vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

XX/XX/18 - XXXX XXXX XXXX XXXX - {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 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: GA

Complaint narrative:
I have filed a dispute with Equifax ( Confirmation XXXX ) and they have failed to provide documents that their company has on file which was used to verify the accounts that I have disputed. 30 days has since passed and under 611 ( 5 ) ( A ) of the FCRA they are required to delete any information that they are unable to verify in which I have disputed. Please assist me in dissolving this matter. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.

Complaint narrative:
Holder of a savings account and a checking account died in XXXX, Massachusetts. The widow of the decedent filed probate and was appointed Personal Representative of the Estate, and requested of Citibank, N. A. that the accounts be closed. Citibank said they did not exist. We sent to them their own correspondence with the account numbers. Citibank then requested a notarized letter of instructions, to close the account. That was sent. Citibank has repeatedly asked for the same items sent to them several times, promises action when called on the phone, and the only response is another form letter. Citibank after saying the account did not exist, sent a letter saying that we had to act as otherwise it would be treated as a dormant account and apparently go to the State In response to my sending the package of back information and copies to the Director of Operations Support on XX/XX/2018, I received a letter dated XX/XX/2018 requesting a copy of the English translated death certificate, foreign letters of testamentary and a notarized letter of instructions, with an attestation from the United States Consulate. I called Citibank to remind them that this was a death and a probate in Massachusetts, was told that an account representative would assist me, and was left on hold for about 28 minutes until I realized that no one was going to pick up the phone.

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 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
My identity was stolen and I have a bunch of accounts in collections. My credit score is  crushed! 

XXXX XXXX XXXX XXXX - XX/XX/15 - {$790.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
We transferred too much money to savings and our mortgage payment was withdrawn causing our account to overdraw by {$250.00} and two transactions on XX/XX/18 ( incurring two overdraft fees ). The following day Citizens Bank re-ordered all our debits to show a total negative of {$230.00}, but they made this up out of 5 transactions instead of the two that actually caused the overdraft. They listed the transactions by amount from largest to smallest to maximize the number of times they can charge fees. This wasn't the order the transactions were done in or the order they posted to the account and we have evidence showing this. I want the additional fees to be returned and I want the bank to stop ripping people off. I'd have preferred to deal directly with Citizens to get this fixed by their customer service department refused to even attempt to understand what the issue was. I will gladly provide more evidence and written testimony for a class action suit if needed and have filed complaints with the other state and federal agencies with oversight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
My identity was stolen and I have a bunch of accounts in collections. My credit score is  crushed! 

Americollect collections - XX/XX/XXXX - {$220.00} Americollect collections - XX/XX/XXXX - {$280.00} Americollect collections - XX/XX/XXXX - {$280.00} Americollect collections - XX/XX/XXXX - {$150.00} Americollect collections - XX/XX/XXXX - {$220.00} Americollect collections - XX/XX/XXXX - {$220.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I was in an accident which was not my fault in XXXX. I just took out loans on a brand new XXXX XXXX XXXX. We did not even have the vehicle for a month. No one notified us we had any outstanding balance until XX/XX/2018. We were told from XXXX XXXX that it was taken care of in full, we owed nothing. We contacted XXXX in XXXX, MA and they said they would take care of it. We heard nothing until XXXX from a notice dated XX/XX/2018 claiming we still owed XXXX. I asked them WHY and if they could send an invoice. They claimed they can not tell us WHY. So WHY should we pay a bill that we can not see WHAT we are being charged for? I called the dealership and the " manager '' said that the VIN number was wrong. She refused to also tell us WHAT the bill was for. I feel this is illegal especially because we do not know WHAT or WHY we are being billed this amount. They are threatening to take action if we do not pay this amount within 10 days. We do not have the money to pay it at the moment, and we were told we owed nothing by the other person that works at the dealership and he would take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/2016 Amount {$240.00} Phone of debt collector : XXXX Collector : Pendrick Capital Partners II LLC XXXX XXXX XXXX XXXX IN XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reached out to the CRA ( Equifax ) several times with the same complaint. I have sent certified mailings with return reciept with the same complaint. please remove these 2 inquirys cause they do not belong to me. I have sent certified letter to XXXX XXXX XXXX as well with return reciept and still no responce. I did not apply for these services. 
Please REMOVE these inquirys from my report they do not belong to me. 



XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

The law offices of mitchell d. bluhm & associates collections - XX/XX/18 - {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Reference : CFPB Case No. XXXX I received a letter from Citibank ( XXXX XXXX ). 

At no time for the promotion was I advised that there was a " Know Your Customer Program '' for purposes of marketing strategies to understand clients financial needs which required a series of personal financial questions which was not the business of Citibank nor did I wish to answer. 

This should have been disclosed ahead of time not lure people in with a bonus for a checking account and then get a run down on all their personal and private information. 

This is deceptive and a hardship to people who need to arrange transportatation to the bank,. etc.. Banks give you the option of opting out of sharing information with third parties or not engaging the help of financial advisors. You do not automatically get set up like this without the permission and disclosure to the customer. This is a disgrace for Citibank in keeping customers in the dark ; manipulating customers and not disclosing the truth about promotional offers ahead of time but only after they make a complaint on their deception thay mail you 8 pages of fine print..

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 2018-09-05 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: GA

Complaint narrative:
On XX/XX/18 while at XXXX, I was told I could save {$50.00} on my purchase by applying for credit car. So I did. A few minutes later, I was told I was declined. I didn't think much about it because I know my credit is good. But yesterday I received a letter from XXXX XXXX, Creditor dated XX/XX/18 that I was denied by Experian because I am " deceased ''. I attempted to call Experian this morning and speak with someone which is impossible. Then I attempted to contact them on-line and they are requesting that I send them numerous documents to prove I'm alive. 
My question is : Why shouldn't Experian be required to provide documents to me proving I am dead?!!

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 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALCHRO INC.
State: FL

Complaint narrative:
My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

XXXX XXXX XXXX XXXX XXXX - XX/XX/15 - {$75.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/15 - {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Previously, I filed a complaint XXXX against J P Morgan Chase for their improper entrance and stealing monies from my personal account. In their response to my CFPB complaint, they in turn wrote AND included a response letter to our Bankruptcy Attorney ( XXXX XXXX XXXX ). The XXXX XXXX XXXX, does NOT represent us in our Consumer Financial Protection Bureau filed complaint. J P Morgan Chase, violated my right to privacy by including response letter 's to an attorney that doesn't represent me in my filed complaint. Nor did we include the XXXX XXXX XXXX in our complaint as our representative ( s ). J P Morgan Chase, have violated our privacy rights by including the XXXX XXXX XXXX in our filed CFPB complaints. Moreover, in retaliation, J P Morgan Chase have began to continue their harassment by accumulating monies deposited into my account. Further, J P Morgan Chase in their response letter addressed to the XXXX XXXX dated XX/XX/2018 is full of lies. J P Morgan Chase, began stealing monies from my account beginning with {$2.00} that they have yet to return to my personal account. J P Morgan Chase, began stealing monies from my personal checking account in an attempt to collect monies from another customer. As of today, J P Morgan Chase have continued to DISCRIMINATE and HARASS me via my personal account by accumulating monies deposited to cover previously written checks and personal insurance premiums. This is formally called REPRISAL/RETALIATION for my previously filed CFPB complaints. ALL SUPPORTIVE EVIDENCE WILL BE SENT VIA FAX AND IS STRICTLY FOR THE USE OF THE CFPB NOT THE XXXX XXXX XXXX AND ANY OTHER ENTITY THAT CHASE DECIDES TO SEND THEIR RESPONSE LETTER 'S TO. THE END!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: TOWNE MORTGAGE COMPANY
State: MI

Complaint narrative:
I am writing in regards to a mortgage payment that was reported as 30 days or more late on my credit report. The payment was due on XX/XX/XXXX. The payment was made online, during regular business hours, on XX/XX/XXXX. However, the payment was reported as more than 30 days late on my credit report, which is negatively affecting my credit report. I attempted to contact Towne Mortgage Company by phone to discuss this situation and was told that I have to put my concern in writing. I emailed my concern to the email address provided on XX/XX/XXXX ; with no response. Is it legal for this company to incorrectly report the payment date?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 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: CA

Complaint narrative:
i filed disputes with experian indicating i only have one address and gave them the correct address however they still list several variations that need to be 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 non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Todd, Bremer & Lawson, Inc.
State: FL

Complaint narrative:
I was contacted this morning at approximately XXXX XXXX. by an individual who identified himself as XXXX XXXX. He called my office and identified himself to my assistant as an attorney who was interested in talking to me about XXXX XXXX XXXX ( my XXXX  XXXX ). My assistant transferred the call to me and when I asked him how I could help him he indicated to me that he was an attorney. I XXXX XXXX myself and thought I somehow knew him. 

He stated the language informing me that he was a debt collector and that he was collecting on a debt. He then proceeded to ask me about an incident that occurred at the University of XXXX XXXX ( XXXX ) approximately two years after I no longer volunteered there as an XXXX   volunteer with the XXXX XXXX XXXX for the local chapter of the XXXX. I indicated to him that I had no affiliation with the chapter and haven't been involved with them for several years and was not involved in the local chapter or the housing corporation in any way. He stated that I am somehow responsible for a debt. I told him to contact the XXXX XXXX with any questions or their lawyers and he said that he has already done that and that they are passing responsibility onto me. I then asked him for his contact information and informed him that I was reporting him to my XXXX  XXXX and to the CFPB for improperly contacting me and he basically said go right ahead. My concern is that he contacted me at my place of employment and that he was very brazen in the way that he spoke to me which I felt was harassing in nature. As such, I would like to report him at this time since he misrepresented himself to my assistant by indicating to her that he was an Attorney and made it sound like he was affiliated with my XXXX  XXXX and somehow was acquainted with me. I felt that his tactics were misleading and deceptive and very concerning and that they violated the Fair Debt Collection Act in the way that he conducted himself. 

His contact information is as follows : XXXX XXXX of Todd Bremer Lawson ( Debt Collection Agency ) with a phone number of XXXX based on the number that he gave me. However, when he called he was listed as a local number from XXXX, FL which was also misleading as he is based in South Carolina. Their physical address is XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

Please investigate this matter to the fullest to protect others from this type of collection activity. Thanks! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: IL

Complaint narrative:
I have contacted all 3 credit reporting agencies regarding a XXXX XXXX account financed through XXXX XXXX. This is not a duplicate! I have contacted XXXX XXXX on numerous occasions and have constantly been redirected by their customer service center. Below is a description of my complaint. The times purchased were from years ago and I resolved this matter with XXXX XXXX, please see notes below. I am standing on the fact that I bought used furniture and the store refused to take the furniture back. I asked the 3 credit reporting agencies to conduct an investigation into this matter as the store has not been able to assist me. 

I did receive a letter from Equifax stating this information is not reporting on my credit file, however, when I looked at my credit file again XXXX XXXX is still listed. 

In 2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Diversified Consultants bought an account from XXXX that was closed almost a year ago. They are claiming there was an " implied contract '' that would auto renew without my knowledge or permission. I have this recorded from the conversation with their agent. I moved and I had XXXX XXXX service but my contract was already up. XXXX XXXX didn't work in my new area. We tried to make it work and never had a good signal. XXXX XXXX refused to give me a return address to send back the equipment and it took me months to track down someone ( third party ), to figure out how to send back the equipment from my original expired contract. I got it returned and got a confirmation. When Diversified Consultants called, they didn't listen at all and demanded that I pay over 700 dollars including non return of equipment. I told them the equipment was returned on XX/XX/2018 and we were talking on XX/XX/2018. I then emailed them a copy of the returned equipment confirmation from the XXXX store on the XXXX account that is for XXXX, ( this was also done on the XXXX of XXXX ). I requested proof of debt which, according to the FDCPA is not merely a bill and I explained that to the Diversified rep. I received a letter on XX/XX/2018 with a copy of a bill and a demand letter showing non return of equipment even though the email with the proof of the return was sent more than a week prior to this letter. Also, it is a bill, there is no proof or breakdown of the debt it just shows " previous balance '', I have no way of knowing what this is and it is not proof at all. This was already conveyed over the phone to them. They also contacted my wife, who was never on the original account and whose phone number was never on the account and this is a clear violation of privacy.

Company response to consumer: Closed with non-monetary relief