vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-04 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:
To Consumer Financial Protection Bureau, XX/XX/XXXX This is the 3 rd complaint against Experian and every response from Experian has been documented on my side, the initial complaint was based on my credit score dropping 20 pts, me being removed from Experians special status customer service for consumers who have attorneys write to Experian and why an authorized account was not being recognized by Experian. 
As I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws. 
Experian requested that I consultant with a credit expert and or banker to have them explain my credit drop of 20pts, in which I consulted with my peers in XXXX, they were as confused to see that my credit score had dropped 20pts for no apparent reasons, the responses from Experian have been shall we say, deceptive to the point of ignoring the request for an explanation of the credit score drop. 
I would like to have Experian explain why I am on a special status list for consumers? It requires time and different agents to speak too about my credit profile with Experian. Again, I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws, and I will use the full extent of my legal rights to protect and get my credit profile fixed according to The Fair Credit Reporting act. 
On complaint XXXX Experian has stated erroneous and false statements and it seems who has responded is not versed in credit laws or credit rights, My attorney provided Experian with recent XX/XX/XXXX information pertaining to this authorized user account, while Experian is using old outdated account information from XX/XX/XXXX, which again they are ignoring information from the data furnisher XXXX from XX/XX/XXXX, they have requested this information on complaint XXXX and they will review it. 
My attorney provided this information on the 1 st legal letter that was sent to Experian, I have provided this information on complaint XXXX and XXXX from the data furnisher XXXX that they report to the 3 major credit bureaus, perhaps Experian would like to explain their actions under a legal court hearing? 
As I have stated before I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws. Attached again for the 4 th time is the data furnisher XXXX that they report to the 3 major credit bureaus, all responses on my credit profile are again being documented and will be researched according to The Fair Credit Reporting act. 
Thank you XXXX XXXX XXXX Correspondence Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX, Az 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 2018-07-04 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: DE

Complaint narrative:
Routine check of my credit file # XXXX indicated on XX/XX/17 Equifax released by credit file to XXXX for no permissible purpose. This was an unauthorized an illegal release of credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Federated Law Group
State: NJ

Complaint narrative:
A demand letter dated XX/XX/2018 was received from Federated Law re : XXXX XXXX credit card debt. 

This account was under debt management. 

I notified XXXX about the letter dated XX/XX/2018 and XXXX has removed this account from debt management as a result of the letter. 

Federated Law has requested that I inform XXXX XXXX about payment. On XXXX.18, I spoke with XXXX ( Federated Law representative ) and she requested that I call XXXX as she could not discuss matter further. 

Federated Law and XXXX XXXX have been notified of their individual actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
On XX/XX/2018 I received letter about a debt that Halsted Financial Services claimed I owed. On XX/XX/2018 I called them and asked if they could show me proof and validate the debt. They said they could email it. I gave them my email address and they sent me the same letter that they sent via USPS assuming I would believe that's proof. I said that I need something from the original collector which is a hospital in this case. They then cut me off and tried to change the subject asking how I was going to pay. They transferred me multiple times before putting me on hold and hanging up on me after about 20 mins of hold time. I call back and get transferred to a supervisor. I ask them how they can legally collect a debt they have no documentation on and eventually she hangs up on me as well. After these conversations I received 3 back to back calls from numbers in various cities in Florida where I live, 2 within a minute at XXXX and another at XXXX. I have been getting these calls for days and have ignored them because they are unknown numbers. Since I got 3 I decided to call one back inly to find it was XXXX XXXX all along. So not only are they calling me every day sometimes at odd hours, they are also calling back to back to be rude. All I asked for was proof that this debt is real. I have heard many things about these companies trying to collect debts that are not real. All I want is proof. Attached are phone records of the 3 back to back calls and the email they sent which supposedly " is validation of debt '' that has no documentation of original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A demand letter dated XX/XX/2018 was received from XXXX XXXX re : Capital One credit card debt. 

This account was under debt management. 

I notified XXXX about the letter dated XX/XX/2018 and XXXX has removed this account from debt management as a result of the letter. 

XXXX XXXX has requested that I inform XXXX XXXX about payment. On XXXX.18, I spoke with XXXX ( XXXX XXXX representative ) and she requested that I call XXXX as she could not discuss matter further. 

XXXX XXXX and XXXX XXXX have been notified of their individual actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XXXX. {$290.00}. Included in filing of Chapter XXXX Bankruptcy. Unsecured debt discharged XX/XX/2016.

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 2018-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear Sir, I have paid off my complete balance amount and closed the individual citi bank credit card on XX/XX/18. Again, citi bank came up with foreign transaction fee and statement generated on XX/XX/2018. As per the statement, I have paid foreign transaction fee on XX/XX/2018.  But, Citi bank has tendency of destroying transactions and stopped generating statement for the amount paid on XX/XX/2018. I have been waiting for the XX/XX/XXXX statement and transactions taken place on XX/XX/2018. I checked online account and also USPS mail, there are no transactions displayed in my account between XX/XX/XXXX and XX/XX/2018, also no statement generated between XX/XX/XXXX and XX/XX/2018, complete my transaction details missing. I called up CIti bank customer care and their response is not appropriate and unsatisfactory. I am not sure, why Citi Bank causing troubles to customer and every last statement and transactions missing in my individual closed credit card. For any kind of fraud and tampering my individual credit cards, citi bank holds the legal accountability and responsibility. Could you kindly direct Citi Bank to update my XX/XX/XXXX Statement'XX/XX/2018 and transaction online for individual credit card, send me on copy of XX/XX/2018 statement over the postal service and also attach the XX/XX/2018 statement to Consumer finance protection bureau complaint 's 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 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.

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 2018-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
I have had a problem with XXXX and ended up filing a complaint with the Florida State Attorney General. Case # XXXX XX/XX/XXXX. 

The issues I have had with XXXX have been horrendous. 

I have tried to settle this issue with XXXX since then. 

On XX/XX/XXXX I again tried to settle this with XXXX to no avail. They denied my payment. After a long back and forth e mail with XXXX ( which I can provide ) in which I advised XXXX they did not have any permission to charge anything to any credit card they might have on file because I was disputing the fees and charges, they attempted to charge my XXXX XXXX. Which thankfully XXXX XXXX denied, closed my account, and sent me a new card and account number. XXXX tried to charge my card on XX/XX/XXXX, after I advised them not to do so! 

Any attempt to deal with XXXX has met with negative results. It took my over 3 months to get a bill from them to even to begin to dispute the charges. 

Now I get an alert that this company, GC Services, has placed a collection account on my credit reports. I do not know where they came from. I have never heard from them or about them. ( I have had the same number for 10 Years ). Not once have I been contacted by them in any way, either U.S mail, e-mail or via cell phone.

I do not know how they can randomly ruin my credit without me even knowing who or what they are. 

I feel I have been violated and I want to pursue any and all legal actions against XXXX as well as XXXX XXXX to the fullest extent of the law. 

I understand I will need to contact an attorney, and I will do so as soon as possible. 

I feel GC Services needs to remove these items immediately as they are incorrect.

GC Services is not known to me I have never been contacted by them or what they are and they should not have the power to ruin my financial livelihood.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XX/XX/XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express attempted to call me on XX/XX/2018 and again on XX/XX/2018. The first call was missed. The second call on XXXX I answered. The reason for the call was because a payment was past due by 6 days. If this happens again, this account will be turned over to a debt consolidation company where no immediate contact with the cardholder will be permitted. I would advise that people listen to the telephone conversation which was illegally recorded. American Express claims that I'm not willing to work with them. What American Express doesn't understand is that I'm more than willing to work with them, but when certain representatives don't act in a professional manner, I'm not willing to work with those individuals. American Express should not assume that anyone is going to work with people who aren't fit to be in customer service. If American Express isn't willing to resolve this issue by getting respectful people who are respectful to people on the phone, then American Express is the reason why people make it difficult to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: PA

Complaint narrative:
I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.

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 2018-07-04 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 have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX  college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.

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 2018-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Regarding Citibank Double cash Transfer Promotional Offer. New accoint open for the purpose of this benefit. False marketing and citibank manager XXXX told me they will not meet the terms if check isnt processed by a specific date. 

On XX/XX/2018 I wrote a new account citi bank check ( *credit card check to pay off debt ) to  XXXX to pay a " promotional '' transfer of zero %, interest of {$800.00}. Since that date I've been watching for this transfer take place. Each time Ive looked Citibank card still shows a balance XXXX/not reflecting the amount i wrote the check for. I have not heard from XXXX that the balance transfer or payment did not go through and its been a month now. * ( Kolhs account still displays XXXX owed, no one from XXXX has told me there was an issue with the check ). 

Today, XX/XX/2018, I called citibank. XXXX CSR said " they had nothing to do with it '' and basically he and his manager pointed their fingers at XXXX. Telling me my offer will expire and not Citibank 's problem. 

I was also told that they will not honor the promotion if XXXX does not cash the check before the XX/XX/XXXX. They did not offer a solution.. nor did they offer to extend the offer .did not offer to contact XXXX to help find a remedy. 

As a consumer i did my part. I wrote the check, gave it to the cashier at XXXX.. thus same check did not work at Chase online either however i paid cash for that account. 

XXXX the escalations manager was extremely rude reciting the same thing the CSR XXXX said.. volleyball-ing blame to XXXX.. who they say needs to cash the check already.. telling me if it doesn't cash before the XX/XX/XXXX i will not get promotional offers. I'm not happy and feel my credit took a hit applying and getting approved for something i am not going to receive. False Marketing.

I feel that this is Citibanks issue since the check was cashed by XXXX..* ( called manager already he looked ) and citibank is shifting the blame. The promotional offer will not be given..if the check isnt cleared in their system by 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 2018-07-04 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: TX

Complaint narrative:
After checking my report with Experian I found several accounts that either weren't mine or had been re aged. I started disputes and successfully moved them from XXXX and XXXX XXXX however Experian wont remove them. They give no details on the investigation and just simply state " That the dispute has been investigated and updated '' yet the accounts remain. When I call they seem more concerned about selling me products and services rather than resolving my issue. After refusing the purchase of services I just get transferred and sit on hold for 45 minutes to an hour.

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