vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 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: CA

Complaint narrative:
On XX/XX/2018, I submitted to CFPB my complaint against Citibank about a Visa credit card charge dispute resolution. Citibank responded by letter of XX/XX/2018, denying my request. XXXX XXXX of the " Executive Response Unit '' gave the same reasons as in the previous denial, which reveals that he failed to independently review the factual documents I submitted and simply adopted the previous flawed decision which falsely stated that I failed to timely submit factual information and relied solely on the information submitted by the merchant. On XX/XX/2018, I sent a Certified Mail letter to Mr. XXXX containing my demand for certain information/documents in order to consider proceeding with a claim against Citibank for breach of the credit card contract. Therein, I requested a copy of the XXXX Citibank Consumer Agreement pertaining to dispute resolution of contested charges and Citibank 's policy on handling these disputes. Mr. XXXX and Citibank have ignored this request for documents and information. I, therefore, request the assistance of CFPB in submitting my current complaint to Citibank seeking this information.

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 2018-09-10 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: Financial Credit Network Inc
State: CA

Complaint narrative:
I did an extensive background check on my XXXX County collection report and found that my debt is due to unpaid Medical services. Well I made them aware at that moment that I am recieving government aid and have been since XX/XX/1999. Well I was told that there was no medical coverage recorded. But if my medi-cal information was serquestered as I requested then there should be no bill. The Fire Department charged off my overdue ambulance service bills and that is 79 % if not more of my credit debt. I would like it reivestigated and corrected as the Fire Department and the Collections Co. said it can be done ... please. This has affected my bank accounts, credit cards, etc ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) XXXX, XXXX, Equifax Dispute Letters with the dates times and amounts there was a total of XXXX inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) XXXX, Experian, XXXX Dispute Letters with the dates times and amounts there was a total of XXXX inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter

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 2018-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Advantage Auto Sales, Inc.
State: IL

Complaint narrative:
Received a loan for a used vehicle at XXXX XXXX XXXX in XXXX, IL. Since XX/XX/2017, XXXX XXXX XXXX have been reporting incorrectly to the credit bureaus. Since XX/XX/2017 they have consistently been claiming my car payments are late each month, some even by 60 to 90 days. These are inconsistent to what is factual. I pay weekly and even pay extra each week. I have spoken to them on this matter and they keep telling me they will call me and I have yet to receive a call from their manager.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES
State: IN

Complaint narrative:
Great lakes is trying to say I owe XXXX for student loans I never took out or received money for. The college XXXX online University is now shut down my credits aren't acknowledge by other universities anywhere I don't understand what's going on. I've never made a payment because I do not acknowledge this as my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Account # XXXX, XXXX, and XXXX To Whom It May Concern : Portfolio Recovery Associates ( PRA ) reported the above accounts falsely to XXXX, XXXX  and XXXX because of the following reasons : - PRA violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an Type Of Account : Open Account on my XXXX credit report. 
and PRA violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as Type Of Loan : Factoring Company Account on my XXXX and XXXX credit report. 

- With respect to the " Type Of Loan : Factoring Company Account '' notation on my XXXX and XXXX  report : I do not have any known type of agreement or contract in writing or otherwise with PRA or the alleged original creditor that creates or procures any type of Factoring of alleged monies owed, nor am I aware of any agreement or contract that PRA has with the alleged original creditor granting them specific rights to factor the alleged monies owed. In order for monies to be factored, the debt must be in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eagle Accounts Group, Inc.
State: FL

Complaint narrative:
Since XXXX The child support collection agency has been illegally taking money from me pay check. I have filed numerous motions in court and also sent the agency notarized letters requesting proof of this debt. so far the child support agency has taken XXXX dollars from me and have no proving that I owe them any money. I have visited there office and they basically didn't want to help me. This agency is a fraud they are using the social security number that I have been authorized to use and I have never giving them permission to use it. In fact they continue to track my work by use of this number which is a felony. they are reporting to the credit agency.

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 2018-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is reporting two very specific things on my Credit Report that are not mine. One is a Name of XXXX XXXX. I have never been known by this name and this name is not mine so this is wrong.this needs to be removed immediately! 

Also they are reporting a collection account that is not mine. I have never been a patient of this place. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Address identification number XXXX This is not mine, this needs to be removed. I have never been a client or patient of this group. But if they have my SS # and have said they have provided service to me they are liars and they are committing fraud. VIOLATION OF 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 non-monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TN

Complaint narrative:
I have always paid all of my bills in full and on time, I monitor my credit report almost daily and have 0 past due accounts with any company. The letter they sent says it's for some company called XXXX XXXX which I can't find any real information about except they deal with debt collections as well. More than likely this is a scam to collect a debt that doesn't exist or somehow got me mixed up with someone else. I receive non stop calls from some scam number which I can't answer on my phone and it's getting almost abusive. Since they never leave voicemail I can't verify this is the same company but the calls started around a month ago which is close to the date of this letter.

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 2018-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CA

Complaint narrative:
I have attempted to file a dispute. The company is a bunch of unprofessional clowns on the phone. They sent my dispute forms to the wrong address. I have been unable to reach the dispute department and left three different messages fir them to call me back which they have not. I began to tell my story to an agent from that department today, after holding for 30 minutes and she immediately hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and Equifax are both reporting false information on my credit report. My credit report says that the US Bankruptcy Court-XXXX  is reporting That I filed several bankruptcies here are the account numbers # XXXX, XXXX, XXXX, and XXXX. 
I contacted the US Bankruptcy Court-XXXX  about this matter and they gave me a letter stating that they are not and do not report information to the credit bureaus. I sent the letter to the and they said they verified it with XXXX? I reached out to XXXX and they confirmed that my account has been frozen and that they are not reporting anything on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I contacted XXXX XXXX on or about XX/XX/XXXX via telephone call to discuss an apparent judgment they had obtained against me. They advised me my alleged balance was {$8100.00}, which was concerning to me since my original balance on my credit card debt was less than {$5000.00}. I of course questioned the balance, but the collector was quick to shut me down and confirm the balance is now {$8100.00}. I tried to work out a settlement agreement but was met with an uncooperative and unreasonable and frankly, rude collector. 

I did some research and decided to write a letter in hopes that a more reasonable individual would review my request. I feel that my request is not unreasonable, which I was offering {$5000.00} payable in one lump sum. I sent a written correspondence on XX/XX/XXXX explaining my financial hardship, why I went into default on this credit card back in XXXX, and an offer of {$5000.00}. Expecting a written response within 30 days, I did not receive one. 

Therefore on XX/XX/XXXX I resent another written request. This time, on XX/XX/XXXX I placed a phone call to confirm that they had received my written correspondence. The collector was rude, and was being very condescending asking why I even bothered sending a letter, making it clear that in no way they would offer better terms. I simply wanted to know if they would be responding in writing to my written inquiry. He was unwilling to answer my question, and proceeded to attempt to negotiate the debt with me right then and there on the spot. I was really surprised when this time he stated I owed {$7200.00}, and not the {$8100.00} they claimed I owed just a little over 30 days before. I asked what changed, and how could my balance drop by {$1000.00}? Again he was not able to explain why, and continued to dodge my question with is collection efforts. 


At this point I was very concerned with this debt. I feel like they are unsure how to calculate my actual balance due and frankly I'm unsure whether I'm even dealing with the right entity. I'm hoping I can get help from the CFPB and that XXXX XXXX XXXX treat me with respect and dignity, I am simply trying to resolve an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Consumers Inc
State: MD

Complaint narrative:
United Consumers engages in harassing tactics to collect debt that has been paid. They have robe called my home repeatedly and when I press 2 to talk to a representative the call is dropped. XXXX I reached XXXX XXXX, who refused to contact the medical provider verify the debt, which was already paid a while ago. XXXX XXXX insisted that I had to prove to her that I paid the debt or the harassing calls would continue.

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 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filling a complaint against XXXX XXXX XXXX I had a credit card With the XXXX XXXX XXXX was opened XX/XX/XXXX the last payment on this card was XXXX on XX/XX/XXXX. XXXX  XXXX XXXX researched there records when I filed a complaint case number XXXX with cfpb and said that they had nothing to do with the garnishment of my wages for this account because they charged this account off as a loss on XX/XX/XXXX with a balance of $ XXXX.The account was sold subsequently to XXXX XXXX onXX/XX/XXXX they said that they are sorry that I was unfairly treated and that I would have to get a hold of them because they no longer own or maintain this account as they charged it off 12 years ago. 
So this XXXX XXXX has a garnishment on my payroll at my place of employment for a card that was already charged off as a loss 12 years ago and this place has had it for 10 years claiming that they placed it with the judgement in XXXX XXXX court onXX/XX/XXXX again 8 years later then they placed it with the XXXX of XXXX XXXX XXXX in XX/XX/XXXX and had them send a letter to my work to receive {$2600.00} from me for a debt that still from the date of the City Court was 8 years later I spoke with my lawyer and he said the statute of limitations runs out after 6 years from the date that you made the last payment and that this company is not adhere to all fair lending laws and regulations he said he will give them a chance to make this right with this complaint I want this to stop coming out of my pay and I want the money that they have received from my pay in the amount that they have received so far XXXX not only have they embarrassed me at my job but they are not doing the right thing to people and they should make this right also when I called them regarding this matter they were rude and said if you want this out of your hands gives us the hole amount and we will remove it and that I don't know my laws its 20 years and that what I owe them in interest and thats to bad I should have payed it in XXXX. 

I feel that if they are doing this to me then they are doing this to many other people and they need to make this right am also filling a complaint with the XXXX office on this matter so they can see what these people are doing and how they need to get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone opened a credit card in my name through XXXX ( XXXX XXXX ). I have a regular XXXX account but not a credit card. The person who stole my identity used a fraudulent email address to open the card ( not the same one that I have on file with XXXX ), and a phone number that is not mine ( and not the same as I have on file with XXXX ). 
I reported this to XXXX credit card and they denied my fraud claim, stating that, " the information on the account verifies to you ''. This is completely incorrect. XXXX did not properly verify my information before issuing a credit card to someone who stole my identity. 
I will be submitting a police report shortly, and have already filed a XXXX complaint.

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 2018-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Could not make a purchase using my XXXX XXXX credit card and was informed Comenity closed my account on XX/XX/2018, after I failed to complete numerous demographic verification request. When asked about the request was informed I had not responded to multiple telephone calls and letters since XXXX. I never received any telephone calls or letters even after verifying both were correct. I have contacted Comenity bank at least five times since XX/XX/2018 and was never made aware of any demographic verification request. Through XXXX XXXX I subscribe to XXXX XXXX monitoring and have frozen my credit reports through all three Bureaus to ensure I maintain my XXXX XXXX XXXX. XXXX XXXX alerts have advised the closing of the Comenity credit card will have a negative impact on my credit report. I would like the negative information removed from my credit report as I never received a telephone call or letter requesting a demographic verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 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: TX

Complaint narrative:
I have tried disputing with experian there is a mortgage loan of $ XXXX on my credit for a property in XXXX XXXX XXXX, California. I also called the mortgage company XXXX XXXX and notified them of probable fraud, I sent my an email with my license and social security card to prove my identity. I do not have a mortgage at all. And the mortgage company ignored me and proceeded to not help me at all. I cant even rent a home or buy because of this negligence to verify this information.

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 2018-09-10 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: Clarity Services
State: MO

Complaint narrative:
I had previously ( on XX/XX/2018 ) tried to get a payday loan, and was unable to due to not having enough open accounts, according to XXXX XXXX XXXX, I have a credit score FAR HIGHER than what is true and they wouldnt allow me to dispute it when I called in. I have 3 credit cards open, one for more than a year, and they also reported my credit score more than 220 points above what it actually is. I called to speak with someone at XXXX XXXX XXXX XXXX about disputing it, and was informed that they refused to speak with me over the phone regarding a dispute until they send me my credit report to ensure the information even needed disputing. They reported my score far higher, I already knew I needed to dispute it. More than two weeks later, I receive the credit report only to find what I suspected to be true ; its incorrect and needs disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: SC

Complaint narrative:
I have disputed this item with Experian with no correction and I called and mailed the company, XXXX XXXX XXXX Card Services to correct incorrect information on my credit report with no correction. I opened an account in XXXX. It became past due and so I settled and closed it in XX/XX/XXXX. This account feel off my report years ago and I settled now alost 18 years ago and now all the sudden its showing up that I just settled it in XX/XX/XXXX?!!! And when I tell everyone its wrong correct they are not taking it off. XXXX and XXXX show it correctly???!!! They wont take it off

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