vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi closed my account in XX/XX/XXXX and make it active now without my knowledge. 
Citi closed my credit card ( Citi Double ) in XX/XX/XXXX. When I reached out to Citi about the account closure, I was told it was due to inactivity. I complaint about not being notified and was told a notice was sent to my old address in XXXX. Citi indicated that I have just moved in XX/XX/XXXX and never received the notice. Citi informed that that there is nothing could be done about the closure. 

Citi Double continue to show up in my online banking as " closed '' account and I did not remove it from my online banking account. On XX/XX/XXXX, I received a notification that a Citi account on my Transunion credit report was recently listed as closed. When I logged in to my Citi online banking, the account is no longer " closed '' and there is a statement generated. 

I reached out to Citi on XX/XX/XXXX about the account and voice my concern that a closed account becomes " active ''. And I was told the account is " open ''. After I explained that the account had been closed for over a year, I was told Citi will look into it and get back to me. 

Attempts to reach Citi by " chat '' function leads to no where. 

I showed up for a in-person appointment in Citi on XX/XX/XXXX in an attempt to understand/resolve issue. The banker dialed Citi credit card and the representative continue to insist that the account was never closed as " it is illegal to re-open the account '' without my input. Citi customer representative insisted that the lack of e-statement for credit card is not proof that the account was closed. I requested that the account be closed during the phone call. During this conversation, I was told by the customer service representative over the phone that it is possible that the account was " suspended ''. But the account was absolutely not closed as to re-open the account, it involves pulling my credit and Citi absolutely did not do that.

Even though Citi Card denied the account was ever closed, an inquiry into my Transunion credit report on XX/XX/XXXX, under 19 changes to my report, two regarding my Citi Double card. 

1. Between XX/XX/XXXX and XX/XX/XXXX, you made 8 out of 8 payments on time ( or didn't have a balance to pay off ) 2 Under updated account information, CITICARD CBNA, it is noted that " Between XX/XX/XXXX and XX/XX/XXXX, the following remark was removed ( bolded ) from the account : Closed

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 2019-01-17 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: FL

Complaint narrative:
Contacted Credit Bureau with information requesting them to validate inaccurate information placed on my report. Information sent back was account was verified. I did not receive information with who verified the account information and how was it verified. I have sent in letters showing the court do not provide records to third parties. Has sent 3 letters to the credit bureaus with the same response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
This is in regard to the collection agency Eastern Account Systems, XXXX XXXX XXXX, XXXX, Ct, XXXX. My husband passed away in XX/XX/XXXX. In his files I found a notice addressed to him from EAS dated XX/XX/XXXX regarding a balance due to XXXX XXXX XXXX in XXXX, NY. I called the hospital 's patients accounts department, they told me that : the balance was paid at the time of service, they do not use EAS as their collection agency. I sent EAS a  certified letter stating this information, citing the Fair Debt Collection Practices Act, and told them not to contact me again. In XX/XX/XXXX I got another notice from EAS stating that our son showed a balance due to the same hospital. I called the hospital and was told they did not use EAS as the collection agency. I was routed to the agency they do use and was told there was a XXXX balance on the account. I wrote a letter same as outlined above. In XX/XX/XXXX, I received a third notice from EAS stating that my husband showed a balance due to the same hospital -- this time I did not bother communicating with them. EAS uses unscrupulous methods to try to get payment for debts not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: CA

Complaint narrative:
I sent my detailed dispute to this company on XX/XX/XXXX with clear instruction on whats derogatory and needed deletion from my credit report. But to my surprise, this company neither investigated nor did they delete anything from what was erroneous from my report. This letter is a direct notification that I need this frivolous account removed from my reports. 
Attached here with is the dispute letter I sent to this company earlier. For yet another time, these accounts are frivolous and I need to be removed from my report asap : XXXX XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$10000.00} XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$13000.00} XXXX   Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$9000.00} XXXX XXXX/XXXX  Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$11000.00}. 
XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance XXXX XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX XXXX Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date XXXX XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} I am looking at filing a law suit against this company if it doesnt address the issues at hand.

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 2019-01-17 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Requested from XXXX XXXX XXXX exhibit C date XX/XX/2018 they could not show any evidence on this alleged account but claimed they bought it, no contract no evidence its my account they then reported CRA 's with out proper validation as I requested.I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all it's mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certification in testimony that the alleged account presented in Exhibit C are in fact compliant and not subterfuge?

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 2019-01-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Di-Tech Holdings claims that I foreclosed on a home loan in XX/XX/XXXX. The home was taken back by bank Green Tree Services for {$620000.00} in XX/XX/XXXX, which more than covered the note. I don't know who Di-Tech Holdings are but they have put a negative note on my credit report with the major agencies. They have the date wrong and since they made money there should not be a negative mark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: CA

Complaint narrative:
I sent my detailed dispute to this company on XX/XX/XXXX with clear instruction on whats derogatory and needed deletion from my credit report. But to my surprise, this company neither investigated nor did they delete anything from what was erroneous from my report. This letter is a direct notification that I need this frivolous account removed from my reports. 
Attached here with is the dispute letter I sent to this company earlier. For yet another time, these accounts are frivolous and I need to be removed from my report asap : XXXX XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$10000.00} XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$13000.00} XXXX   Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$9000.00} XXXX XXXX/XXXXI Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$11000.00}. 
XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance XXXX XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX  ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX XXXX Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened  XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date XXXX XX/XX/XXXX XXXX Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date XXXX XX/XX/XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX am looking at filing a lawsuit against this company if it doesnt address the issues at hand.

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 2019-01-17 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: FL

Complaint narrative:
Contacted Credit Bureau with information requesting them to validate inaccurate information placed on my report. Information sent back was account was verified. I did not receive information with who verified the account information and how was it verified. I have sent in letters showing the court do not provide records to third parties. Has sent 3 letters to the credit bureaus with the same response back.

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 2019-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a loyal Chase customer for the last decade, and have two credit cards with Chase, including a Chase Sapphire Preferred Card. I always pay it on time, I use it frequently, and it's yet the card that is punishing me with a tremendously high APR of 24.99 %. I called up and got cavalier and nasty client 'relationship ' representatives who were not able to budge on the APR, despite the fact that all of my other credit cards were. I have done a good job of increasing my credit scores, I have no bankruptcies, leans or anything that should be allowing Chase to punish me, and yet they are not willing to budge. They tell me that there's nothing they can do, that it goes through periodic reviews, but that I can not ask them to lower it, and they're quite nasty about it. I have never heard of such a thing. My other credit cards lowered my APR over the phone by at least 10 %, and Chase isn't willing to come down at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I asked Transunion, XXXX, XXXX to validate and delete this inaccurate information and the information was never sent to me and this negative inaccurate information is impacting my credit scores i asked for this XX/XX/2018 for the public record bankruptcy and a closed credit card account and inquiries to be deleted. Because of inaccuracies.

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 2019-01-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Beginning XX/XX/XXXX and into XX/XX/XXXX XXXX began billing me without notifying me or sending me any bills. They did not call me, they did not email me, they did not send physical mail. I found out about the billing due to a 200+ drop in my credit score.  I contacted XXXX through a conference call with XXXX XXXX XXXX. When I told the XXXX Representative what had happened he was unable to provide me with any other information other than " we contacted you through your inbox ''. Upon informing him that I have not received any emails from XXXX he repeated the same statement over and over until he mentioned they were notifying me through their own messaging account system on the XXXX website. I did not have an account active on the XXXX website at the time of the billing period, therefore I never received any notifications. If there was an account under my name active on XXXX 's server it was created without my authorization or my knowing. I rated XXXX on the XXXX website and they sent an unsolicited letter to my place of residence stating they were in the right and could not ethically reverse the negative reporting. I contacted XXXX on XX/XX/XXXX requesting an investigation, to which, they never replied. According to the Fair Credit Reporting Act XXXX can submit a revision to the Credit Bureau removing the negative reports from my credit report. I also know, under the FCRA, I can file for an investigation in dispute of XXXX 's error directly with the Credit Bureau with or without legal representation. The error being in violation of the Fair Credit Billing Act, XXXX did not properly contact me regarding my billing and therefore all submitted overdue debts were submitted in error. According to the FCRA XXXX is also obligated to resolve this matter and report back to me within 30 days. All of which XXXX has failed to do. Upon filling this complaint I tried to gather my billing statements and other information on my current XXXX web account, but all of the billing I did not know about have been removed by XXXX, but the delinquent credit report they submitted has not been removed from my credit report. They are clearly aware of the issue -or- have attempted to hide the problem preventing any possible reporting to the CFPB.

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 2019-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
XXXX of XXXX, docs done for You, XXXX XXXX and Monterey financial worked together by completing forms for me to lower my XXXX XXXX payment. the forms would be for two years but we can only mail in one year at a time. at a cost of {$1500.00} paying {$58.00} monthly. I have already completed one year and should have completed the second forms since the summer of XXXX. I continued to make payments until XX/XX/XXXX when I stopped on the suggestion of XXXX XXXX because they are no where to be found. I tried several times reaching out to them by telephone and writing. the only company I was able to reach was Monterey financial because they would normally take the money from my account. I explained to them what is happening and they told me that they can not help me. Yet, they are collecting money I don't have. I am left with a large monthly student loan payment and incomplete job done by this group. I am now being bombarded with telephone calls everyday to pay for this service that was not done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX has charged me {$280.00} in unjust fees on a {$300.00} credit limit secured credit card. While I have been paying my bill from a employer allotment ( {$200.00} paid to date ), XXXX  hasn't been counting these allotments payments and have only been applying them as credits. As a result {$280.00} in late fees ( interest not included ). I have disputed this but I haven't received anything but more fees after each dispute. I would like to pay off my card and raise my credit limit but not if it's for a credit card that I'm paying and can not use. I would like these fees all credited back with an increase on my limit to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked XXXX, XXXX, equifax to validate and delete this inaccurate information and the information was never sent to me and this negative inaccurate information is impacting my credit scores i asked for this XX/XX/2018 for the public record bankruptcy and a closed credit card account and inquiries to be deleted. Because of inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked Experian to delete inaccurate information from my credit report a public Record, inquiries and a closed credit card account and they failed to do so I asked to send me information in regards to these accounts and they did not provide it to 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 2019-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAROLINA FINANCE, LLC
State: NC

Complaint narrative:
I bought a car in XX/XX/XXXX, it was financed through Carolina Finance in XXXX. In XX/XX/XXXX, we has a 2 day lapse of insurance, once I provided the insurance information to Carolina Finance, they still added insurance to my car totaling over {$2000.00}. After a debate, they reduced it down to half. That amount was paid off last year. There has been some embezzlement issues and some people were fired. I got a call last month from them stating that I was still responsible for the insurance. My car was double insured the whole year of XXXX because I had insurance and they charged me for insurance. My insurance broker Mr. XXXX XXXX @ XXXX XXXX here in XXXX NC told me that what they were doing was illegal and told me what I should do. So I am contacting you for help in this matter. I have the paperwork that they sent to me when I was finished with the payments, which tells me that I do not owe them anything. Since I told them that I had paperwork proving that they were wrong they told me last week that they were looking into the matter but have not come u with conclusion to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation