vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MA

Complaint narrative:
Here is a copy of the letter I sent to the debt collector : I received a demand for dept on a XXXX account that I closed and XXXX kept open without my authorization. I hereby notify you that XX/XX/2018 is the first demand for payment I have received and require the following : Proof of my agreement to pay the original creditor and history of my conversations on file disputing this claim with XXXX and chat history with XXXX ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I note you have reported to me to my credit agencies and demand you remove this immediately before I take legal action against XXXX. 

I dispute this charge because I cancelled my account and tried multiple times to resolve this continuing charge from XXXX with XXXX. They could not help me several times because their systems were down but promised to rectify the debt that I did not owe and would call me back if not resolved. I never heard from them and now am taken to collections? I do not owe any money to this creditor. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello - I contacted Capital One Bank who purchased ING Direct to  obtain copies of statements for my 2 accounts from XX/XX/2007 through close of the account. 

One representative provided the statements that I needed via fax. 

When calling back yesterday to obtain a few more statements the representative, XXXX EID # XXXX in MN, would not provide them to me. 

She said that while the statements are there, she would violate a Capital One policy of providing them to me. I asked to speak to her manager, and she denied the request. 

This makes no sense given that one representative provided the necessary documents, but she won't. Can you please help me address this situation. 

Best Regards, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Removal of fraud alerts and extended fraud alerts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 at XXXX I was contacted by a XXXX  man named XXXX claiming to be part of National Credit Systems , Inc . He told me some information about me like the last four of my SSN, my car make and color, my security deposit amount at my previous apartment, and my previous address. He then said I had an outstanding balance of {$890.00} still owed to my apartment complex I had moved out of at the end of XXXX. I had settled this balance with my apartment company previously and my check for the amount he stated minus deductions made by the apartment manager had been cashed already. The man tried to get me to give my credit card information over the phone to pay for my outstanding debt, which would supposedly help me avoid a hit on my credit report. After hanging up and calling my former landlord, I have no outstanding debt to them and they reported to me they never filed for collections or bad credit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I placed a freeze on my accounts in XX/XX/XXXX and in XX/XX/XXXX Transunion let a stranger create a fraudulent login to my online account despite the freeze. This person was able to go as far as to create security questions and emails that would prevent me from entering my own account - despite that I had placed extra security measures on my account already. When I tried to handle this, they would not provide me any information as to how this occurred, or any information about what this fraudster had done with my information.

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 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CitiBank refused ( per XXXX XXXX letter dated XX/XX/2019 ) to credit my secured XXXX account ending in XXXX for a {$56.00} charge made on Friday XX/XX/2019, for a rental car from XXXX   XXXX on Saturday XX/XX/2019. The payment was made in advance to XXXX. XXXX   XXXX refused to accept my CitiBank debit card ( although their website clearly states that they honor them, see exhibit 01 attached ) to cover their fees which totaled {$21.00} and therefore I was not able to rent the vehicle that I paid for in advance via the XXXX website. I presented my secured CitiBank XXXX to cover their {$200.00} refundable deposit which is the maximum funds allowed by CitiBank. I contacted a CitiBank representative at XXXX XXXX ( EST, see exhibit 02 attached ) for assistance in this matter ; however, they refused to increase my secured XXXX credit limit to cover the {$21.00} charge. CitiBank then refused to honor my request to credit my account for the {$56.00} charge due to the fact that no service was provided as a result of false advertising by XXXX XXXX although I was told by XXXX on Wednesday XX/XX/2019, at approximately XXXX XXXX  ( EST, see exhibit 03 attached ), and XXXX on Wednesday XX/XX/2019, that my account would be credited for the full {$56.00} ; also See NY Attorney Generals file # XXXX. In addition, I spoke with their Supervisor/Account XXXX XXXX on Monday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 04 attached ), who was very rude, unprofessional, and exhibited a nasty attitude when she stated that the NY Attorney General couldnt help me! She did not even take the time to review my account information. Her nasty and unprofessional attitude explains why CitiBank has earned an F rating with the NY XXXX XXXX XXXX. On Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 05 attached ) I canceled this account via telephone ( there is no way to do it online per the male representative ), and was told that I would receive my final statement via snail mail. My account is still open and accruing fees as of todays date.

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 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I thinks someone made a fake capital one account with my personal information on it. The credit report is saying Im an authorized user, but Ive never signed up for capital one or have I ever owned a major credit card. Its hurting my credit score. And I cant resolve it because I dont know the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A fraudulent charge was made on my Bank of America credit card on XX/XX/XXXX by the merchant : XXXX XXXX XXXX XXXX in the amount of {$290.00} for work that was never done on my computer on that day. That card was cancelled in XXXX of XXXX and a new one issued which was later cancelled by Bank of America credit card corp. due to the dispute over the charge. The merchant ( XXXX XXXX ) admitted to me to making the charge on my credit card but said it was a 'charge error ' for work he did on another customer 's computer and said he would refund me the charge XXXX {$290.00} ) but never did. He repeatedly lied to me that he would refund the money to me for over a year! I took him to small claims court in XXXX XXXX and got a judgment against him for {$450.00} on XX/XX/XXXX of XXXX ( Case no. XXXX ). He never showed up to court. I also found out when filing the papers with the 'file clerk ' for the small claims court that XXXX XXXX had over {$30000.00} in judgments and claims against him and one was with Bank of America for {$6500.00}! He now has over {$32000.00} in judgments against him, including now a {$6800.00} judgment against him with Bank of America : ( Case no. XXXX ) He never showed up to those trials either. In spite of all this, Bank of America, will not honor the judgment I have against him by removing the charge from my credit report with the various credit reporting agencies : XXXX XXXX, and XXXX XXXX. XXXX did remove the charge from their files. So I am also filing a complaint against XXXX XXXX, and XXXX XXXX in addition to my complaint against Bank of America Credit Card CorpXXXX XXXX XXXX, the company he had used to handle his financial/billing transactions for his computer repair service company told me that he is not allowed to make anymore financial transactions with them and he now has a 'negative balance ' with them and he has admitted to them that he has received 'fraudulent transactions ' from another source! Bank of America Credit Card Corp. said they did a 'thorough review ' twice and still state that it was a legitimate charge made by the merchant ( XXXX XXXX ) on my credit card for work he never did on my computer on that day!! If you have any questions or need additional information please let me know as soon as possible. I am demanding that Bank of America and the various credit reporting agencies remove that charge of {$290.00} and all penalties and interest from my credit report with them immediately! My address is XXXX XXXX XXXX, XXXX, CA. XXXX. Phone number : XXXX Thank you for your attention to this matter. 

Sincerely, 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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, OH XXXX is my current address my DOB is XX/XX/1973 my SS is : XXXX I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have had to change my number twice due to obsessive calls starting from 6 am to 10 pm at night. Multiple XXXX numbers and now numbers very similar to my own call all day. Theyve identified themselves as Hunter Warfield Inc. 
My name is XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: NV

Complaint narrative:
On XX/XX/2019 I received an alert from XXXX that I had a collection on my report. The collection was added by a company called Trident Asset Management. I called the company and they stated that they could not find me by my name. I looked into the debt on the XXXX credit report and noticed they stated it was for {$40.00} and that the original creditor is XXXX, XXXX. I am a current customer of XXXX, so I knew this can not be correct. I called XXXX and they stated that since all of their products are pre-paid, they do not send people to collections and that this is most likely fraudulent if it is being reported that way. I have never received any written communication from Trident and they would not provide me information when I called because my name " was not in their system '' - After some research online, I believe this is a scam. I've attached my complete order and payment history showing the payments were pre-paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: OH

Complaint narrative:
NEW YORK HIGHER EDUCATION SERVICE XXXX : Notice for # XXXX Proof of Claim Account : XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of  other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract BETWEEN XXXX XXXX # XXXX and NEW YORK HIGHER EDUCATION SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Midwest Recovery Systems
State: AL

Complaint narrative:
Midwest Recovery reported a collection on my credit report on XXXX19 of XXXX. I have not done business with this company, nor received communication of this debt. when asked for validation of debt no information was validated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I have tried numerous times to apply for a XXXX XXXX Discharge and kept getting the run around. I am XXXX XXXX XXXX and unable to work. They are in the process of taking out 15 % of my monthly XXXX check to pay them back. They are refusing to assist me. The claim I am not XXXX. I have tried to apply for a total and permanent discharge. They used vulgar language and scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CITIBANK, N.A.
State: MN

Complaint narrative:
XXXX  merely verified that the account in question, SEARS, listed the amount past due correctly. My complaint was that I did not owe SEARS the amount as the account was XXXX   when the items were returned. SO I didn't owe SEARS any money at any time. XXXX   completely did not understand the issue. SEARS needs to fix the bookkeeping error. Item was a dryer. Purchased in XX/XX/2018. Returned XX/XX/2018 because it took SEARS that  long to get someone out to pick it up. The company was at fault. Meanwhile a {$27.00} payment came due and the account never got credited or updated to eliminate the {$27.00} payment that was no longer owed due to the item being returned. I have a letter from SEARS crediting the account but it is not in the statement. It is simple billing error and no one is following up. It just takes one genius ... .please if you're out there this is an easy one ... none  of the customer service reps can follow what I'm saying and my credit has been ruined. It's true SEARS has that amount listed. However, it is not true that I owe it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Receiving multiple preapproved credit card applications for a person who doesn't live here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/2019 I submitted a complaint to Navient that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from Navient stating that I was in derferment/forebearance. Navient rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The Navient rep I spoke to ( XXXX XXXX ) stated that Navient is not required to follow FTC advisories. I have attached the email correspondences along with my statement from navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FACTUAL DATA CORP.
State: MN

Complaint narrative:
in applying for mortgage the company pulled credit reports fro XXXX XXXX XXXX and XXXX. all good, they also pulled factual data that lists a judgement from Indiana from XXXX. I have not lived in Indiana since XXXX and never was notified of a court proceeding. I think that this is either fraudulent or incorrect and it has caused problems with obtaining a mortgage. How can I get this removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank has also refused to close my checking account number ending in XXXX which I cancelled and was given a verbal confirmation on Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 01 attached ). In addition, they continue to debit my account for charge-backs ( totaling {$1200.00} ) associated with a company called XXXX , XXXX., although their representatives have stated on Friday XX/XX/2019 ( XXXX ), at approximately XXXX XXXX ( EST, see exhibit 02 attached ), Thursday XX/XX/2019 ( XXXX, # XXXX, at approximately XXXX XXXX ( EST, see exhibit 03 attached ), Thursday XX/XX/2019, and Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 04 attached ), that that merchant was blocked from removing funds from my account per my multiple request. In addition, I received a written confirmation from XXXX that my account with them was deactivated ( per my previous online request ) on Friday XX/XX/2019 ( see exhibit 05 attached ). This account is still open and accruing fees as we speak.

I am currently ( and have been for a week ) not even able to review my account information online as I am seeing a progression icon after logging in ( see exhibit 06 attached ).

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