vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forest Recovery Services LLC
State: IL

Complaint narrative:
I received a letter dated XX/XX/XXXX from Forest Recovery Services, LLC, that I owed {$20000.00} to XXXX XXXX XXXX and that I had 30 days to dispute the validity of the debt before the debt was assumed " valid ''. I immediately asked for validation ( sent certified mail ) and on that same exact day XX/XX/XXXX, I was notified by XXXX that the negative data had been entered onto my credit file. I then disputed the account with XXXX asking them for validation and they quickly validated the account. On XX/XX/XXXX I received a questionable " Account Transaction History '' printout, a lease and a " Move Out Calculation '' report. This was not substantial evidence proving that I made such debt. I then sent a certified letter to Forest Recovery Services, LLC, requesting further investigation. I also sent a certified letter to XXXX making them aware and they continue to report the debt, without proper validation. What proof was submitted, because the proof I received does not conclude I made those charges. If you take a look at their evidence, it is inconclusive. Yes, that is my name and yes I did once reside at that said address but nothing was submitted proving the charges were made by me. No receipt nor invoice, a certified letter or email to me nor checklist provided. Taking a look at the " Move out Calculations " printout, it states that I " vacated '' this unit on XX/XX/XXXX but if you look at the lease, written note states " XX/XX/XXXX Keys on counter. '' If XX/XX/XXXX is when they assessed the charges, other tenants or vandalism could have occurred to cause such charges as XX/XX/XXXX is 5 months after XX/XX/XXXX. 

Forest Recovery could not provide any substantial information suggesting this debt of over {$20000.00} is mine therefore this account should not be reporting on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX of 2019 Citibank offered to open a new checking account, which allowed to earn XXXX XXXX XXXX XXXX bonus miles after meeting certain conditions, specifically by depositing {$15000.00} and keeping them for at least 60 days ( see the attached ). As I found out later the Citi program internal code was XXXX. 
I stopped by two different local branches, but nobody had any idea about this program and offer, and refused to open an account. After multiple attempts and calls to Citi, I finally opened online an account on XX/XX/2019 and deposited {$15000.00}. Per Citis request I also submitted a Form W-9. My full {$15000.00} deposit is still with Citi. 
After 60 days of my account opening, I started calling to your customer services department ( I have a record of all my calls and hopefully you too ) in order to find out when the promised miles would be posted on my XXXX XXXX account. Unfortunately, every time I had to explain to a representative the program that nobody was familiar with, but the response has been the same : I am eligible for the bonus miles, and should receive them soon, but it could take up to 90 days after initial 60 days. 
Finally, this due date had passed, but the miles have not been posted. On XX/XX/ 2019 I called again and talked with a customer support supervisor. He told me that he could not figure out what the situation with the bonus miles was and opened an internal inquiry # XXXX. He also stated that the investigation would take another 5-7 business days. 
Yesterday I talked with another supervisor. She told me that she could not find the initial trouble-ticket and opened a new one XXXX. However, she told me that it would take another 20 business days to investigate. 
Such situation is extremely frustrating to me, and I perceive it is a deceiving practice if not to say a fraud. I have spent many hours on fruitless discussions with clueless Citi representatives without any result. Meantime, Citi is using my money basically for free without any interest. 
Based on the above I am demanding : 1. Immediately post XXXX bonus miles on my XXXX account ; 2.  Get an explanation how the financial institution as Citibank could treat such terribly its customers, and what will be done to fix this problem. 
I believe I am not the only customer of Citibank who deal with this problem. Therefore, I hope that the Customer Financial Protection Bureau will look at this situation in order to avoid it in the future and protect many of us. 
Thanks,

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 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX and I want to make a dispute about my credit score. In the past few years I was applying for a lot of banks and credit unions because I have no god experience with everything that Involves with credit back then now I have know about credit. So I writing this to help me fixed my credit score back to normal and have good advice to keep a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX and I want to make a dispute about my credit score. In the past few years I was applying for a lot of banks and credit unions because I have no god experience with everything that Involves with credit back then now I have know about credit. So I writing this to help me fixed my credit score back to normal and have good advice to keep a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank understated the amount that would be credited to my account as a finance charge during the closing process. I was required to pay {$470.00} more than was agreed upon. They have refused to treat this as an overpayment, applying it to the principal at the time of payment, but instead have sent a check with a small amount of interest for the error on their part. 

I contacted them to correct this error, they refused to fix it. 
I asked for mediation, they refused this. 
I tried to mediate the issue through the XXXX XXXX XXXX, they refused. 
I tried to file in small claims court over the amount and they have now removed the case to general civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I was in the process of buying a car when it was brought to my attention. 
The following account are not mine I cant find any contracts for business with this company I have never done business with FEDERAL ADJUSTMENT BUREAU COMPANY ( FABCO ) there is a account entry XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt. I failed to see anywhere that FABCO is in compliance with 1319.12 ( O.R.C. ) Taking Assignment of Debt! I would like the see any return checks for business? I demand to see any and all legal documentation connected to this account ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: MS

Complaint narrative:
Its on my experience report from XXXX XXXX XXXX. Ive tried to dispute but the dispute was denied. Ive never used the company nor have I ever heard of them. I tried calling them and theyre for a power company for an address that Ive never lived at.

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 2020-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was trying to close all my accounts and I want to get me money back from these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: MI

Complaint narrative:
There are hard pull inquiries on my credit report that should not be there, I would like their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: MI

Complaint narrative:
There are hard pull inquiries on my credit report that should not be there, I would like their removal.

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 2020-01-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are hard pull inquiries on my credit report that should not be there, I would like their removal.

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 2020-01-05 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: FL

Complaint narrative:
you say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

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 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
you say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

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 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
you say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Over the course of the last 5-6 months, I have had to contact Chase several times for charges placed on my account. I have several alerts attached to my account to notify of issues such as an overdrawn account, insufficient funds and when the account balance falls below a certain amount. These alerts are scheduled to come via the Chase mobile app ( as push notifications ) which advertises account alerts as one of the features for the company and the app, via text message AND email. I have had to reach out to this company several times to figure out why I am not receiving account alerts as advertised, not only that but I am being charged insufficient funds fee for overdrafts that I was not notified of. My consumer record with this company is impeccable, in the past if my account was overdrawn it was fixed promptly after I was notified. It is completely unacceptable for this company to continue to operate using these deceptive practices and advertising models. This is an issue that occurs far too often for this " company '' to still operate and holds consumers ' funds. I have been a customer for over 7 years and have never been more dissatisfied with a " banking solution '' than I have been with Chase. My account was overdrawn on XX/XX/20 and I never received a notification, push or text, or email alert of this occurence although I have more than 10 alerts active on my account. I logged in to my account XX/XX/20 to find that not only was my account overdrawn but I was also charged {$34.00} insufficient funds fee. I immediately contacted Telephone Banking to once again attempt to find out why this is continuing to happen. XXXX was of little help even after I explained that they have record that I have had to continually reach out to have this resolved. I've also spoken with several associates that have this same issue, this company is not allowed to take advantage of consumers and force them to pay fees if they do not deliver the proper and adequate services offered. This company has misled me as well as other consumers based on the functionality of its services. Not once did any representative offer to rectify this situation in a way that would be best for the consumer even after the deceptive advertising and service practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT PORTFOLIO RECOVERY A Reported : XXXX XXXX, XXXX {$680.00} Needs Attention 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 PORTFOLIO RECOVERY A Reported : XXXX XXXX, XXXX {$680.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC 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, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/19 Statement New purchases Summary Account Activity {$2.00}, XXXX ref # begin with ( F ) are NOT NEW PURCHASES {$860.00} New purchases are without the ( F ) ref # There are {$1.00}, XXXX UNEXPLAINED NEW PURCHASES that are not new purchases that do Not give Accurate Purchase Date or any Merchants Name of who placed purchases of {$1600.00} on my card I KNOW DID NOT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$360.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$410.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$1300.00} Needs Attention 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 ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$360.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$410.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$1300.00} Needs Attention 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, 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 2020-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: MD

Complaint narrative:
I got a loan of XXXX dollars. Payments were XXXX a month, I had some medical problems and missed a couple payments now they want me to over XXXX dollars back This is over 900 % interest How is this possible, they are robbing seniors I am XXXX and can not make these payments being on fix income.

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