vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I submitted an application for a Citibank XXXX XXXX Master Card In XX/XX/2019. I received immediate notification that I qualified and was sent a card in 7 days. The promotion stated that if you spent {$2500.00} in 3 months you would receive XXXX miles. I spent around {$4000.00} but did not receive the promotion. When I called, I was told since I had a personal card within 48 months ( not the previous 24 months which had been the rules prior ) I would not qualify. I received no notification by mail or email that I didn't quality. I am now told i ( n the very fine print at the bottom ) it states the 48 months disclaimer. But I still can't find it anywhere. Perhaps in the original application which I don't have access to. I feel if they change the requirements they should notify the consumer that they do not quality for the promotion. But they failed to do this and feel they encouraged me to sign up for a card, spend the money and they tell you they have changed the requirements after you have spent the money. Totally unfair to the consumer. I have called Citibank and was told about the 48 month period which they acknowledge is a change in the program but refused to give me the promotional points.

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 2019-10-30 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: DISCOVER BANK
State: IL

Complaint narrative:
After conducting my annual credit report review, I have notice several items on my credit report that does not belong to me. I have filed a police report, submitted a letter of concern, proof of identity, and address to the companies in question. It has been over 45 days and I believe, that should had been enough time to investigate that these accounts was fraudulently established without my permission. These accounts was established without verifying identification. Which that alert was already established on my credit report before these accounts was open, requesting verification. I guess that system is flawed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
We had XXXX XXXX, back in XX/XX/XXXX we contacted them that we wanted to stop our service, We paid the final bill, we then switched to XXXX XXXX for our high speed internet, phone, and tv. We were surprised to get a bill from XXXX and contacted them after we canceled our service, XXXX then sold our account to DIVERSIFIED CONSULTANTS, We have been fighting with them and XXXX XXXX to get this removed from XXXX XXXX 'S account for almost 2 yrs  now. The total amount we do not feel we owe for two reasons first this account was not sold to the collection until XX/XX/XXXX, and two we canceled our service. And gave them plenty of notice about it as well. D.C is showing they have had this account since XX/XX/XXXX that is not true.I had submitted a complaint before but had the wrong name but this time I have the correct name. All we want is for this collection to be removed from his credit report. It is past the normal time frame of 2 years, it's time for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The medical debts were disputed as an identify theft and dismissed by the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: GA

Complaint narrative:
I work for XXXX and XXXX and then both companies run a background check on me with the agency called Checkr. The background Checkr run was inaccurate, it shows my license was not valid : however, when I go to check with Georgia Department of Motor Vehicle, Georgia DMV provides me proof of having a valid drivers License. I send the documents back to Checkr and then Checkr has not made the change in the report yet. I requested for Dispute and there is no change. I need to get back to work. I need to be able to work, that is stopping me from paying my bills. I have to pant car note and house. I need to pay my child Support. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: TN

Complaint narrative:
Account XXXX : XXXX XXXXeference Number : XXXX Right below is the latest response from PlusFour. 

" The information provided by you to us is the same that we have on file for you. If this is not your debt then please provide information proving that this person is not you. If you are a victim of identity theft or fraud there are steps that you can take. Otherwise based on the information you have provided to us and what we have from the creditor this debt is yours. You account is marked as disputed and will remain so until you are able to resolve it. '' I don't have to provide information to prove the person is not me. It is PlusFour 's job to prove it belongs. They have yet to show a signature or proof that they are authorized to collect this alleged debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The collection agency in question is Kimball, Tirey, & St. John , LLP.

My issue with them is as follows : They were awarded a judgment against me by the California Superior Court and subsequently awarded authorization to levy my bank accounts. I paid the Levying Officer ( XXXX XXXX County Sheriff ) the full amount due plus all interest accrued up to the day I paid them which was XX/XX/2019. The XXXX  clerk verified the total amount due the day of and issued me a receipt for the payment rendered.

Several days after this I received a telephone call from Kimball, Tirey, & St. John , LLP attempting to collect the debt. I advised them that I had indeed paid the Levying Officer and that our business was done. The called the XXXX   and verified that I made the payment and stated that it was the policy of XXXX  
Levy Officer to payout judgments towards the end of the month and it would be three weeks before they received the payment. Now two days
ago, I receive a Memorandum of C

ost After Judgment from Kimball, Tirey, & St. John , LLP seeking an additional {$21.00} in interest ( apparently accrued during the time period they were awaiting payment from the Levying Officer ). I feel that this is extremely unreasonable on several fronts : 1. I can not control when the Levying Officer pays Kimball, Tirey, & St. John, LLP ; I paid the Levying Officer as directed by the court. 2. I paid all interest that accrued up until the very minute my payment to the Levying officer was received and I have substantiating documentation. 3. This Memo is supposed to be responded to within 10 days yet it was 10 days old when I received it. I believe that the actions of Kimball, Tirey, & St. John , LLP are unreasonable and unfair. I have nor reason to believe that even if I paid the {$21.00} that they would not com e back and say that there was
additional interest accrued since their Memo issued on XX/XX/2019. This could conceivably go on in perpetuity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX closed a MasterCard earlier this year because of a missed payment. The account is in my name but was being paid monthly by my ex-wife. I have since taking over the account and have been paying it down. However because the interest rate is so high, it is making it difficult for me to pay it off and creating a financial strain on me.

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 2019-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In 2015, I received notice that I was significantly delinquent on specific loans that were serviced by Citibank. In order to prevent charge off status being applied to my credit report, full payment of the loan amounts were requested. I paid those payments through my XXXX XXXX  account through the below checks : Check # XXXX - XX/XX/2015 - {$4000.00} Check # XXXX - XX/XX/2015 - {$1600.00} Check # XXXX - XX/XX/2015 - {$500.00} Check # XXXX for - XX/XX/2015 - {$500.00} After that, my balances were transferred to XXXX XXXX and XXXX XXXX XXXX. Both service providers can not provide information on these payments. Balances continue to not reflect in my history of all three providers and 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 2019-10-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian and XXXX refuses to remove an account on my credit report and claims account was verified as accurate although the account was dismissed in local court as being unverified.

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 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
When We My Wife and I Applied for a home loan & Credit card this was reported XXXX XXXX XXXX Plus XXXX XXXX XXXX 39 Serious Delinquency 18 Number of Account Delinquency 13 times since Delinquency is too recent or unknown 14 Length of time account have been established 20 length of time derogatory public record or cllection is too short This was reported from all 3 credit account on Notice to home loan applicant by attached plus XXXX  was written off XXXX not XXXX  & should have been removed SOURCE : XXXX XXXX XXXX XXXX XXXX  TRANUNION I witness these account myself on dispute sight Now the companies are deniding credt information that was posted and given

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Never updated employment.

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 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: TN

Complaint narrative:
I am unaware of any dealings with the original creditor of XXXX XXXX XXXX XXXX  XXXX or the current creditor of XXXX XXXX XXXX ; nor do either of these creditors appear on my credit reports. 

It is my belief that this alleged debt is either well outside the collections statute of limitations and attempted to be collection outside of FDCPA laws or is fraudulent. I require that XXXX XXXX XXXX provide documentation which includes my signature that shows I in fact authorized this alleged debt. That said please consider this my formal notice that I dispute the validity of this alleged debt and any additional collection attempts during the debt validation period of 30 days will be reported as a violation of the FDCPA and I will leverage all available legal remedies.

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 2019-10-30 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: IL

Complaint narrative:
I don't recognize this accounts, i don't have any agreements for this companies with my signature. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

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 2019-10-30 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 — Was not notified of investigation status or results
Company: Riverwalk Financial Corporation
State: MA

Complaint narrative:
This is an UNKNOWN account. I do not owe {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TN

Complaint narrative:
XXXX  and Equifax refuses to remove an account on my credit report and claims account was verified as accurate although the account was dismissed in local court as being unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JTM Capital Management, LLC
State: TN

Complaint narrative:
I am unaware of any dealings with the original creditor of XXXX XXXX XXXX and XXXX or the current creditor of JTM Capital Management ; nor do either of these creditors appear on my credit reports. 

It is my belief that this alleged debt is either well outside the collections statute of limitations and attempted to be collection outside of FDCPA laws or is fraudulent. I require that JTM Capital Management provide documentation which includes my signature that shows I in fact authorized this alleged debt. That said please consider this my formal notice that I dispute the validity of this alleged debt and any additional collection attempts during the debt validation period of 30 days will be reported as a violation of the FDCPA and I will leverage all available legal remedies.

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 2019-10-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Offices of Robert A. Schuerger Co., LPA
State: AL

Complaint narrative:
XXXX XXXX XXXX at schuerger Law is completely unprofessional. He has harassed me via email and telephone calls for weeks. The calls have gotten so extreme that Ive received 10 in one day. I sent a cease and desist letter as a result. The debt he is referring to was signed in 2008. He says that I owe {$860.00} and that it must be paid immediately. He also claims that he is collecting the debt on behalf of XXXX University and not as a debt collector. The age of this debt is beyond the statue of limitations in Alabama which if he did his research he would know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting an inaccurate credit card account on my credit report that is hurting my credit score drastically. This is the only bureau that has this account on my credit report. Inaccurate reporting. The account is from XXXX XXXX and the balance is saying {$940.00}, says the account was opened XX/XX/2013. I told Transunion about to inaccurate reporting and that their the only credit reporting company saying this account belongs to me nothing has been done.

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 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
We have been receiving daily robocalls, for at least two weeks ( as of XX/XX/2019 ), usually between XXXX and XXXX in the afternoon, from Pioneer Credit Recovery, claiming that they are calling about debt collection. There are a number of things about the call that scream 'scam ' to me - too many to list here. 

The call is always the same recording, whether I answer or if I let it go to voicemail. There are no specifics, but always a statement that I need to call them back at an 800-number.  There is no ability to connect to a real person when I answer the call We have no unpaid debts, and our credit is golden. This is definitely a scam, and has risen to the level of harassment. 

The call is always from the phone number XXXX. The call-back number is always 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 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I didn't sign up for this account. My credit information was breached and all of a sudden I see this installment plan on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
On XX/XX/2019, I filled out an application for payday. When completing the application it asks when did I get paid. I marked XX/XX/XXXX and the last day of the month. Before signing the application and accepting the payment I stated to the representative that I get paid on the XX/XX/XXXXand last day of the month. The representative stated that it wouldn't be a problem and they will correct. Once I notice that they didn't fix the problem I called them back. The representative told me that there nothing I can do about the contract was signed. I am explaining to the representative that I don't get paid until the XX/XX/XXXX which is the last day. The representative started getting smart and I told me that the issues wasn't going to get fixed. 

I need them to resolve the problem because it causing my account to be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am contacting you today because Citi Bank is reporting my account history on my credit report incorrectly. After applying for a home mortgage I took a look at a recent copy of my credit report and saw that Citi Bank is reporting that I was 30 days past due in the months of XX/XX/2014 and XX/XX/2014 which I know is inaccurate ( please see an attached screen shot of the account on my credit report ). I have been a card holder with Citi Bank for over 20 years with never a late payment on my account. I am requesting that Citi Bank removes the late payments reporting on this account for the months of XX/XX/XXXX and XX/XX/2014 from XXXX, XXXX, XXXX  and any other credit reporting agency they have reported this account.

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