like ALLY FINCL to show proof of verification that I owe them {$3900.00} with the account above. To my knowledge, this account has been paid. ALLY FINCL is reporting inaccurate information on my credit report. I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete. 
1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor?

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 2021-09-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting two accounts as a collection on my report when these accounts have been paid off. 100 %. I reached out to both companies in which told me they have updated my information with Experian. 
The following companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts been paid and I would like it to stop reporting as a collection in which it is hurting my score drastically and holding me from obtaining future credit.

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 2021-09-04 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: TX

Complaint narrative:
I was charged {$75.00} by XXXX in XXXX of XXXX. I disputed this charge as it was authorized by ex-wife on an old Citibank credit card account ending in XXXX. I had cancelled this old card and received a new card ending XXXX in late XXXX. After providing information to Citibank they removed the charge in XX/XX/XXXX. However, they allowed XXXX to charge my account ending in XXXX again in XXXX of XXXX. I disputed this charge again and Citibank has now come back siding with XXXX and added the charged back to my account and are now requiring me to provide proof that I cancelled the service. This is a service I never requested and have had no contact with XXXX. XXXX has not sent any communication to physical mailing address or my email address so I have no means to cancel this service that I never set-up.

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 2021-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NC

Complaint narrative:
Jefferson capital systems has contacted me on numerous occasions about a XXXX XXXX line of credit that I've never had. In the amount of {$300.00}. I've called XXXX numerous times to make sure that I don't have a balance and I don't. I explained to Jefferson capital systems that this isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I paid off my charge off and I disputed the information but It was not updated so there was no investigation done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SunTx Capital Partners
State: TX

Complaint narrative:
This is a follow up on complaint number XXXX - XXXX Submitted on XXXX XXXX. Documents submitted.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Someone has changed the password and then the administrator settings in all of my cash app and robinhood accounts. They have ordered debit cards in both accounts. I received 2 cards at my residence which alerted me to the fact that they are compromised. When I try to contact support at either of the companies Im treated like the hacker. Not only that but Im receiving XXXX  XXXX XXXX account alerts and XXXX accounts alerts for deposit and account balances. I do not have accounts with anyone except XXXX XXXX XXXX XXXX XXXX. I also cant get into anything online anymore. I have had 3 phone insurance packages sent to my home for lines and numbers that I dont own. Ive changed cell phone service twice and now have a line on plan through my mother. Ive been trying to get this reported for months and havent had any luck going through the Internet. Tried to report to the local police. They think Im XXXX XXXX. Not the case. I need to provide my evidence to a person. Also I have screen shots of the embedded script in the previous phone to which they are using as a method of discovery to see my personal information. In action To the irs sending letters stating my identity is compromised and needs to be proven

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I bought XXXX $ worth of BTC. I have reciept from my bank and Coinbase. The coin doesn't show up in my portfolio. This is not the first time this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
There is a late pay listed for the month of XXXX, 2018 The payment was made on time. I called the creditor to discuss my issue at the time and made payment as promised I have tried to resolve this issue with Barclays in the past but was denied. 

Please note my prior history there has been no other late pays in the several year history of the card. 

I have always paid my bills on time. I am certain I paid the XX/XX/2018 bill on time Thank you for your help.

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reached out to Transunion Credit Consumer Solutions on XX/XX/2021, to advise them that they are reporting my mortgage company ( XXXX XXXX ) inaccurately. I mailed them supporting documents to back up my claim. XXXX XXXX has also reached out to Transunion to confirm and back up my claim. TransUnion is refusing to update my credit report to reflect that I have a tradeline with XXXX XXXX in good standing and never late.

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 2021-09-04 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: FIRSTBANK
State: TX

Complaint narrative:
This morning XX/XX/XXXX I received a notification from XXXX XXXX that a new hard inquiry was placed on my credit report by FIRSTBANK. I have not been in a firstbank branch in over 2 months and have not had contact with anyone from the company since. I called the customer service line and they stated " I opted into the cash reserve via online banking, which requires an e-signature and authorization '' I have photographic, audio, and video evidence showcasing that I never accepted these terms and was never notified, which clearly showcases internal fraud. After explaining this to the customer service manager ( XXXX employee id XXXX ) he stated that there was nothing they could do, and that the branch that was commuting the fraud was the only point of contact I could reach out to to resolve this issue. A clear violation of the FDIC Regulations. 

On top of this, we are in the middle of closing on a house, and if this credit inquiry causes us to lose the home, we could end up homeless as we do not have secured housing that will run after the closing date. 

Documentation and explanations : XXXX - Image showing all communication from the branch with no communication for new line of credit XXXX - Alert is not associated with the issue at hand. 
Screenshot XXXX at XXXX - Reported to XXXX XXXX XX/XX/XXXX as " Loan ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to generate credit scores based on outdated and inaccurate information. Dispute system is severely flawed hurting consumers and duping consumers into applying for credit cards recommended by Experian which results in adverse credit score results. Misleading and inaccurate reporting practices.

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 2021-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Made a payment to Mercedes Benz Financial over the phone on time ; however, Mercedes Benz posted the payment late then sent my information to the Credit Bureau as a late-delinquent payment frivolously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
I received a notice on my credit report from XXXX XXXX, and XXXX  that a debt of {$1400.00} was owed to XXXX XXXX XXXX, XXXX. Due to past due date it had been assigned to the collection agency Phoenix Financial Services. The date the collection was opened according to my credit reporting agencies is XXXX, XXXX XXXX. From information I could find this is a medical collections agency. However I have not received any medical services outside of the state of Kentucky in the past 5 years. I also have KY XXXX which pays all medical bills and services. I never received a bill from this company or a summary of services. I have disputed against all three credit reporting agencies ( some multiple times ) to which XXXX  removed collection but it is still showing on my other two affecting my score. I then proceeded to file a complaint XXXX XXXX XXXX of Florida ( from my searching this is where the original company is located ) on XX/XX/2021 they reached out to the company on XX/XX/2021 and XX/XX/2021 to which they received no response and closed the case on XX/XX/2021. I contacted the attorney state general of Florida via electronic dispute on XX/XX/2021. I have tried to contact the original creditor and the collections agency on multiple occasions with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent three requests to investigate and send proof of inaccurate information on my credit profile on XXXX and XX/XX/XXXX and have yet to receive and proof. I am looking to purchase a house and this is preventing me from accomplishing my dream

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: TX

Complaint narrative:
This morning XX/XX/XXXX I received a notification from XXXX XXXX that a new hard inquiry was placed on my credit report by XXXX. I have not been in a XXXX branch in over 2 months and have not had contact with anyone from the company since. I called the customer service line and they stated " I opted into the cash reserve via online banking, which requires an e-signature and authorization '' I have photographic, audio, and video evidence showcasing that I never accepted these terms and was never notified, which clearly showcases internal fraud. After explaining this to the customer service manager ( XXXX employee id XXXX ) he stated that there was nothing they could do, and that the branch that was commuting the fraud was the only point of contact I could reach out to to resolve this issue. A clear violation of the FDIC Regulations. 

On top of this, we are in the middle of closing on a house, and if this credit inquiry causes us to lose the home, we could end up homeless as we do not have secured housing that will run after the closing date. 

Documentation and explanations : XXXX - Image showing all communication from the branch with no communication for new line of credit XXXX - Alert is not associated with the issue at hand. 
Screenshot XXXX at XXXX - Reported to XXXX XXXX XX/XX/XXXX as " Loan ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In the month of XXXX of 2021, I submitted a dispute against XXXX XXXX XXXX and XXXX XXXX. I did this will XXXX, XXXX, and Experian Within 2 days of submitting the complaint, Experian ( like they always do ) responded in 2 days saying they investigated the complaint and it was found to be a valid collection.

XXXX, and XXXX  completed the investigation ( it took 2 weeks ) and the information was removed. Experian has the collection grayed out so I can not ever dispute again or upload the information so they can correct the account. It is clear when you look at the account with veridian and XXXX, it is not a collection account and was paid in full by the unemployment insurance. Experian ALWAYS add the most negative information they can on my credit report, they often drop my credit score for no reason, One-time a collection that was paid was removed and supporting documentation was uploaded and Experian removed it and my credit score went up and 3 days later Experian ( on a Sunday ) put the collection back on, and I emailed them the same day, ( on a Sunday, ) and they removed it, something is wrong with Experian, Or someone in that office knows me or is upset over the successful dispute and they refuse to remove. 
How can two credit reporting companies see the errors in my credit and remove and correct the information and Experian ( in two days ) say they investigated and refuse to remove the information and will not let me upload supporting documentation? There is a problem with Experian, for the last 6 months, my credit score will go up 7 to 20 points, then 2 days later Experian will drop my score but will not say why, when nothing has changed. This company needs to be investigated, or see who is handling my account and complaints. How is it I can submit an email on a SUNDAY and then have someone that SAME day respond to my email and correct the information because it was clear someone at the company is tapering with my credit report? They breach information, and their scoring is low,

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 2021-09-04 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: IL

Complaint narrative:
I am a victim of identity theft. Please delete all fraudulent accounts from my credit report. These fraudulent inaccuracies made me lose my job, they are preventing me from obtaining credit, causing stress to my mental and physical state, and is also the main reason to my marital and family issues. 
Thank you in advance for deleting these fraudulent accounts within 4 days of receiving my documents. I'm sure you won't discriminate against me or cause me any more harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
On XX/XX/2021 I paid off the remaining balance of my car in the amount of ( including their fees ) XXXX. The rep told me in the first week of XXXX, my info would be updated on my credit report. I had had a few late pmts reported due to difficulty during covid. 
Today it was reported still open, past due of 180 days, and on XXXX it showed a balance decrease of {$10.00}. 
I called the company and they did say the account was closed but said all they could do was send me paperwork to file a dispute with them.

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 2021-09-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was asked by chase over the phone if I did transactions on my credit card I went through them and i didnt do any of them for a old credit card i didnt use and I told them I disputed when they called and they still have not taken the disputed amount of XXXX off with them that i disputed that day when chase called me.these transactions where done in a different country I wasnt in and IP address they said. I didnt use that IP address not from my internet provider

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I PAID MY CAR OFF XX/XX/2021 and RECEIVED A PAYOFF LETTER FROM CAPITAL ONE FINANCIAL, MY BANK GAVE ME MY XXXX  PAYMENT BACK BECAUSE CAPITAL ACKNOWLEDGED THAT THEY HAD BEEN PAID TWICE AND NOW THEY HAVE THE NERVES TO PUT IT ON MY CREDIT, I HAVE PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
When I first contacted citizens bank about down payment and closing cost assistance I was quoted at {$3600.00} out of pocket from me with the sellers assistance. I payed inspection fees out of pocket appraisal fees out of pocket and hand money out of pocket. Which then I was told I would only need no more than {$2000.00} at closing. A week before closing my lender informed me that I would now need almost {$4200.00}. That is more than we agreed upon in the very beginning or else I never would have went with this lender due to the fact I would never have been able to afford that in a 40 day period with still having to pay rent and utilities in the home I live in now. Ive asked for help Ive asked to speak with someone else and Ive even called her boss who didnt return my call he just told her that I called him. I have nowhere else to turn and Ive already given notice to my landlord that I would be moving. Please help!!!

Company response to consumer: Closed with explanation