vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank promoted XXXX XXXX XXXX miles when I open Citi Priority account. 
Received bank Debit card XX/XX/2019. My bank account is XXXX I sent {$750.00} debit card within 60 days and paid 2 bills every 2 months fro reward requirements.

So, I matched Citi requirements, I have chatted with online XX/XX/2019 and Representative XXXX said that my spending are matched and with till 90days, around end of XX/XX/2019. 
But I didn't receive AA XXXX miles yet. 

Regards,

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 2019-04-04 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: EMCC Holdings, LLC
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I went to the hospital XX/XX/XXXX and received a bill from the hospital mid XX/XX/XXXX. XX/XX/XXXX I received a letter from Wakefield & Associates ( aka XXXX XXXX XXXX  ) saying that I owe {$420.00} plus {$130.00} in interest charges. I called them to ask what it was about, I was told to submit my insurance information, which I did- and I submitted written request for an itemized bill. I never received the itemized bill, but received another letter from them XX/XX/XXXX that I had 7 days to pay the full amount or it would be submitted to the credit bureau and legal action would be pursued. I again asked for an itemized bill- and was told to submit written request. I said I had already and received nothing. I asked for information on who sent the account to collections, who the doctor was, what the charges were for, and they refused to give any information. However they wanted to know personal information about me- where I lived, where I worked, where my parents lived, contact information, etc. told them this was none of their business, and I wasnt paying them a dime until I saw an itemized bill. I even submitted receipts from that date of service with the bills I had received and they continue to argue that I owe money. I even called my insurance company and the hospital, and no one can find any bills paid or outstanding for that amount from that date of service. All that comes up is what I already paid. These people are rude, dishonest, con artists and they need to be shut down. I will continue to fight this and put an end to their harassment.

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 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NATIONWIDE ACCEPTANCE LLC
State: WI

Complaint narrative:
Loan paid down by XXXX they applied it to balance not as payments.

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 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
On XX/XX/2019 at XXXX - XXXX XXXX XXXX from Gordon , Aylworth & Tami , P.C . who is representing XXXX XXXX XXXX, contacted me via email regarding an account that they have filed a lawsuit against me ( Oregon XXXX ) along with another debt that they are also representing XXXX XXXX XXXX but does not have a lawsuit associated with it. They have stated to settle with them without defending myself in the lawsuit. They have threatened lawsuit with the non-lawsuit account and suggested that I file for bankruptcy, thus trying scare tactics to pay them in full for debts that are being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: OH

Complaint narrative:
I have went over my credit report and I found account that are not mines from a XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I demand a copy of any type of proof for claim. I have no business dealings or paperwork until then please delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: TX

Complaint narrative:
SENT EVERYTTHING UNDER THE QUILD LINES FOR FTC VOLATION THEY NEED TO CORECT MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I demand a copy of any type of proof for claim. I have no business dealings or paperwork until then please delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.

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 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
On XX/XX/2019 at XXXX - XXXX XXXX XXXX from XXXX , XXXX & XXXX , XXXX . who is representing XXXX XXXX XXXX, contacted me via email regarding an account that they have filed a lawsuit against me ( Oregon XXXX ) along with another debt that they are also representing XXXX XXXX XXXX but does not have a lawsuit associated with it. They have stated to settle with them without defending myself in the lawsuit. They have threatened lawsuit with the non-lawsuit account and suggested that I file for bankruptcy, thus trying scare tactics to pay them in full for debts that are being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX has been using some come of software to hard into my clients data base. Why I know this b/c everthing I get into their site they book me off I've been a victim of ID theft and I've seen a lot of bank shy away. If they knew the pain I had to endure POLICE report constantly, hacking, filing to you guys and ftc Law said we have the right to dispute any inaccuracy and they are required by law to look into it or at least do a reason investigation they have fail me miserable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Western Mercantile Agency, Inc
State: OR

Complaint narrative:
I Received a call from Western Merchantile in XXXX XXXX Oregon 2 1/2 months ago. 
Talked to a XXXX who informed me that I had a medical bill from 15-17 years ago. 
I told her that was very odd considering how old it was and how we just paid off all of our medical bills with XXXX. I told her when we did we specifically asked them if there were anymore bills with them. They informed us we were clear! 
When XXXX called about this bill, I informed her, in the 15-17 years, this is the very first time I have ever made aware of this medical bill! 
I do not have a clue what it was for, nothing. 
She wanted to collect . I told her I was going through a divorce and work was slow I wasnt working. I had nothing!!! 
I told her the monies I had, I have a XXXX year old daughter that I have custody that I have to think about & keep a roof over her head. 
XXXX then informed me she would call me back in 3 months to see where I was at and arrange a payment plan. 
I went to use my debit card on XX/XX/19 at a grocery store having {$1300.00} in my checking account. My card was denied do to insufficient funds. I had another card from an account that had a bit of $ left in it that was the joint account from when I was married. I used it and it too was denied due too insufficient funds.. 
I looked at my bank account and it said western merchantile {$1100.00}. 
I contacted my bank first thing XX/XX/19 and they had informed me that western merch. Had garnished my account. 
This has come to surprise to me as I had not received 1 phone call nor did I receive 1 letter in the mail. 
XXXX did not call me To set up any payment plan like she agreed. 
I had written checks to pay my rent, my power bill. Those checks obviously are no good now due to her taking my money from my checking account without notice. I have been penalized for the checks by my bank. I have also been charged {$120.00} in garnishment fees by my bank, leaving me with a negative balance and no monies to pay for my daughters medications! 
I want something done about this as it was crooked the way Weatern Merchantile went about this!!!! 
I know NOTHING about this medical bill!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX, XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late -XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion has been using some come of software to hard into my clients data base. Why I know this b/c everthing I get into their site they book me off I've been a victim of ID theft and I've seen a lot of bank shy away. If they knew the pain I had to endure POLICE report constantly, hacking, filing to you guys and ftc Law said we have the right to dispute any inaccuracy and they are required by law to look into it or at least do a reason investigation they have fail me miserable

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 2019-04-04 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE. with no successful resolution. XXXX asd XXXX  was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed me for " behavior inconsistent with use of an account. '' I had a negative balance of {$15000.00}. 

It has been nearly three months, and Capital One still has not returned this balance to me.

They are effectively making free interest off my money. It needs to be returned immediately, preferably with 2 % interest, the prevailing interest rate - for last three months.

They should also return my confiscated rewards of {$220.00} dollars as a good will gesture for holding my money this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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 — Was not notified of investigation status or results
Company: LoanCare, LLC
State: DC

Complaint narrative:
I have a loan with LOANCARE SERVICING CTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and LOANCARE SERVICING CTR were no successful resolution. XXXX, XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late an 2018, XX/XX/2018, XX/XX/2018, XX/XX/XXXX, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 2018

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 2019-04-04 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NAVY FCU were no successful resolution. XXXX and XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late -XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: OH

Complaint narrative:
There has been multiple dates over the past 4 years. I've been trying to remove a delinquent account that is showing late payments but my husband and I no longer owe the company. We had a lawsuit against them and received a letter from our lawyer that shows we no longer owe anything, but Experian insists on keeping it on our credit report and letting it destroy our credit score. I'm considering a lawsuit against Experian next. This has gotten way out of hand.

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 2019-04-04 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NAVY FCU were no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I have a loan with SYNCB/CARE CREDIT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and SYNCB/CARE CREDIT with no successful resolution. XXXX, XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/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 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
Midstate Collection Agency is in violation of the Fair Debt Collection Practices Act, and I believe that my rights as a consumer are being violated. On XX/XX/2019, I sent a second request for validation to Midstate Collection Agency and I have not received any correspondence from the collection agency  in regards to my first or second request for validation. On XX/XX/2019, I spoke with a representative at Midstate Collection Agency, and I was advised that both the first and second debt validation requests were received, however, they could not provide me with any documentation to validate the collection account. Also, there is no contract on file with my signature as proof of validation. The Midstate Collection account that is reporting to the three credit bureaus is reporting in violation of the Fair Debt Collection Practices Act. Please review all call history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
2 Bank Of America Accts w/Unauthorized charges/Fraud charges totaling over XXXX. All fraud charges have been filed 2 times w/BOA separately & both later denied ( XX/XX/XXXX ). 

My Actions to Date : XX/XX/XXXX : Fraud reported & $ $ removed from accts. 6 wks later, all unauthorized $ put back on XX/XX/XXXX : Police Report filed & investigation opened by XXXX XXXX. 
XX/XX/XXXX : Alerted BOA of police report & re-submitted claims ( # 2 ) ... later denied again by BOA XX/XX/XXXX : Thief was identified on video & more info was relayed to police detective. 

XX/XX/XXXX : FTC IDENTITY THEFT report created & submitted to BOA. Other Info sent : -Specific Name & contact info of the thief confirmed in video, so BOA fraud dept could use -Police Detective & Police Reports /Case # Details -Summary/Documentation showing unauthorized charges broken down by month in XXXX. 
( Requested once again for all fraud charges be removed ) **All charges that have been claimed as fraud were 100 % unauthorized. All charges were initially removed & later added back on. 

XX/XX/XXXX : BOA employee signed for FTC IDENTITY theft reports ... 
XX/XX/XXXX : As of today, there has been 0 follow up from BOA since FTC report. ( almost 30 days )

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 2019-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I got a loan in 2008 I believe and after done with school it was hard to get a job that payed well for the career I was pursuing, my My loan interest kept going up and I had no job for a couple of months.They kept adding everyday interest and its hard for me to pay the whole loan.

Company response to consumer: Closed with explanation