vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I began aggressively disputing the below accounts since XX/XX/XXXX when I noticed they was charged off. <P/>1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX ( FOUR ACCOUNTS ) XXXX 5 ) XXXX XXXX XXXX ( been disputing since XX/XX/XXXX) XXXX My initial dispute online was I no longer had a valid contract with the companies and the accounts needed to be deleted because with the charge off the company had wrote off the debt and sold the debt to a 3rd party therefore it wasnt a valid contract with the them anymore and was legally now considered inaccurate reporting. <P/>In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud and 3 ) changed the status of the account from charged off and closed to charged off and open. None of which addressed my complaint. <P/>Because of their response, although neither of which was my complaint, I then sent TWO letters ( XXXX and XXXX XXXX ) asking for validation for the debt since they were stating it was a verified debt. <P/>What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account. I was even told my dispute was frivolous. Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT THAT DIDNT HAVE A VALID CONTRACT. <P/>FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. I have sent in identity theft report ( as required by the bureau ), yet no one has deleted these accounts when I have proven they are not mine nor can a simple contract with my signature be given to me. <P/>Inaccurate reporting is occurring because : 1 ) Since the bureau assist on the validity of the account, the charged off account no longer has a valid contract and the credit bureau cant furnish evidence of such valid contract and it is 90 days into the investigation. 2 ) The original creditor has sold or transferred the debt to a collection agency, but a past due amount is still reporting, which is illegal according to FCRA rules. 3 ) The bureau claimed to have investigated the validity of the account ( something they initiated and I followed up on ), but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a checking and savings account with bank of America for about a year  (   XXXX   ) . My purse and cell phone was stolen which had most of my personal papers and information inside in  XXXX  of   XXXX  . I went to the bank on a Monday morning when they open to tell them about my situation. I did all the paper work and filed a claim and closed that account out. I then again went to the following day to reopen a new account to set my direct deposit for work back up but I was then told that I was not able t due to my account having fraudulent activity. Someone tried to upload fake checks into my account and then tried to take money from my account twice. I again explained to then bank people that my personal belongings were stole. MY Phone which was a  XXXX  did n't have a passcode and also had my bank app and my emails and things on it was stolen as well. I Then talked to the fraud department on the phone and she told me that the phone that uploaded the checks was a  XXXX  which I had a  XXXX . I ask them if they could look at the atm cameras but was told no. So I felt like that was wrong but I  ten  went to   XXXX   XXXX   XXXX   and opened a account with them until one day my account was closed out the blue. I then had to go to   XXXX   XXXX   and ask them what happen and was told that bank of America sent to the consumer agency that my account had fraudulent activity which made me not able to open up a nother bank account with any bank. So the banker at   XXXX   XXXX   helped me fill out the paper and send it to the consumer agency to dispute everything but I still have n't got a reply or anything and its almost been a whole year. I feel that if somone actually comes to the bank to report something on there account due to lost personal info or identity stolen they should take into consideration and help that person instead of blaming them.

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 2017-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I began aggressively disputing the below accounts in  XX/XX/XXXX , I however have been disputing the accounts since  XX/XX/XXXX  XXXX  when they first appeared and was reporting positively because they are not my accounts.  <P/>  1 )    XXXX   XXXX  / XXXX   XXXX   2 )   XXXX   XXXX  My initial dispute online was I had no knowledge of the accounts. I had  one   XXXX  account that is closed and positive and no knowledge of  XXXX  at all.  <P/> In response the credit bureaus  1  ) told me the debt was valid,  2 ) r eported it as fraud  3  ) there 's another account with similar information as mine and asked me to send in identify evidence which I did.  <P/> Because of their response, and due to my confusion as to how you can say its valid and fraud and say I may have  2  reports, I then sent  TWO  letters  (   XXXX  and  XXXX   XXXX  ) asking for validation for the debt since they were stating it was a verified not validated debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath.  <P/> Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information.  <P/> Inaccurate reporting is occurring because :  1 ).  They claimed it is a fraud account but also said they were able to validate it.    2 )  The bureau claimed to have investigated the validity of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.

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 2017-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
Works & Lentz in Tulsa, OK reported on my credit report without validating any claim owed of {$75.00}. I called Works & Lentz to explain and dispute the claim. I wrote a letter officially disputing the claim and stated the various requirements in the Fair Credit Reporting Act. The letter was sent by email to the contact email address I was given by Works & Lentz over the phone. The {$75.00} was for a doctors appointment that I cancelled ahead of time. Works & Lentz sent me no proof that I owed this money for services rendered as is required by the FCRA and as I requested. The only documentation they sent me was a billing account printout from the doctors office. Works & Lentz then reported the collection account to the credit bureau and it negatively impacted my credit score. Works & Lentz has already been found in violation of fair credit practices by this agency and were cited to pay a civil penalty of over {$78000.00} and refund over {$570000.00} to claimants for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
Jacob Law Group, of XXXX, MS., has sued me in Justice court of XXXX, XXXX, MS. for a credit card bill. I have a court date. They have done all of this although I am legally XXXX and they and the county I live in know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged a late fee for my first late ever with the CITI CC company as I was on vacation for XXXX holiday. I immediately made my pmt after i returned and also never got notification to avoid late fee to make pmt soon.They were not willing to reverse nor work with me, but offer that they no longer reverse late fees for anyone because they need to make money.

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 2017-06-04 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: TX

Complaint narrative:
I began aggressively disputing the below accounts in  XX/XX/XXXX , I however have been disputing the accounts since  XX/XX/XXXX  when they first appeared and was reporting positively because they are not my accounts.  <P/>  1 )    XXXX   XXXX  / XXXX   XXXX   2 )   XXXX   XXXX  My initial dispute online was I had no knowledge of the accounts. I had  one   XXXX  account that is closed and positive and no knowledge of  XXXX  at all.  <P/> In response the credit bureaus  1 ) told me the debt was valid, 2 ) reported it as fraud 3 ) there 's another account with similar information as mine and asked me to send in identify evidence which I did.   <P/> Because of their response, and due to my confusion as to how you can say its valid and fraud and say I  may have   XXXX  reports, I then sent  TWO letter  s (  XX/XX/XXXX  a nd  XX/XX/XXXX   ) as king for validation for the debt since they were stating it was a verified not validated debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath.  <P/> Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information.  <P/> Inaccurate reporting is occurring because   : 1 ). They claimed it is a fraud account but also said they were able to validate it.
2 ) The bureau claimed to have investigated the validity   of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.

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 2017-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I began aggressively disputing the below accounts in XX/XX/XXXX, I however have been disputing the accounts since XX/XX/XXXX when they first appeared and was reporting positively because they are not my accounts. <P/>1 ) XXXX XXXX XXXX 2 ) XXXX XXXX My initial dispute online was I had no knowledge of the accounts. I had one XXXX account that is closed and positive and no knowledge of XXXX at all. <P/>In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud 3 ) there 's another account with similar information as mine and asked me to send in identify evidence which I did. <P/>Because of their response, and due to my confusion as to how you can say its valid and fraud and say I may have 2 reports, I then sent TWO letters (XX/XX/XXXX and XX/XX/XXXX ) asking for validation for the debt since they were stating it was a verified not validated debt. <P/>What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath. <P/>Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID. <P/>FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. <P/>
Inaccurate reporting is occurring because : 1 ). They claimed it is a fraud account but also said they were able to validate it.
2 ) The bureau claimed to have investigated the validity of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: TX

Complaint narrative:
Company sent me a collection letter mid XXXX 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match. <P/>When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's ( o nline here :   XXXX   XXXX   XXXX   XXXX   XXXX    )   and at their  XXXX   XXXX   XXXX  location ( in  XXXX , NY, where no one has cars/trucks/etc, which will be relevant ), advertises up to {$100.00} off purchases made when you open a new card. The purchases must be made within 2 days of opening the card.  <P/> I went t o Macy 's to buy a mattress that was cheaper because of this {$100.00} offer and opened a card. The interest rate is  ridiculously high, and so I opened the card only because of this offer.  <P/> The in-store person I dealt with handled the entire transaction - he answered questions about the mattress, set up the credit card application, processed it, and set up delivery date. I did not speak with any other representatives, there were no opportunities for a store rep to misunderstand what was happening.  <P/> The associate told me the credit would appear on my first statement. I waited unti l 2 s tatements had come, and nothing was there.  <P/> I calle d Macy 's customer se rvice and was told that the issue was that the mattress was purchased on the day I applied, but only charged on its delivery date. At no point when applying for the card was I told this, and even after confirming the delivery date the salesperson continued to say that the total would be {$700.00} rather than {$800.00} because of the credit.  <P/> The phone representative claims that they will process the {$100.00} credit, but given how unethical their behavior has been I do n't fully trust that.  <P/> They continue to advertise this promotion on their website and in store, without any notes about this major limitation. I did n't buy anything other than the mattress set, and there was no ambiguity about why I was getting this card.  <P/> I now have a hard pull on my credit rating for 2 years for a discount tha t may never come through, and this company is continuing to take advantage of anyone who goes to them to make a major, large purchase. I do n't know about Macy 's locations elsewhere, but the perce ntage of sales of large household appliances and things like mattresses that are done carry-out in  XXXX  is minuscule, so there is no excuse for not being aware that the offered discount would not apply.

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 2017-06-04 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: TX

Complaint narrative:
Company sent me a collection lette r   XXXX   XXXX   XXXX   a nd when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match.  <P/> When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlas Capital, Inc.
State: CA

Complaint narrative:
I was told by lender that they will lower my interest rate after making 4 payments on the {$25000.00} loan I made with them. After paying over {$6600.00} in 4 payments they did the refi and the contract still stated {$25000.00} as the loan amount. To date I have paid them the {$25000.00} and over {$20000.00} in interest. This loan should be paid in full as my understanding was the refi was for 24 months but I am being told that there is another 12 months left. If you are not able to get this situation resolved, I will be making a claim with the Attorney Generals Office and filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I applied for a  Wal-Mart c redit card through Synchrony Bank on or about  XXXX / XXXX / 2017 . The application was denied a nd one of t he reasons stated was that the  credit score o btained from  XXXX  was  XXXX . I visited the  XXXX   XXXX  site and paid {$20.00} for my score and it was  XXXX . That is a discrepancy of  XXXX  points. I immediately called  XXXX   XXXX  and they were unable to explain the discrepancy and indicated that the bank must have their own scoring system. Although this was not stated in the rejection letter. I find it curious that my husband recently applied for  a Lowe 's card  through the same bank and was approved seeing as we have been married for 23 years and hav e the same credit history. I e-mailed a complaint to Synchrony asking for an explanation as to the credit score discrepancy but have not received a reply. If the credit scores of the major credit bureaus are not actually use d by anyone I think consumers have a right to know 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