vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-02 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: FL

Complaint narrative:
I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and Equifax and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: Security Credit Services, LLC
State: FL

Complaint narrative:
I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. Security Credit Serv now owns them and when i tried to prove to them and XXXX  and XXXX  with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for and received two lines of credit from PayPal Credit, one on XX/XX/XXXX for {$470.00} promised at 0 % interest if paid off within six months, and one on XX/XX/XXXX at 0 % for 24 months of equal payments of {$57.00}. When I attempt to make a payment to PayPal Credit their system decides for me how to allocate payments and does not allow me to choose either myself or even by speaking to a customer service agent, and their system chooses to allocate payments in a way that is detrimental to me. 

For example on the billing closing date of XX/XX/XXXX I had a balance of {$710.00} on the 24 month loan and {$310.00} on the 6 month loan. I made a payment of {$150.00} on XX/XX/XXXX. Their system chose to allocate {$76.00} to the 24 month loan leaving me at {$640.00} and {$73.00} to the 6 month loan leaving me at {$240.00}. 

The only reasonable way to allocate the payments for the terms specified above would have been {$57.00} ( the minimum ) to the 24 month loan and the balance to the six. I can not do this myself, and after talking to their customer service they can not do it either. 

A further problem with this situation is I can determine no pattern whatsoever to the allocation logic, NOR CAN THEIR CUSTOMER SERVICE AGENTS. This means NO ONE can tell me how how much to pay to lower the balance on the 6 month loan to XXXX before the promotional period expires and I am subject to interest payments AND I am forced to pay more than the 24 payment minimum promotion offered on the other loan. 

I have already attempted to resolve this with paypal over at least 4 separate phone calls to no avail. 

Please help

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 2019-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a form letter from Citi Bank by XXXX delivery, dated XX/XX/2019. I received this letter mid XXXX. The letter, I hope I can attach for you, states I must respond to the demand on the letter before XXXXXXXX XXXX,2019 or my accounts could or would be blocked or closed. I went into my local branch, which is Citibank XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
I made appointment with him for XX/XX/2019. He told me they would need a copy of my trust as this was required for a trust name on account. 
I asked at the appointed date and time what this was all about and he said it was new Federal mandates or laws. I have not heard of any new federal laws, nor has another bank I have, asked for this type of information from me. he said they were looking for money laundering etc. Not sure what that has to do with my small bank account as I only keep low amount of money in this checking. He did ask me how much money I had in the account. He has that information at his fingertips. 
He took my trust and made copies of several pages of my trust and then wanted my drivers license to make a copy of it also. He then wanted to know the name of the law firm that drew up my trust. I gave him the name and he googled it for their phone number. I told the XXXX this seemed like a complete invasion of my rights and privacy and he agreed it was but that was all. Then he made a call to someone and said he had to go to back room to get a email from some office. He came back to me and said they required more questions answered and I became alarmed. 
He asked what my income was and I said thats none of your business and that was all the questions I was answering. I felt like a criminal as he was treating me like a police officer would question a criminal. I got up to leave and he said your accounts will or could be frozen and if I had auto pay pulls, those would not be filled.

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 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank Best Buy - I spoke to someone on XX/XX/2019 in order to create a payment arrangement for the bill that is due on XX/XX/XXXX. Per the person I spoke with, I believe her name was XXXX said that they have accepted the payment arrangement - please pull out phone records if possible because it was for {$100.00} on XX/XX/XXXX and the excess of {$91.00} on XX/XX/XXXX. She agreed and we hung up the phone. I called back and wondered as to why Citibank filed a derogatory mark under my credit report with XXXX. I called Citibank about this matter on XX/XX/XXXX - and the representative, I believe it was XXXX again - was not very helpful. She said all they can do is file an investigation. 

Fast forward to XX/XX/XXXX, another representative calls me while I am at work, I inquired about the investigation and per the representative, they have no record of one taking place. 

The representatives with this company just shows how ignorant they are. They failed to give me proper information on how this was going to affect my credit score.

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 2019-03-02 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: LEXISNEXIS
State: GA

Complaint narrative:
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: PA

Complaint narrative:
Equifax has on confirmation # XXXX my exchange report was used to generate an XXXX score which was resold by Equifax then Equifax states on page 9 of 24 in which pages are missing 7 of 24 pages and information missing of the so call claim of 1 of 24 pages. page 9 of 24 alerts File block Promotional Purposes but Equifax resold as page 14 of 24 It is clear that Equifax is selling information for Promotional Purposes as XXXX it's been worded I fact to make valid what there doing but on the other hand make money of the consumer. Errors updating correct accounts for 5 months like XXXX XXXX XXXX that Equifax just updated. Paid payment 3 months in advance as attach copy but Equifax just updated after 4 months. It is clear Equifax has error after error and goes months to clear up there errors but your credit score is not adjusted to there error or incorrect information with no base.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/XXXX I applied for barclay black card Was denied because I have sufficient credit Even though I only have two credit cards. I have great income and my debt to income ratio is perfect. 
I Was asked why I do not have credit prior to XX/XX/XXXX, thats simply because I was XXXXyears of age. They made their decision based on that.

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 2019-03-02 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: Innovis
State: GA

Complaint narrative:
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and  accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
{$98.00} charge for phone use. Leased an apartment, set up utilities, changed apartments in the same complex before moving in. The lessee of the first apartment used my utilities to make calls to another country and I wasnt informed of the purchases. The charge went to collections and I paid the balance to stop effecting my credit. Would like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX - I spoke to someone on XX/XX/XXXX2019 in order to create a payment arrangement for the bill that is due on XX/XX/XXXX. Per the person I spoke with, I believe her name was XXXX said that they have accepted the payment arrangement - please pull out phone records if possible because it was for {$100.00} on XX/XX/XXXX and the excess of {$91.00} on XX/XX/XXXX. She agreed and we hung up the phone. I called back and wondered as to why XXXX filed a derogatory mark under my credit report with Transunion. I called XXXX about this matter on XX/XX/XXXX - and the representative, I believe it was XXXX again - was not very helpful. She said all they can do is file an investigation. 

Fast forward to XX/XX/XXXX, another representative calls me while I am at work, I inquired about the investigation and per the representative, they have no record of one taking place. 

The representatives with this company just shows how ignorant they are. They failed to give me proper information on how this was going to affect my credit score.

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 2019-03-02 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: NY

Complaint narrative:
There were multiple credit cards opened in my name fraudulently. Debt was accrued and this was not authorized by me and is identity theft. I have tried to remedy this by calling and claiming fraud but I have received no correspondence. I simply want these accounts deleted and removed from my credit report and out of the database with the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RMS-Recovery Management Services, Inc.
State: FL

Complaint narrative:
They continue harassing my employer after my employer and myself have told them to stop calling there private cell phone number. I also told them to stop calling my cell phone during my work hours that I would look into the debt which I told them was already paid. I told them I had to get proof from the United States Treasury Department which took it out of my tax return in XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am the owner of an HELOC with Citizen 's Bank. On my XX/XX/XXXX Statement, there was a variance of {$380.00} from my " Previous Total Balance '' to my " New Total Balance ''. I wrote to the company at the address provided for " Correspondence, Error Resolution & Information Requests ''. No one wrote back to me. On XX/XX/XXXX, I called the customer Service line - as the " error '' was no carrying over for the fourth statement in a row ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & now XX/XX/XXXX ). 

When I spoke with the representative I was told that the variance was comprised of {$350.00} " Prepayment Penalty Fee '' and a {$34.00} " recording fee ''. At that on the XX/XX/XXXX statement I would now see that the statement wording had now been changed from " Total New Balance '' to " New Payoff Balance ''. While I was able to confirm that there is a {$350.00} prepayment penalty in my loan documents, but I am concerned that I am now paying interest on the an correct principle amount. 

The documents are not clean and easy to understand. Additionally, XXXX XXXX customers ( I am assuming I am not the only one ) were not alerted in writing when this " change '' occurred on their statement. It did not sound like this was the first time that the customer service rep was answering this type of question. I was also not provide with any proof as to why I am paying a {$34.00} " recording fee '' for something that hasn't happened. Also, I can not find a reference to the {$34.00} recording fee in my loan documents. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: Financial Credit Service, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX regarding a debt owed by my ex husband per my divorce decree which was granted in XXXX. We were to each pay half of the credit card debt. I was threatened with a law suit suing me and cancelling mine and my current husband 's credit cards and seizing our bank accounts. My bank account is strictly for my income, which is Social Security XXXX, and my ex husband 's retirement, ( annuity ). She told me the amount of the interest that had accrued over the course of 19 years and then threatened to sue me in a court of law if I didn't make arrangements to pay this debt. She insisted I pay {$1300.00} down and make payments of {$30.00} a month until the amount they would settle for of {$3800.00} was paid in full. She wanted to take this {$30.00} per month payment from my credit card.I tried to tell her I thought there was a statute of limitations and they needed to go after my ex husband. After she was through scaring me and badgering me, I was transferred to another agent who advised me that the conversation was being recorded. He repeated the amount owed and the amount of monthly payments that would be charged to my credit card. They attempted to run the {$1300.00} twice on my credit card ( per my bank fraud protection. ) This man insisted I call my credit card company and authorize this payment. These people scared me and I honestly thought they were going to seize mine and my current husband 's assets along with hurting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have a annual fee card with citi and tried calling them to convert it to a no fee card. After being transferred 3 times and spending over an hour the agent tells me that I need to call credit bureau and update my phone number there. 

Horrible customer service who has absolutely no clue.

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 2019-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Omni Financial Corp.
State: NY

Complaint narrative:
My dad and I purchased a " XXXX XXXX XXXX XXXX '' in XXXX before he passed away. My dad was my co-signer. Since my dad 's passing I relocated to XXXX, XXXX. I fell back on some payments due to not having the finical help I had with my dad in XXXX. I began looking for employment in XXXX so I can start making payments on my vehicle and paying off my other debts. It took me some time to find employment. I immediately contacted XXXX XXXX to let them know about my financial situation. They asked me to fax my dad 's death certificate over to them to verify that my dad was deceased. Which I found rude and they were not compassionate and had no sympathy. 
I did as they told me. I faxed my dad 's information and my vehicle was towed anyway. 
My car was sent to an auction and I have been contacting XXXX XXXX to update me information about making payments but I keep getting the cold shoulder. 
I need some one to help me with getting my car back please. I have been getting to work late because I don't have my car. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: eCon Credit LP
State: NC

Complaint narrative:
I recently received a copy of my credit report and found that nationwide acceptance account ( XXXX XXXX ) showed a past due balance and 90 days past due this information is not true the account was paid in full with a XXXX balance however after several disputes the information has not been updated

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