vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
For the last two to three months I have been getting phone calls from CITIBanks office in XXXX, Telling me that IF do not pay them {$2000.00} they are going to put me in jail, take my home, and take my XXXX and XXXX checks!!!!! And they would also take faimly member to court and put them in jail! 

Starting in XX/XX/XXXX after CITIBank added 0s to my check that I sent them, changing them {$50.00} to {$500.00} and started moving funds in and out of my account to one of their fake accounts. I canceled their Credit card And paid them OFF! 

According to CITIBank in XX/XX/XXXX I was not a crad holder and there for did not get paid damages that they agreed to pay! Consumer Financial Protection Bureau ( CFPB ) Administrative Proceeding File No. XXXX,! 

In XX/XX/XXXX and XX/XX/XXXX I started getting calls for CITIBanks XXXX office demanding {$2000.00} OR they would put my in jail! They stop after I receive a latter from the local court! Cast No. XXXX. I paid CITIBank what I own them, BUT not the money that the illegally charged my CANCELED account from XX/XX/XXXXto when CFPB stop them in XX/XX/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 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
I am an aggrieved man, UNITED AUTO CREDIT is rescinding my loan. I did not break my loan agreement. I ended up in the hospital for health issues. I had XXXX and was out of work. I got released from the hospital XX/XX/19 and go back to work XX/XX/19. I notified an agent with UNITED AUTO CREDIT that I would be late with my payment because of this unexpected issue. I paid {$100.00} towards the balance with the little money I did have and was going to make a payment of {$100.00} a week until I get paid again and could pay the balance owed in full. UNITED AUTO CREDIT agent told me this was okay because of the unexpected health issue. Fast forward to XX/XX/19 my vehicle was repossed by XXXX XXXX. I spoke with XXXX from UNITED AUTO CREDIT and he advised me they did not give XXXX XXXX permission to repo the vehicle. He advised me now UNITED AUTO CREDIT is cancelling my loan and leaving me without a vehicle to get back and forth to work. I respect that this is a business but that's a horrible business practice. To repo a vehicle from someone making payments in good faith and asking for some time. I am not a debtor and always pay my debts. I intend on paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX we returned our leased XXXX to a dealership in XXXX because our 3 year lease ended on that day. 
In XX/XX/XXXX I learned the the vehicle was never reported returned by that dealership and the dealership was unable to locate the vehicle. 
In XX/XX/XXXX we went to the dealership to find the car, but the vehicle was not found while on site. Later that day we received a call from the dealership indicating that the vehicle had been found and the dealership agreed to correct the problem. 
In mid-XX/XX/XXXX I received a letter from a collection agency regarding balance on the account. After speaking with the dealership this balance was removed. 
The issue is that the account seems to indicate that I had a past due amount from XX/XX/XXXX to XX/XX/XXXX, when the vehicle had been in possession of Toyota the whole time and there should have never been a past due amount on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: PA

Complaint narrative:
I FOUND A MEDICAL BILL ON MY CREDIT REPORT OF WHICH I NEVER RECEIVED ANY COMMUNCATION FROM NATIONAL RECOVERY AGENCY AND WHEN I TRIED TO CALL ON SEVERAL OCCASIONS NO ONE PICK UP THE PHONE I WAS ON HOLD AND NO ONE ANSWERED THE CALL THE FOLLOWING IS THE DATES AND TIMES AND HOLD TIME XX/XX/XXXX19 OVER AN HOUR TRIED BOTH LOCATIONS XXXX AND XXXX FROM XXXX-XXXX XX/XX/XXXX19-WAS ON HOLD FOR OVER 30MINS AND I  CALLED BOTH LOCATIONS AGAIN FROM XXXXXXXX-XXXXXXXX

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 2019-09-23 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: CT

Complaint narrative:
I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Time payment is reporting me late. I never was late I believe its the credit bureau I made time payment on time forever. please fix this This is illegal

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 2019-09-23 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: NY

Complaint narrative:
Time payment is reporting me late. I never was late I believe its the credit bureau I made time payment on time forever. please fix this This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Time payment is reporting me late. I never was late I believe its the credit bureau I made time payment on time forever. please fix this This is illegal

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 2019-09-23 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclay Bank processed a {$6500.00} personal loan for me. I destroyed the check as I changed my mind. This was in XX/XX/2019. 

I called their analyst department seven ( 7 ) times and was told they could fix it. Eventually they showed the loan as 'paid '. This was only last week. XX/XX/XXXX Meanwhile, they said I was overdue on a {$78.00} fee related to the loan. This dispute is now over 3 months old. 

Barclay has RUINED by FICO store. With every 'overdue ' Barclay reported to the credit agency I may be denied elderly/disabled housing I am applying for.

Barclay says they welcome letters to their complaint department and that it is their policy to respond ti complaints within Five Days ( 5 ) and in writing. I wrote them Six times  and have not received any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
At the beginning of 2019, I called Capital One and had my payment Date changed from the XX/XX/XXXX of every Month to the XX/XX/XXXX of every Month. This is inline with my pay dates as well as budget constraints. 

On the XX/XX/XXXX, I called Capital One to make my XX/XX/XXXX payment. I was advised by recording I owed {$60.00} due XX/XX/XXXX. This is 1. not my payment date and 2.exceeds the minimum monthly payment. 

I than spoke to a frontline agent who kept advising she could do nothing and read a statement in regards to payment dates. I than escalated the call and spoke to the " Supervisor '' who stated " some '' cards had their payment dates changed. She also advised it would take multiple cycles to change my payment date back to the XX/XX/XXXX and that the XX/XX/XXXX would be my payment date going forward. 

This in essence puts me back to where I started Months ago. I will have multiple late fees on the account due to not being able to hit the 1st. payment Date and as such will not be able to change the payment Date. 

I would also like to know why my card was singled out from the rest to have the payments changed? Are the other people who did not have their Dates changed going to have late fees assessed as I am going to? 

I feel like this was a deceptive act to appease me by amending it originally, than moving it right back knowing I initially moved it for a reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23 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: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have attached a copy of my FTC complaint stating the Regions Bank & XXXX XXXX XXXX XXXX are fraudulently reporting negative items on my XXXX report. I spoke with XXXX XXXX and she stated that they have not received the updated FTC report that I sent through the CFPB on XX/XX/2019. They simply closed it without putting in any further notation. I am once again attaching the documents as well as mailing it to its office at the address below. I demand that XXXX takes this complaint seriously and remove the items from my credit report. I will also be forwarding this to the FTC. 

XXXX XXXX XXXX XXXX, PA 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 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report I C SYSTEMS COLLECTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TO WHOM IT MAY CONCERN TRANSUNION IS THE ONLY CREDIT COMPANY REPORTING A MEDICAL BILL ON MY CREDIT REPORT XXXX XXXX XXXX. I THINK THIS IS A MIX UP THIS IS NOT MY ACCOUNT AND THISM IS FRAUD.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX we returned our leased XXXX to a dealership in XXXX because our 3 year lease ended on that day. 
In XX/XX/XXXX I learned the the vehicle was never reported returned by that dealership and the dealership was unable to locate the vehicle. 
In XX/XX/XXXX we went to the dealership to find the car, but the vehicle was not found while on site. Later that day we received a call from the dealership indicating that the vehicle had been found and the dealership agreed to correct the problem. 
In mid-XX/XX/XXXX I received a letter from a collection agency regarding balance on the account. After speaking with the dealership this balance was removed. 
The issue is that the account seems to indicate that I had a past due amount from XX/XX/XXXX to XX/XX/XXXX, when the vehicle had been in possession of XXXX the whole time and there should have never been a past due amount on the account.

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 2019-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I believe if you look at your records this is my 5th complaint with Capital One. The last one I submitted over 45 days ago and heard 1 time from Corporate Office on XX/XX/XXXX. XXXX who is supposed to be a Supervisor at the Capital One Corporate Office clearly stated that she would look into the fraudulent charges on my account and assured me that she would get back to me within 1 week. Well, here we are XX/XX/2019 and I am still yet to hear back from her or ANYONE from Corporate Office regarding this matter. Since XX/XX/XXXX, I have called 4 times and left 4 messages with her voicemail. In the meantime while she is supposed to dispute these charges and investigate them Capital One is still calling me harassing me about payments. They have negatively marked my credit report and my credit score dropped 81 points AGAIN. They call at least 8 times a day and even on Sunday 's. I have all the calls documented. It's so frustrating that they continue to lie and ruin consumers financial well beings. This has put an extreme amount of stress on my health and I will continue to gather information regarding these issues, as well as all of my health records regarding this matter and as of last week I started recording all my calls to the Corporate Office as proof that they NEVER answer the phone. I have phone records highlighting the ONE time that I heard from Corporate. It is BEYOND RIDICULOUS that they are able to get away with this to consumers. This needs to be addressed by someone at their highest office who ACTUALLY knows what they are doing. They should be embarrassed of themselves and the treatment that they give their  consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Hello, I contacted iq data international on XX/XX/XXXX about a debt that was owed for XXXX which we came to agreement to settle for XXXX dollars which XXXX was paid on the XX/XX/XXXX and remaineding would be paid on XX/XX/XXXX and as part of the agreement I would have this collection removed from my credit and I would get a email showing that I had pay the debt. On XX/XX/XXXX I did not receive a email showing that I had completed the agreement and paid the debt. I decided to contact iq data international which I was treated rudely when I spoke with representatives about sending the email that we had agreed on.i called several times during the day which all I was told that it would be sent by the end of business day. The business day ended and still no email and they are closed on the weekend. So I called on Monday XX/XX/XXXX and asked to speak with the manager XXXX XXXX extension XXXX who was very rude and unprofessional and told me should would not be sending my email as we agreed when I made my settlement. She said now I will have to wait 7-10 business  day in order to receive that I had paid.this company practices shady tactics and lies I have upheld my end of the agreement They need to be investigated and put out of business I have now lost XXXX dollars on applications denials due to them not sending the email.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was never mine. Never had XXXX XXXX XXXX   account in my entire life. It is a result of an Identity theft.

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 2019-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ascendium Education Group
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: CITIBANK, N.A.
State: AR

Complaint narrative:
Though I still have my credit card with me, somehow my information was stolen, perhaps by a gas pump card reader, which I suggested to the credit card investigator, and a charge of XXXX dollars was used against my card. The credit card company called me and told me about suspicious activity and I immediately cancelled the card and was sent another one. They did not suggest me filing a police report, so I did not think about it. An investigator did call and I suggested maybe my card info was stolen by some type of card reader. The purchase was made on XX/XX/XXXX and the info state XXXX XXXX XXXX XXXX   XXXX, PA. I have never been to Pennsylvania, let alone XXXX. I tried to explain this to the investigator..What they are claiming, since I never lost the card, that it isnt fraudulent Which is obviously not the case, somebody stole my identify info. I have records showing I was at work here in Arkansas when the purchase was made in XXXX, PA. I would love to match my signature with the bill of sail. This is ridiculous.

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 2019-09-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I`m disputing these accounts below because I can not get no answer or response from the creditor. I `m asking for assistance in resolving this matter as quick as possible. I know according to credit laws, you must report any and all accurate information on my credit report and if there are any inaccurate information, then it could be subject to violation, which can result into a small claim suit. Please see the accounts below and the reasons for me disputing this information. 

TD Bank- account # XXXX this account is in violation of the credit reporting act &  passed the 4 year of Statute of Limitations of Civil Practice and Remedies Code, S.16.004 reporting for the state of Texas. Per my records, the creditor previously verified this debt as valid. So, I sent the creditor a letter requested a copy of the legal binding contract signed my me and or offer settlement of this debt for deletion. This letter was sent certified mail on XX/XX/2019 and received and signed by XXXX XXXX and I have not received no response and its been 45 days or more. I enclosed a copy of the certified card, for proof. Based on this information, this account need to deleted. In addition, the balance was updated XX/XX/2019 showing this is a current debt for 2019, which is also inaccurate, because the balance as not changed.

Company response to consumer: Closed with explanation