vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been a loyal Citibank customer since XX/XX/XXXX. I have made every credit payment on time, until recently ( Summer of XX/XX/XXXX ). Unfortunately I was placed on medical leave due to some treatments I am receiving and as a result I am not allowed to work temporarily. As a result of my leave from work and delay in getting my temporary leave benefits, I did fall behind on one payment to Citibank. Actually, I did log on to Citibank to make that payment and was expected to pay 3 times the normal payment amount, therefore I was unable to make that payment at that time, resulting in some fees and interest charges putting me over my limit. 
On XX/XX/XXXX, I did speak to an Agent whose job was something along the lines of Customer Solutions ( I apologize that I do not have the proper title, but the call was on XX/XX/XXXX. ) I entered into an agreement with this agent that I would pay {$130.00} a month until the account was caught up ( take note that this is still more than my average minimum payments by at least double ) but I wanted to get caught up and back on track not only to protect my credit, but also to keep my card in good standing for the future. I was assured by this agent that entering into this agreement would protect my card and keep it open as long as I made the minimum monthly payment, via bank draft. On XX/XX/XXXX, Citibank took {$130.00} out of my checking account as agreed upon. On the same date Citibank closed my account. When I became aware of this ( a week later XX/XX/XXXX ) I did call and speak to an agent who stated that the bank closed it, and that no reason is listed. I escalated the issue and indicated that the account should have been protected against closure, as I had entered into an agreement with Citibank- an Accounts Manager did tell me that my account should have been protected from closure with this agreement as she could see where the payment was made as agreed upon. I have upheld my end of the agreement & I feel disappointed that Citibank would close my account anyway, despite my good faith efforts. Prior to this, I have never missed any payments on any of my accounts on my credit, so there would be no other reason to do that. Even the paperwork sent states that the account will become current if I keep the agreement, however it can not become " current '' if it is closed. We made an agreement and Citibank has broken their end of the bargain by closing my 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 explanation
Consumer complaint received 2019-09-16 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: NY

Complaint narrative:
There is information on my report that is incorrect and also does not belong 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 non-monetary relief
Consumer complaint received 2019-09-16 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: OH

Complaint narrative:
There is an account on my credit report that is fraudulent. I have never had an account with XXXX XXXX. This account is a result of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( XXXX, XXXX, Equifax ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I tried to open a checking account with wells fargo and they wont open it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: AES/PHEAA
State: CA

Complaint narrative:
I was notified in XX/XX/2019 from my XXXX credit monitoring that there was a late payment marker on my Credit Report. I called myfedloan immediately to see what happened as I have not had a late payment in the 10 years I have had the loan. They stated on the phone in XX/XX/XXXX they had my wrong address even though I had all of my mail forwarded to a new address as I have done that with them before. They also said for some reason there was an error they received when also trying to send me emails and acknowledged there was an error in their system. They said even though it was an error in their system, it doesn't allow them to remove the incorrect late payment due to their error because the system is old and doesn't recognize that as a valid reason. They prompted me to file a dispute with their team and I did, and it was denied they then told me to reopen the dispute and provide all of this documentation which I did and they still denied it. I am concerned that they are able to ruin someones credit, and career by making this kind of mistake and wont take any steps to course correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( Transunion, XXXX, XXXX ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file 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 non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
Applied online at XXXX to receive current rate information for 30 year refinance rates. I received several calls but the broker from Quicken Loans was trying to railroad me into approving a hard credit inquiry. When I told him that I was just beginning the process and would be waiting until XXXX he proceeded to imply that they were going to perform a hard inquiry anyway and that I should just approve while we are on the phone. I responded in no uncertain terms that I will not approve a credit inquiry because they have sufficient information to give me ballpark rates and I would only approve a hard credit inquiry when I decide to refinance with Quicken Loans. 

It is too early to know if they performed a hard credit inquiry, but this is unacceptable behavior and I believe many customers may have been hurt by such aggressive sales tactics. Credit inquiries can damage customers ' credit scores and should be expressly agreed to. 

Quicken Loans NMLS # XXXX Quicken Loans Agent : XXXX XXXX ( XXXX ) XXXX NMLS : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I never received notice of this debt. I never received notice of my right to dispute this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: NY

Complaint narrative:
There is information on my report that is incorrect and also does not belong 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 non-monetary relief
Consumer complaint received 2019-09-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is information on my report that is incorrect and also does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX reply result Dear cfpb Complaint ID : XXXX It is refer to the feedback. TCF Bank refuses compensation my all deposit. 
TCF Bank copied my deposit checks and sent to the bank in front of me. I wait for over two months without the reply. I asked the reason. They said they do not reply me. You can contact them. They refuse the compensation. 
I said I only gave money as deposit for your TCF Bank. You gave to the bank without my permit and I do not know that you gave the bank and I do not know that bank. Thus I only ask your TCF Bank compensation. TCF Bank refuse the compensation. 
Because TCF Bank owes my money. It is the fact and they refuse the compensation. Thus I ask TCF Bank to compensate {$2500.00}. Add interests. 
Now the national all attorney general together object the company to bully the People. Therefore I ask the compensation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My initial loan was through XXXX XXXX. They sold my loan it is now with New Rez LLC shellpoint mortgage servicing. My payment amount is XXXX per month. I have paid ahead and wanted to pay biweekly as I did with XXXX XXXX. NewRez holds my partial payment rather than putting it through. They put it in once a month rather than bi-weekly as requested. I paid XXXX on the XX/XX/XXXX and XXXX on the XX/XX/XXXX which is more than the amount of the loan. This keeps me from paying towards my principal in hopes to pay off my loan quicker. I have never had a bank hold my payment before. I called to try and resolve this they will not put my payments in as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Old information that was removed is now reappearing

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 2019-09-16 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding LLC on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was notified in XX/XX/2019 from my XXXX credit monitoring that there was a late payment marker on my Credit Report. I called XXXX immediately to see what happened as I have not had a late payment in the 10 years I have had the loan. They stated on the phone in XX/XX/XXXX they had my wrong address even though I had all of my mail forwarded to a new address as I have done that with them before. They also said for some reason there was an error they received when also trying to send me emails and acknowledged there was an error in their system. They said even though it was an error in their system, it doesn't allow them to remove the incorrect late payment due to their error because the system is old and doesn't recognize that as a valid reason. They prompted me to file a dispute with their team and I did, and it was denied they then told me to reopen the dispute and provide all of this documentation which I did and they still denied it. I am concerned that they are able to ruin someones credit, and career by making this kind of mistake and wont take any steps to course correct their error.

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 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is JEFFERSON CAPITAL SYSTEMS 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, JEFFERSON CAPITAL SYSTEMS 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 ) JEFFERSON CAPITAL SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationJEFFERSON CAPITAL SYSTEMS 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 JEFFERSON CAPITAL SYSTEMS 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.JEFFERSON CAPITAL SYSTEMS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: UT

Complaint narrative:
XXXX XXXX XXXX on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.

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 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.

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 2019-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC
State: OH

Complaint narrative:
I was receiving calls for collections on a loan for XXXX starting since XX/XX/XXXX on a loan opened in XXXX in my name that I did not sign for, I then noticed it appeared on my credit report under a different company so I did further investigation. It seemed as all the same info matched as the prior company that would call me, my family saying it was an emergency, I explained to the company that I did not apply for a loan I did not work the places listed as stated, I do not bank at the institution where the money was deposited to. I did not apply for a loan. Its not my loan. I have now filed 2 police reports of identity theft I have contacted the 3 major credit bureaus, I have filed an FTC  affidavit of fraud. I dont know what else to do but I will not stop I can tell you that. I will NOT pay for a loan that is NOT mine! I told the company who is trying to collect if they trace down the Name to bank account it was deposited in to, Maybe that would solve this whole mystery?

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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: AR

Complaint narrative:
ON XX/XX/2019 I WAS TO RECEIVE INTO MY CHECKING {$4000.00} ACH FROM TAX REFUND. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Credit acceptance report my included in my bankruptcy it was not. I continue to make monthly payments Account paid off by XXXX XXXX had full coverage on an auto accident in XX/XX/2018.

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