vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I was sent a refund check by Citi Card Add-On Remediation dated XX/XX/2018 in the amount of {$730.00}. I did not take it to the bank immediately and forgot all about it until I was going through some papers while on quarantine. I did not cash the check and it expired after 180 days. I immediately called the number on the back of the letter, XXXX, which is no longer in service. I then called XXXX several days in a row and was literally on hold for hours each time. On XX/XX/XXXX I sent @ Citi a tweet and got a quick response. I explained that I would like to be reissued the check. I also attached a picture of the check as well as the letter. I was told to check with unclaimed funds ( I did and it was not submitted ). I was then provided the XXXX number again and I called. I spoke with both an associate and a supervisor and was told by the associate that I would have to contact the company that issued the check. Citi did issue the check. The supervisor told me that if I did not have an open account, they could not help me.

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 2020-05-22 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 — Problem with personal statement of dispute
Company: ERC
State: IN

Complaint narrative:
I've spoken to XXXX several times and a majority of the time the reps are very rude.. My last call was XX/XX/XXXX, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor Enhanced Recovery that the XXXX   claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from Enhanced Recovery. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is XXXX XXXX  duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I've spoken to XXXX  several times and a majority of the time the reps are very rude.. My last call was XX/XX/21, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor XXXX XXXX that the XXXX   claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from XXXX XXXX. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is XXXX  's duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me

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 2020-05-22 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: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
According to the Pennsylvania Department of Transportation 's Repossession Laws, the Creditor, XXXX, was to follow laws put in place to protect their business and myself. The law states that I should have received a letter notifying me of the repossession allowing me 15 days to try and recover the vehicle before auction, and second, I was to receive a letter after the auction that stated the sale price and the new deficiency. XXXX DID NOT SEND THE LETTER which means they are not in compliance with Pennsylvania Laws. For that reason, for an error on their part, the repossession should be removed from my credit file because they are not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was late on a Macy 's credit card bill 35 days. The amount was less than {$100.00}. I did not know I was late because I did not receive a phone call, email or mailed statement alerting me. I rarely shop there but have had my account for over 20 years. I have never been late. I received a notification from XXXX   that Macy 's had reported my account as delinquent. I immediately paid the bill in full and contacted Macy 's collection department requesting that they remove the filing based on my relationship with them and my impeccable payment history. They refused. In my opinion they are violating the Fair Credit Reporting Act.

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 2020-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
For the year XXXX  I was insured with XXXX XXXX. On XX/XX/ we XXXX  our son XXXX XXXX, Which was insured under my wife insurance. XXXX XXXX. 

Most of the bill the hospital charge have been paid after going to appeal process. 
We meet the maximum out to the pocket contribution for the year. Therefore XXXX XXXX is Obligated to pay. XXXX XXXX has not being consistent on the way they pay providers therefore this account is unpaid. 

I open an appeal case XXXX XXXX acknowledge the mistake. Therefore I am not liable for this debt. XXXX XXXX agree to make the payments necessaries to XXXX XXXX Hostpital

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 2020-05-22 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my credit file. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff on the XXXX XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection has been paid-in-full and needs to be deleted from my credit report. I have attached a copy of the letter dated XX/XX/2020 from XXXX showing this account has, in fact, been paid-in-full. Please remove this line item from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I send payments to this company every month at the same time I pay my first mortgage payment. Always they say I am late or they didn't receive my payment. Then they add late fees and threaten foreclosure. I have even sent them two extra payments and they claim I am behind again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
The Credit Card was compromised on XX/XX/2020. Was reported on XX/XX/2020. Payment was stopped on XX/XX/2020. Capital One Customer Fraud Protection, XXXX ( ph XXXX Ext XXXX ) found no instance of fraud on XXXX and recharged the {$270.00} from XXXX XXXX to the replacement Credit Card # XXXX XXXX XXXX XXXX. 

The original order was purchased under an email address other than mine, thus I never had contact with XXXX XXXX about the purchase nor had I ever purchased anything from them. The original card was never lost, information was stolen some other way. The unknown purchaser did not override the mailing address on the card thus the purchase was mailed to the address on file with the Capital One Card to me. Days later I received the package from XXXX XXXX. I was unable to contact XXXX XXXX for several days to return the order which I did not place. They did not return any of my calls. Informed Capital One of the problem and was informed not to worry about the return. They would take care of it. 

The {$270.00} was recharged to the new card on XXXX and I contacted Capital One again and closed the replacement card. Tried again to contact XXXX XXXX and succeeded. They understood the problem and forwarded a return label and stated they would process a refund when the product was returned. Received an email from XXXX XXXX XXXX stating the refund had been processed. Capital One never received the refund. Checked back with XXXX XXXX and they emailed on XXXX to contact Capital One and " request for the chargeback to be reversed. '' Contacted Capital One and was informed " such a thing didn't exist. '' XXXX XXXX now has the product and the {$270.00}. Capital One will not credit my account even though the purchase was fraudulent in the beginning. 
As further evidence that it was fraud ; another charge occurred at the same time and was resolved without an issue. 

I'm in the process of filling a Fraud complaint with the Federal Trade Commission about XXXX XXXX, in the meantime I'm stuck with Capital One threating late fees for none payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my credit file. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
I am getting calls every morning between XXXX and XXXX CST while I am at work. I am not supposed to use my personal phone on the clock and can not have personal calls on the work phone at all. I have told NCB Management, who has my XXXX XXXX XXXX repossession debt, that I am at work from XXXX to XXXX Monday through Friday and that I am not supposed to take personal phone calls at work several times. I have been doing my best to work with them anyway on paying {$50.00} per month. Now I'm being charged {$50.00} a week, which is every paycheck. I don't remember asking for that specifically. They say it's because they are trying to keep my credit from being damaged or I would have to pay {$200.00} per month other wise to keep my credit secure. The repossession of my vehicle was back in 2017. NCB Management is getting on my nerves now that XXXX XXXX XXXX passed my debt to them. I have had enough! 

Furthermore, when they call, they immediately ask for my name, and I am not identifying myself until I know who and what company is calling and for what reason. I get lots of scam and spam calls doing the same, and NCB never calls from the same number. I want to fix this and my credit, but I can't when NCB does all this and tries to control my finances to their benefit even when it hurts me. Pretty sure all that is illegal from what I have read.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have disputed this account numerous times with XXXX  as well as reached out to Citibank to report the inaccuracies of the original first delinquency date. The most recent time I have disputed with XXXX  to report inaccuracies was XX/XX/XXXX and called Citibank and spoke with a XXXX to inform of the inaccuracies on XX/XX/XXXX as well. XXXX updated my credit report on XX/XX/XXXX with the status of account paid for less than the balance along with charge off status and line of credit type of loan. I received a letter from Citibank on XX/XX/XXXX stating that their records are accurate of the original first delinquent date. I have documentation proving my case that they wont acknowledge that I have submitted.

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 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Since last XXXX, I have been having problems with my capital one credit card. 

They, without reason, blocked my personal and corporate credit card of my company and also access to my online account. 

After many complaints, I have not been able to solve it since capital one needed to verify my identity, sending a code to my cell phone. The issue is that I don't live in the USA and I don't have a phone in the USA. 

According to capital one, it is the only way to verify my identity. After filing a claim with the Consumer Financial Protection Bureau, I got them to call me on my phone ( in XXXX, where I reside ) and they gave me the opportunity to send a photo of my passport ( the only document that the United States government requires - Migration Ofice - to enter the country ) and my account and credit cards were restored. 

But now, again without cause and surprisingly, my cards and access to my online account were again blocked. It really is a real nightmare since I have been a client of Capital One for 18 years, with an excellent record. 

In addition, due to the covid-19, I have had to return tickets, hotels and XXXX that I had contracted for XXXX, so I have a balance in my account, which I can not use. I request that the problem be solved by unlocking the credit cards and access to my online account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I was contacted by Southwest Credit Systems around XX/XX/XXXX and was advised it was an attempt to collect a debt and they needed to verify my information before telling me what the call was about or any information at all. I advised them that I'm not providing info over the phone and I never received a letter about any debts owed to them. The caller hung up. I received various calls from the same number ( XXXX ) so I continued to block the calls. They then called from a Texas number with area code ( XXXX ) where a man with an accent did the same thing. I verified my DOB and he transfered me to someone else. I spoke to someone named XXXX and she said it was a balance from XXXXXXXX/ XXXXXXXX cable from XXXX. I advised her I was not aware of any debt and we currently have XXXX  in my husband 's name and its been like that since we've moved here in XX/XX/XXXX. I advised her to send me proof of the debt and she advised on the XXXX   account it just has my name but no address or any other info. 

She said she would send me a letter to dispute and to validate the debt. I have not received anything but they did put it on my credit even after I've never received any notification or letter from them. She advised she would file a dispute. How can they be allowed to place this on my credit without validation and I have disputed this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: WA

Complaint narrative:
Debt collection notice from : Cedars Business Services , LLC Claims to be representing XXXX, attempting to collect unpaid debt. 

XXXX notified claimant in XXXX of XXXX that a traffic fine had been incurred by the lessee in XXXX of XXXX. The amount was for {$130.00} which XXXX paid. At no point was the lessee provided the opportunity to contest the charges. 

XXXX sent notification to lessee in XXXX of XXXX, more than 3 months after the rental agreement ended for the vehicle. Per XXXX policy, XXXX has 90 days to notify lessee of additional charges from the last day of the contract period. 

Lessee responded to XXXX contesting charges. XXXX never responded or acknowledge receipt of correspondence. 

6 months after initial contact, now 9 months after the rental agreement had ended, XXXX passed the charges onto debt collector Cedars Business Services , LLC. 

Representative of the Lessee contacted Cedars Business Services , LLC XX/XX/XXXX to request more information and request the debt be dismissed on the basis that XXXX had in fact violated the terms of the rental agreement, voiding any money by the lessee. 

Cedars Business Services , LLC did not provide any additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX   XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: Nelnet, Inc.
State: IN

Complaint narrative:
Great Lakes is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: MS

Complaint narrative:
I am contacting you again because I requested that a Fraud account be removed for XXXX XXXX from my TransUnion credit report.. I explained that I am a victim of identity theft and that is hard enough but you responded by saying you received my complaint but it didn't appear to have been communicated by me or a properly authorized third party. This is the main reason why I am sending a complaint about this company. It is always some reason why they can't fix my Issue. MY name is XXXX XXXX and I am the one that is sending this complaint nobody else. AGAIN I am asking that you delete this fraud account and these inquries that I did not authorize to view my credit for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX  and XXXX XXXX. This is the second time I have had to complain.

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