vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Cadle Company
State: VA

Complaint narrative:
The Cadle Company, Assignee of XXXX XXXX, XXXX Assignee of XXXX XXXX XXXX XXXX, placed a wage garnishment on my salary, without appropriate notification. Furthermore, I did not open an account with XXXX XXXX XXXX, which is now owned by XXXX. My identity was compromised and my social security number was used to fraudulently to open numerous accounts. I was initially sued in 2008, while away at training for the XXXX XXXX XXXX XXXX. I was not able to defend myself for this allegation of owning money to this company. I was also never given the chance to dispute the validity of this account. They are required by law to produce documents, such as the original agreement. I spoke to XXXX XXXX at the Cadle Company and she was very rude and would not provide any information on rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Received several alerts starting XX/XX/XXXX stating that several inquiries have been hitting my account that I have not authorized.

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 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just wanted to make you aware of a recent mortgage payment I made to Wells Fargo ( WF ). I've had my home mortgage at Wells Fargo from the beginning, 11 years now. I've mostly paid more than the mortgage by XXXX or XXXX. WF always applies the extra money to the principal. My mortgage payment is XXXX. The last 5 months, I've been paying a large amount to principal because I want to pay off my mortgage. I paid XXXX for XX/XX/XXXX mortgage. WF put XXXX towards XX/XX/XXXX principal and applied the rest to XX/XX/XXXX & XX/XX/XXXX mortgage payment. I called on XX/XX/XXXX and talked to XXXX at WF. She corrected the issue and said the computer assumed I wanted to make an extra payment with the extra money instead of apply it to XX/XX/XXXXprincipal.

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 2018-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Cash Central/and affiliated collection agencies have repeated called my place of employment, friends, and even family members mentioning my debt. They passed on the debt and people are still calling my family and now my NEW place of employment stating " I need to comply or else I will be picked up by the law enforcement assigned to my case. '' This has been on going since 2016.

I would like for the harassing phone calls to my friends, family, and place of employment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: GA

Complaint narrative:
Received several alerts starting XX/XX/XXXX stating that several inquiries have been hitting my account that I have not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Received several alerts starting XX/XX/XXXX stating that several inquiries have been hitting my account that I have not authorized.

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 2018-11-12 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: GA

Complaint narrative:
Ive started receiving credit alerts on XX/XX/XXXX about several erroneous inquires. Which prompted me to check my credit, which is where Ive found several unauthorized inquiries. 


In addition, I have an opened auto loan through Capital One Auto Finance. The loan was opened on XX/XX/2018. However, I have two unauthorized inquiries from Capital One Auto Finance on XX/XX/2018 and XX/XX/2018. I have no authorized any inquires to Capital One Auto Finance after the open date of XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax : ref XXXX letter of violation FCRA623 and FDCPA806 { b } which states that the creditor must enter a notice of dispute .if this is not entered the account can not report on the credit report, : you have been reporting with out listing dispute for last 6 months sense i started disputing this account { 1 } no dispute information { 2 } no last payment { 3 } showing a balance { 4 } No information on who claims they own account but reporting XXXX XXXX Who do not own account You equifax could not of investigated this account when asked because the information was wrong you are required to remove this at once NO 60 Investigation on your self for violation REMOVE AT ONCE FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I cancelled Citibank credit card but I keep getting calls once a day to make payments. I do not owe any money to 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 2018-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I closed an account more than 5 months ago but Citibank has refused to refund the amount that was in the account. I have talked to Citibank customer care representatives and visited a branch ( located on XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) more than 5 times each. Every time I call customer care, I am told to visit a branch for resolution, but when I visit a branch ( at above address ), I am told to wait for a check in the mail. The following are some of the people that I have talked to and gave me assurances that my issue will be resolved at the branch mentioned above. * XXXX XXXX XXXX *  XXXX XXXX * XXXX 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 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Submitted both electronic and mail disputes with Experian in XX/XX/XXXX. I received a response from my electronic dispute which none of the judgements were removed from my credit profile. According to Experian I am unable to dispute the same account again for 3 months even though I do not agree. I have mailed them a response however each time i mail them I never receive a response. Electronic disputes and complaints are rarley handled appropriately. I received none of the evidence gathered from the creditors to validate these open court cases being listed on my credit profile as closed accounts with negative balances. These cases are still active in court, I am not aware of how Experian obtained this information and they have not shared that information with me. I have enclosed a form from the XXXX XXXX XXXX  XXXX which begining in XX/XX/2017 all non credit accounts were to be removed from credit profiles. In addition I have sent a copy of this to the credit bureaus as well, to have these non credit account open cases removed from my credit profile.

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 2018-11-12 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Ive started receiving credit alerts on XX/XX/XXXX about several erroneous inquires. Which prompted me to check my credit, which is where Ive found several unauthorized inquiries. 


In addition, I have an opened auto loan through XXXX XXXX XXXX XXXX. The loan was opened on XX/XX/2018. However, I have two unauthorized inquiries from XXXX XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I have no authorized any inquires to XXXX XXXX XXXX XXXX after the open date of XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 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: CITIBANK, N.A.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit 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 explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank is playing dirty. I have two accounts which are checking and saving accounts way before XX/XX/XXXX. I was never charged monthly service fee before then all suddenly in XX/XX/XXXX I was charge {$25.00} per account. I went immediately to the bank and they apologized saying some changes but Citibank ended refunding me the {$25.00} per account. The monthly {$25.00} charge stop but not for long in XX/XX/XXXX again the $ XXXX  monthly fee was charged to both accounts. I didn't noticed that until today XX/XX/XXXX that I have been charge a total of {$150.00} total for the past 3 months for both accounts. 

It seems like Citibank wants to know how much they can get away with

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 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
In early XXXX I voluntarily contacted Diversified Consultants in regards to a C/O XXXX bill that became delinquent in XX/XX/2013. I know that bill was pass the statue of limitations but i wanted to clear the debt from my name. I spoke with a supervisor in XXXX in regards to a below blanket settlement of {$600.00} on balance of {$1300.00}. The supervisor agreed to a settlement of {$600.00} that would be paid in two payments of {$150.00} in XXXX and one payment of {$300.00} in XXXX to settle the account in full for {$600.00}. I asked the supervisor to provide me with a settlement letter as proof for my records and was told i would be emailed a settlement letter. I never received the settlement letter. I spoke with a representative a few days later in regards to getting a settlement letter and was again told i would be emailed a settlement letter. I never received a settlement letter but instead received a letter in the US Postal mail stating that i agreed to pay {$600.00} as payment towards to the total balance of {$1300.00}. Nothing noted on the letter reflected the settlement that was agreed upon on a recorded line. On Thursday XX/XX/XXXX, I received an alert from my credit monitoring service ( XXXX  ) stating that Diversified Consultants listed the same XXXX account as a delinquent account on my credit report in the amount of {$1200.00}. Its very unethical practices for Diversified consultants to  misrepresent the payment arrangement i made, they never forwarded me any settlement paper work regarding the approved settlement of {$600.00}. Instead i was forwarded documentation regarding payments towards the full balance which was never discussed. I stopped payment on the check immediately because I was mislead into a fraudulent arrangement that i did not agree upon. On Friday XX/XX/XXXX, I reached out to Diversified consultants and spoke with a supervisor by the name of XXXX. I informed XXXX of the situation and XXXX immediately became irate and stated that i would recieve a settlement letter until i paid the settlement balance which is not true because i was told on two separate occasions that i would be forwarded a settlement letter. I informed XXXX that i expected the negative remarks on my credit to be removed immediately because the arrangement was misrepresented and she told me that would not happen. I informed XXXX that i would make a complaint in regards to unfair practices and she told me to go ahead. The call ended and now i am here looking for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX Freedom Mortgage lost my mailed in payment and filed derogatory reports to the credit bureaus. Though I immediately responded to them when they called stating my account was late with the check numbers, tracking numbers ( proving delivery of payment ) and amount of payment, EACH TIME they would not accept this information to begin to research the lost payment. EACH TIME they REQUIRED me to provide the front and back copies of the payment before they began to research. EACH TIME they provided the credit bureaus with derogatory reports about my payment history. EACH TIME their collection agents erroneously called me multiple times a week. This is highly unprofessional on Freedom Mortgage 's behalf to misplace payments and falsely state to credit bureaus that customers are late on mortgage when in fact their employees are negligent in their processing of payments. When Freedom Mortgage recognized the error, they should have IMMEDIATELY submitted corrections to my credit report rather than wait for me to continuously follow up with them regarding this error. In an age where EVERYTHING is maintained online, it is hard for me to believe that Freedom Mortgage is unable to search check numbers and access how the money was applied on their end. Freedom Mortgage should IMMEDIATELY change their procedures for the applications of mailed in payments.

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 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
This debt collector is unscrupulous and the law firm engages in trickery. I had an HOA judgment and they illegally and unlawfully issued a garnishment on a person that was not named formally on the judgment. After payment of what I thought was in full to settle the judgment the law firm later changed the number and came back saying I owed another {$1000.00}, the case was not settled, and they wont dismiss the judgment. The law firm now refuses to adjust their legal fees and/or ask the HOA to remove the late fees and interest ( which I thought was happening when we agreed on the settlement amount that was paid ). I also found out that they sent only a tiny fraction of my settlement total to the HOA so the HOA still thinks that I owe almost the full balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Allegiant Capital Recovery LLC
State: CA

Complaint narrative:
Allegiant Capital Recovery attempted to collect on a debt that they were not entitled to collect on. The company my debt is with had withdrawn the debt from their company 2 months ago because of their harassment towards me. They have continued to call me and berate me while threatening to sue me for {$5000.00} which is nowhere near the amount I owe. They have verbally harassed me and tried to get money out of me that they are not entitled to. They are a disgusting company who should cease to exist.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
his letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation