vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 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: MD

Complaint narrative:
I have three credit cards with Citibank. They are the Thank You Preferred, Simplicity, and Diamond. Both the Diamond and Simplicity are tied to the same bank account ( e.g., Bank A ) for payment. Note : The Simplicity card is set up for automatic monthly withdrawal, the Diamond is not. The third card which is the Thank You Preferred payments are used from another bank account ( e.g., Bank B ) and is not tied with either the Simplicity or Diamond. Bank B is my mother 's bank account and I did not have access to her routing nor checking account number that would be required for new payment setup. Note : The Thanks You Preferred is also set up for automatic monthly withdrawal using Bank A to pay it off faster. 

On or around XXXX XXXX, I was informed that Citibank withdrew funds from Bank B not Bank A for payment on the Diamond card. This was an unauthorized withdrawal. Back in late XXXX, when I spoke to the customer service representative to make a payment on the Diamond card for a XX/XX/XXXX payment, I only authorized it for Bank A, not Bank B, because I did not have my mother 's routing nor  account number, which is required by Citibank to set up a new payment account. I called Citibank the same day to make a complaint and they informed me that they would investigate the matter, however I have not heard back from them. 

On XX/XX/2018 I was once again informed that Citibank withdrew funds from Bank B for the automatic payment of the Simplicity Card. Again this was an authorized withdrawal, I only authorize automatic payments for Bank A. Once again I reached out to Citibank to inform them of a breach and they said they would investigate the matter. 

I want CFPB assistance with this complaint because my mother 's account has had over {$600.00} of authorized funds withdrawn. In addition her bank ( Bank B ) has said that Citibank has set up automatic payments from her account ( Bank B ) which is not true. I believe this is a data breach or system error that has had dire consequences. My parent is elderly and this is unacceptable. 

Enclosed in my compliant are the following : -Screenshots of online account for Simplicity and Diamond displaying that only Bank A is tied to them.

-Proof that Citibank has withdrawn funds from Bank B

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 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX   Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX canceled a credit card I've had opened with them for over 10 years because of an issue of my social security number.The account was a business card in the name of XXXX XXXX XXXX XXXX XXXX last four digits # XXXX the card had a Credit Line {$5700.00}. 
They closed the account because they kept asking for a Federal Taxpayer number. I told them many times that I used my personal social security number on the original application. this account was opened as sole proprietors account. 
Capital one allows a customer to use '' Your Business Employer Identification Number ( EIN ) or Social Security Number ( SSN ) for Sole Proprietors-Your Personal Social Security Number '' I used my social number for this credit card account. They refused to accept this and when I write them it takes them 90 days to respond. They have hurt my credit score by closing this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a  form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, then changed to Nationstar and now Mr. Cooper, did not credit all the payments made to them, evidenced by my XX/XX/XXXX-XX/XX/XXXX mortgage interest statements. Instead Mr. Cooper states the mortgage was not paid after XX/XX/XXXX but yet, my mortgage interest statement dated XX/XX/XXXX showed an actual escrow balance of {$5100.00} with a surplus of {$3000.00} based on the XX/XX/XXXX-XX/XX/XXXX payments that had been made. This is an example of faulty record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have recently been denied for a loan modification on an appeal review. I originally applied for a loan modification and was denied due to insufficient income. My Sister then moved in with me and helped with {$1000.00} to cover the household expenses. With the changes in my financials, i then reapplied for a loan modification. I was later told that I was denied and am no longer able to reapply since i can only be reviewed once in a year. Now that I am able to afford my home with the help of my Sister, they will not consider reviewing it and I will lose my home. I have worked too hard for this to happen. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have received calls from XXXX and indicated they were on a recorded line. Advised the number the person was calling was place of business and they need to contact on the personal phone. They have called a couple of times and it is inappropriate to call the work place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.

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 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} AND ANY OTHER ACCOUNT IN YOUR OFFICE ASSOCIATED WITH MY SS # Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Can not figure out why my score dropped 26 points in 1 day. 

I called XXXX and My XXXX card says my account is in perfect standing!

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 2018-12-18 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: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
I have tried to dispute this account previously. I DO NOT have a contract with this company. The company reporting the credit item and it has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/2018 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
Date : XX/XX/18 Amounts : Old Vehicle - {$46000.00} Actions by me : Requesting pay-off with management at location due to the sales tactics that were used. 

Events : I went to XXXX XXXX XXXX looking to trade in my XXXX XXXX to go with something a little more economical. I was informed that there was no option to trade due to balance on truck, ( this was after they took my keys and processed an appraisal. ) I told them no problem and that I would want to keep my truck and continue to pay for it. However, I had test drove a vehicle and they started processing numbers and told me to wait and that I needed to voluntarily surrender my truck to the bank I originally got the loan from, in this situation I asked for my keys and they were not given to me. They had the sales representative follow me to the bank down the road to ensure I gave the truck to them, then had me go back to the dealership and sign for paperwork on the vehicle I test drove. Now I have to suffer on my credit for a vehicle that is not delinquent, due to their XXXX sales tactics. I was intimidated and was forced to do this. I was informed by both the salesman and the Finance Manager that I had no other option and that I was lucky they were looking out for me. This is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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:
On XX/XX/2017, I made a complaint that the credit agency continues to allow an creditor to incorrectly and inaccurately report late payments on my credit report. The credit agency sent me a copy of my credit report which verified the correction however after purchasing a new vehicle I was offered a higher interest rate due to late reporting with this same creditor and credit agency. I contacted the creditor which advised they sent corrections over and no recent late credit payments. 

As I stated back in XX/XX/2017. My payments are due on the XXXX of every month. Based on the Fair Reporting a creditor can not report a 30 day late for not paying a late fee. 

It has been discovered that the credit agencies are allowing incorrect and inaccurate credit reporting by XXXX XXXX. My credit reported shows numerous 30 day late 's. This is the same issue back in XX/XX/17 which at that time showing XXXX days late on my credit report in XX/XX/2017. 

They previously advised they report the XXXX of every month and if the payments are not paid in full then its reported late to the credit bureau. I advised this is against the Fair Reporting Act.XXXX XXXX. XXXX. And they are violating XXXX section XXXX and XXXX. I continuously explain my payments are due on the XXXX of every month and they can not change my contract. I advised purchasing the loan doesn't change any terms. I asked for the contract showing my signature that changed the terms of my loan. 

The credit agency makes it very difficult to dispute online or by phone. I have asked for a updated credit report several times and never receive one or they advised I have to pay for me. I do not believe I should have to pay for a credit report to verify the inaccuracies reporting.

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