vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-29 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: PA

Complaint narrative:
In XXXX I have received a Sears Master Card issued by Citigroup. I have always paid all bills in time. In XXXX I have received a note, stating that Citigroup is changing things, including issuing new Credit Cards. I did not get a new Credit Card. 
But with statement closing date XXXX I have received a Statement for an account number I did not have. I have never had a credit card with the number in this statement. I have never activated a credit card with this number, because I have never received a card with this number. So it is not possible for me to use a credit card I do not have. I HAVE CONTACTED CITIGROUP IMMEDIATELY TO SOLVE THIS PROBLEM. The lady I talked to at the phone was rude, did not let me explain the case and hung up on me. 
So I wrote a letter to the billing department. The letter has been ignored. I wrote more letters to Citigroup, including to the CEO of Citigroup and the Vice President of Citigroup. The one to the vice President with Return Receipt. WITHOUT SUCCESS. Citigroup keeps sending Statements for the credit card account I have never had. They are adding up late fees to the statements. They have closed this account that never existed in my name. 
They handed this case over to a collection agency and have reported this to the credit bureaus what gave me a negative entry in my credit report and brought my credit score down.

I AM TREATED BY CITIGROUP LIKE A CRIMINAL, JUST BECAUSE CITIGROUP IS NOT WILLING TO SET THE RECORDS STRAIGHT AND CORRECT THE MISTAKE THEY MADE. 
I explained that to the collection agency and pointed out that citigroup has to file a law suite to receive a Judgement from the Court to have a legal claim. A law suite would clear the mistake made by citigroup.

I am not willing to pay any money for a mistake made by citigroup.

I expect citigroup to clear my records, and I expect that citigroup clears my Name at the credit bureaus, meaning that my Credit Report will be cleared of this entry and that my Credit Score will be cleared and returned to the state it was in before this negative entry from citigroup came.

Citigroup should also pay me Reparation for all the  trouble they put me through.

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 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I received notification today that a collection was added to my credit report in the amount of {$630.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient has : Flagged my bank account as illegitimate, and refuses to work with me or my bank in the matter of proving that my current bank account is a legitimate source of payment, thus, making it impossible to make online payments. 
Hiked up my payments with no reason in doing so. 
Given me inaccurate information when it comes to my interest rates. 
Refused to work with me in lowering my payments. 
And has taken up to two weeks to ask my bank for authorization of my payment, thus putting me in financial duress, and making it impossible for me to pay other bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is in response to Capital One 's asinine response to Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: MIDCOUNTRY FINANCIAL CORP
State: MO

Complaint narrative:
I dont fully have access to my credit report so no dates are available for me to give Ive been declined to access my accounts. I cant proof my identity to get a job I am a United States born citizen an I am asked for proof of my citizenship for everything. I cant establish credit with anyone nor can I open any bank account or rent an apartment or house under my name. I got creditors lying on my report The last and only time I was able to access my report reopening accounts I try to dispute things and nothing gets done I receive voicemail daily from companies claiming I have a severe issue with my supposedly financial aid loans I never had. I am wrongly been fired with no explanation from every job I previously had. My tax information supposedly was burned in a fire at the XXXX of the XXXX in XXXX Missouri so when I received my end of the year tax report it was missing information or it was made up information that wasnt accurate because I was highly charged for it. I never received all of my tax return for XX/XX/2018. I have cell phone companies such as XXXX XXXX XXXX and XXXX I had business accounts open with them and I didnt. XXXX XXXX XXXX authorizes equipments and services on my account without my consent and billed me for it and when I asked to have it removed or exclamation they cut my services off but continued to bill me for services for months so now I owe them XXXX dollars. XXXX changed my personal wireless account into a business account without consent and when I sent my phone back to them that I was making payments on they still claim I owe them for it plus months of services I didnt have. XXXX also invades my privacy on a daily basis they tagged my IP address an follows me. Ive seen illegal immigrants receiving loans getting credit cards getting bank accounts receiving high tax returns getting into rental properties getting high paying jobs with little or no schooling an Im as a citizen of this country is restricted to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: NY

Complaint narrative:
Three orders for the amount of {$780.00}, {$390.00} and {$450.00} were purchased on XX/XX/19 with the Macy 's store credit card. The XXXX tracking numbers for the orders, given a month later, are XXXX, XXXX, XXXX. The tracking information says that it was delivered on XXXX, XX/XX/19 at XXXX. I never received the orders and my attempts to file a claim with both XXXX and Macy 's have been rebuffed. I first contacted Macy 's and was informed that I would need to address it with the XXXX XXXX store. I went to the XXXX XXXX store and spoke with the XXXX manager, XXXX, and was told that a claim would need to be initiated by XXXX. I then called XXXX and was told that Macy 's will have to initiate the claim. I am being bounced back and forth by both companies and therefore, I am requesting a fair appeals process.

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 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I received notification today that a collection was added to my credit report in the amount of {$520.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I applied for a personal loan on XX/XX/2019 after being pre-approved through XXXX XXXX. I provided the requested documents ( 2 pay stubs, 2 bank statements, a voided check and I even provided an additional end of year pay stub for bonus verification ). I was unable to reach anyone ( I sat on hold for over 4 hours over the course of 2 days trying to reach someone ) after receiving an email that additional action was needed. Within 48 hours, my application was cancelled. I submitted an additional application ( by mistake because I was moving too fast ) on XX/XX/2019. This time, I spoke with a representative, answered the questions they had about my pay stub, and I provided additional documents they requested. Within 48 hours, that application was also cancelled. I made one final attempt because at this point, I just wanted to see if I could actually get through the process or see if it was a scam. I spoke with someone on XX/XX/2019 who asked the same questions regarding line items on the pay stub. I confirmed they had all the necessary documents ( 2 pay stubs dated within 30 days, a pay stub showing the bonus being paid out, 2 primary account statements, 1 secondary account statement, and the voided check. ) After not receiving notification that the loan was decisioned, I called on XX/XX/2019. I spoke with someone who said she went through my application " very carefully '' to make sure they had everything they needed. Within a half an hour, my application was declined for " Unable to verify employment ''. No reason outside of that could be provided when I called to speak with someone. When a lender has bank statements showing deposits from the employer, multiple pay stubs from the employer, and the availability to contact the employer by phone or through a 3rd party, I find it difficult to say they couldn't verify my employment. I feel the application was declined, not based on my employment itself, but because of the employer I work for ( a competitor who offers far better service than I've experienced here ). I feel their business practices are erroneous ( as I have read multiple reviews since my first application that state people are having the same or other similar experiences with this lender ). They refused provide a valid reason regarding the decline. For the application to be declined within 30 minutes of speaking with someone sounds like people don't want to do their due diligence. And to not have the verbiage to provide the consumer with an adequate explanation ( without providing underwriting criteria ) is absolutely an insult to any consumer. I am a standard W-2 employee with no self employed income or additional income from outside sources. Outside of pay stubs and bank statements, no additional documentation or verification should be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I received notification today that a collection was added to my credit report in the amount of {$1100.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have tried numerous times to open XXXX 's account. I had been a cardholder since XXXX but this year XXXX I discovered my card was closed by Khol 's. I was sent correspondence requesting verification of my home address, utility bill, social security number etc. I was unsuccessful on a email address that was given to me by Kohl 's account services. I called again and again and was told to re applying. Today XX/XX/XXXX I called customer service Khol 's and was told I was denied opening credit card because I receive a fixed income of social security. I have worked 44 years of my life and decided I have a greater income collecting social security than working at my past employment with XXXX. This seems odd and discriminating to me about Khol 's I made less income several years ago and I was given a credit card. I have a steady income guaranteed social security fair amount to live and I am denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Late fees not waived Rowdy behavior by Bank of America collections agency Football between departments XXXX agents talking like parrots with standard legal terrorism statements Non availability for in person meeting by any Bank of America employee in person Modern corporate terrorism Prompts voice response systems closed XXXX Giving trouble to consumer through one sided policies Charges for retrieving 7 years bank statements Other similar bank are providing free

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 2019-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I took a general payment from my TSP federal, and added it to a new Suntrust checking account est. {$13000.00}. I spent money on XXXX and online for my start up, I had my checking account and debit card number compromised repeatedly. I tried time after time to work it with Suntrust but all I could get was a temp credit which was quickly taken back, then they just completely closed my account. I've call and all I get is ppl saying my account is closed, I try to login online and my login no longer works for the past 4 months. 

I lost {$4200.00} of my TSP deposit, and they won't even tell me why, how, or when they decided to just close my account with funds still in the account. I received an email about my account being forced close and to login to see a notice. Like I stayed above, they blocked my login into my account completely.

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 2019-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I received a letter from Synchrony bank notifying me about the closing of a credit card account that I never received. I did applied for this card and Iam just now aware that apparently was approved but i never have received this card. 

The problem is, that this letter is being sent to me after I was disputing a different issue with this bank, and I told them i was going to file a complaint against them for their wrongful practices. 

The bank claimed that they did not have my physical address, but apparently they do have it, otherwise i would've not had received this letter. 
In the letter, an account is being closed, a credit inquiry was done by the company which is apparently a card from XXXX XXXX store and the reasons they claim are obnocious. 

Iam including a letter sent to me today, exactly two days after my complaint to them because they denied me bank statements f all my accounts on a synchrony card.

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 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am attaching copies of the PRA accounts that show deleted from XXXX. I have accounts with PRA that they CAN NOT provide me any physical verification that these accounts are in mine & that I do in fact owe these debts! I have tried to send PRA a letter asking for a copy of our original signed contracts which theyve failed to provide! Whos to stop PRA for their illegal techniques they use??? I am beyond baffled that we havent come to a resolution yet when they CAN NOT provide me with what I am asking for! I am asking for the 5 line items I requested to be supplied to me, they havent provided my one thing that I have requested per FCRA LAWS! I am attached the papers I printed from my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: SC

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

Company public response: Company 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 2019-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NE

Complaint narrative:
We Refinanced or house on XX/XX/2019. It is now with a different company. They have not sent my escrow refund of {$2600.00}. It has been more than 30 days. Round point mortgage service should have sent it and I should received it by now.

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 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I was never late on the accounts that I am reporting. I am asking for proof and documents to prove that I was ever late and for the past months that I am disputing I havent received any copies of the requested proof. These inaccurate reports affects my scores so bad. Please help me out and have this deleted.

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