vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I called to report a card lost. The agent closed my account instead, without my authorization. In the time since, I have received multiple mixed messages. I was told that my account was close due to fail to reissue, that my account was closed because I closed it, and that my account was n't closed and I would get a new card i  n 48 hours.
I just got off the phone with a diferent manager and was told that the ban    XXXX   decided to close my card effective  XXXX  and that would not be reissued a new card.     I have been a customer with Citibank since   XXXX  . The multiple mixed messages, poor communication skills of the customer service representatives, and the arbitrary nature of detemining whether to reissue a card is unacceptable.

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 2017-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
VICTIM OF IDENTITY THEFT AND THIS HAS BEEN ON MY REPORTS.I HAVE NO KNOWLEDGE OF THIS ACCOUNT.PLEASE DELETE THIS DEPT THAT 'S IN MY NAME.I HAVE NOT HAD SERVICE WITH THIS COMPANY IN THE REPORTING TIME FRAME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
In  XXXX , Beneficial added more debt- They just added {$360.00} to my balance, it said lender advanced??   and they added {$34.00} for home insurance ( for no-home ) and {$49.00} for taxes- ( that I pay every year? ) and upped my payment {$130.00} a month.   They wont let me pay it down, every month it goes up.   I paid it down to {$9000.00}, but this month it is {$10000.00}, these guys are crooks.   They continually up my payment and add more debt. EVERY month!   THERE IS NO HOME TO INSURE ON THIS PROPERTY!   Since I made a complaint to CFPB they are getting worse punishing me for complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I requested validation of a public record on my account which  XXXX , Transunion and  XXXX  all sent me a letter stating they received information from a  3rd party stating that the 3rd party verified it I contacted the 3rd party which  is  XXXX   XXXX  and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the TN F ED BK  verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!

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 2017-05-27 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: TN

Complaint narrative:
I requested validation of a public record on my account which XXXX XXXX and Experian all sent me a letter stating they received information from a 3rd party stating that the 3rd party verified it I contacted the 3rd party which is XXXX XXXX and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the XXXX XXXX XXXX verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!

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 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
I have a credit card account with Bank of America. They state in their Credit Card Agreement that they are subject to the laws of the State of North Carolina. I have read that they can close my account for any reason which they did. But they did not tell me what the reason was. I have never missed a payment and I am still making payments. I believe my account was closed because I used the Credit Card in   XXXX   XXXX    in  XXXX . Right after I made this trip they closed my account. I have never been delinquent.

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 2017-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MI

Complaint narrative:
Regarding collection agency I requested proof from LJ Ross Associates to provide me with contractual proof that either they have a right to collect on behalf of the original debtor (  XXXX   XXXX   XXXX   )  or that they own the debt itself and I have gotten nothing from this company. In order to collect the debt, they have no license in the state of Michigan and is not bonded in the state of Michigan. I have looked in the state of Michigan licensing to verify if this company has a license and I could not find one. Do they have a right to collect or not?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Delta Management Associates, Inc.
State: FL

Complaint narrative:
Delta Management, is tr ying to collect for   XXXX   XXXX  . The accounts are extremely obsolete and should have been deleted from my credit report at this time. The company has fraudulently re-aged the accounts . Delta Management s ent me numerous letters by mail at  one t ime and continuously contacted me when I asked them repetitively to stop all forms of contact. They have contacted my mother which I do not know how they obtained her phone number and they continuously contacted her after being told not to conta ct her.Then, th ey contacted her  XXXX  organization, contacting the Bishop of their  XXXX  in which I never had any affiliation with, asking if I worked for the   XXXX   XXXX   XXXX   XXXX  . and several other questions. I do not know how they obtained this man 's phone number, to question and harass him. Then when he saw my mother in front of their congregation, he informed of this call and asking her why this company is contacting him. I have never worked or had any affiliation with this  XXXX . Then they had the audacity to send me a demand letter for notice to prior wage garnishment, Then in the prior to wage garnishment, they had the audacity to threaten me and say if I did not sign and return, they would again contact the organization The   XXXX   XXXX   XXXX   XXXX   that I have never worked for or had any affiliation. I have nothing to do with this organization. This was extremely humiliating, stressful and harassing for my mother and myself and the  XXXX   Bishop  was extremely upset for the contact.

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 2017-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: ID

Complaint narrative:
They have called from personal cell   XXXX .phone numbers called multiple times in a day called my work number after being told not to call Phone logs available. Sent there vice VP into my work even after being told not to call making field visits to  my office! Leaving detailed messages on the voicemail. Voicemails also have been saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company is trying to collect on a debt that I do not owe or have any knowledge of. This company removed the debt from my credit file and added back on the same exact day. They have not forwarded any proof bearing my signature connecting me to this debt. Per FCRA they was supppose to notify me in writing that the removed debt will be added back to my credit file within 5 days and they failed to do so. This company is in direct violation of federal laws, also I sent a validation letter to asking for proof of this debt and have n't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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:
REPORTING FRAUD ON T HE  XXXX  MAJOR CREDIT REPORTING AGENCIES. 1. EXPERIAN   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  / 2.  XXXX    XXXX   XXXX   XXXX   XXXX  , GA  XXXX . 3.  XXXX    XXXX   XXXX   XXXX   XXXX  , PA   XXXX   / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE STATE MEDICAL INSURANCE. I BECAME   XXXX   IN SECOND MONTH OF  XX/XX/XXXX . ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY   XXXX   XXXX   XXXX   XXXX   XXXX  . PASS AND PRESENT. 1.   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 2.    XXXX   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER    XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 3.   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX   XXXX   XXXX   XXXX   ) ) )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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:
REPORTING FRAUD ON TH E   XXXX   MAJOR CREDIT REPORTING AGENCIES. 1.  XXXX    XXXX   XXXX   XXXX   XXXX  , TX   XXXX   / 2. EQUIFAX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX . 3.   XXXX     XXXX   XXXX   XXXX   XXXX  , PA  XXXX  / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE   XXXX   XXXX   XXXX  . I BECAME  XXXX  IN SECOND MONTH OF  XX/XX/XXXX . ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY   XXXX   XXXX   XXXX   XXXX   XXXX  . PASS AND PRESENT. 1.   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 2.   XXXX   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH XX/XX/XXXX  / 3.   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX   XXXX   XXXX   XXXX   ) ) )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
This complaint is about a series of 8-10 envelopes that were sent to me by DSRI, which you will find attached to this complaint. The envelopes with the exception of one of them contain bar codes ( which represent numbers ) and QR codes, this is a major violation of the law 15 U.S. Code 1692f ( 8 ) - Unfair practices. I tried to resolve this matter with DSRI, but no one has reached out to me to address the issue.
<P/><P/>
15 U.S. Code 1692f - Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
<P/>
Please find the burden of proof attached.
1. Envelope violations with QR Code and Bar Code 2. Complaint And Demand Letter Both have been sent to DSRI, no response ...
3.   XXXX   v.   XXXX    Case Law Attached Please consider that if the following is happening to me it is happening to thousands of other just like me and I ask that the CFPB take this complaint seriously and even escalate this to the special investigations unit.
<P/>
I do not wish to dismiss this case and file a case in civil court and have to hire an attorney, which DSRI would end up paying for. I think we can manage to settle this matter before a class-wide resolution is needed.
<P/>
It is in the public 's best interest for the CFPB to investigate this matter as it will provide greater transparency into how debt collection agencies break the law and greater transparency into how DSRI conducts itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
In    2011 R esurgent Capital Services bought a debt from  XXXX   XXXX  and I advised both companies that the debt was not mine and the account was opened illegally. I 've disputed the item several times with all   XXXX   major bureaus and the debt always comes back as verified which is strange because when I talked to  XXXX  at  XXXX  in the fraud department she advised me that she could not send me validation of the debt because it was sold to  Rsurgent  i n 2011. I c ontacted Resurgent several times over the years asking for verification and each time I 'm told I 'll receive it in the mail but nothing ever comes. This negative item on my credit report has been the reaso n I   XXXX  denies employment, credit, and pay higher premiums in insurance. For years know this company has been trying to collect on a debt that does not belong to me. I 've suffered from major headaches. High level of anxiety because of this. This company  XXXX  hi all and illegal practices that needs to be stopped. I had to pull my daughter out of her private school and send her to public school because I was denied a student loan for her. This company has turned my life up side down.   XXXX   sent me a letter stating, '' This is attempt to collect a debt ''. This is the only letter I receive when I request validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
I was called on  XXXX   XXXX ,  XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution  Cash Advance  and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX     told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by  Cash Advance . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their  XXXX  company on my bank statement known as  XXXX   XXXX   XXXX . I contacted them on  XXXX   XXXX ,  XXXX  and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from   XXXX   XXXX   and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted    XXXX   XXXX    and the agent  XXXX   XXXX  contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of  Advance America  who bought out  Cash Advance . They said they sold the debt to a collection agency who went out of business in  XXXX . My small debt was   XXXX  years old . They also advised me to contact the  XXXX , FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from  XXXX   XXXX   XXXX . Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: TX

Complaint narrative:
The accounts below are not mines and should have been removed.         XXXX   XXXX   XXXX   Opened  XXXX   XXXX ,  XXXX  {$5900.00} Original creditor :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Closed :  XXXX   XXXX ,  XXXX  {$4100.00} Closed  XXXX   XXXX    XXXX   Closed :  XXXX   XXXX ,  XXXX  {$1400.00} Closed This account below is more tha n 7 years old an d should be deleted.        XXXX   XXXX    XXXX   XXXX   Last reported :  XXXX   XXXX ,  XXXX  {$3000.00}

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 2017-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Recovery Systems
State: MI

Complaint narrative:
I keep getting collection calls for a " XXXX XXXX XXXX '' ( have only heard it, so it might be spelled differently ). I am not this person, nor related to this person, nor know this person. I have called the company before and told them they have the wrong person. However they continue to call and have called for more than a year now. <P/>Here is one of the latest voicemails from ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXX : " This message is solely intended for XXXX XXXX. This is XXXX calling you from CRS. This call is in regards to a legal matter that has been linked to your name and social. If you 'd like to make a formal statement, please contact our office at XXXX. Make reference to case number XXXX. '' Another voicemail from ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXX : " We 're calling today with XXXX XXXX XXXX looking to get in touch with XXXX XXXX XXXX. It appears we have a scheduled delivery of sealed legal documentation that requires a signature and form of id. We will be out between the hours of XXXX and XXXX tomorrow XXXX. If you 'd like to reschedule or have any questions please press 1 and a live representative will be right with you. Thank you. '' Another voicemail from ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX " We 're calling today with XXXX XXXX XXXX looking to get in touch with XXXX XXXX XXXX. It appears we have a scheduled delivery of sealed legal documentation that requires a signature and form of id. We will be out between the hours of XXXX and XXXX tomorrow XXXX. If you 'd like to reschedule or have any questions please press 1 and a live representative will be right with you. Thank you. '' Other phone numbers used with similar messages : ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX I told them they had the wrong person on XX/XX/XXXX. I was told they would remove my number.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OR

Complaint narrative:
Last month, I changed my bank account on my Elan Financial Services credit card. I have had autopay setup for a year or more and simply changed the account associated with the autopay . Elan skipped  my autopay on  XXXX , and I reached out to correct them on  XXXX  and they refused, despite it being their error. I repeatedly asked them to correct the autopay error, most recently today, and they refuse.

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