vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I found a charge on my debit card for {$150.00} It said XXXX XXXX ( deleted ) XXXX I called the Bank and submitted a fraud report. 
I found out the money was received by a XXXX XXXX XXXX 65 miles east in XXXX Ca. The bank suggested I call them, the bank gave me their number, they were closed. 
They have no branch in XXXX XXXX. They have a bad reputation in their industry. 
Citi bank credited my account then sent me a letter saying I was responsible as the card and PIN were present at transaction! They took my {$150.00} out of my account which caused me to be overdrawn, I took care of that depositing more money. I went to my branch and asked for help. We ( a very nice teller and assistant branch manager at the end ) spent close to two hours with their fraud department, rude and not caring. Supervisor wouldnt budge, I have no business with any home health care at all. I was in XXXX XXXX and XXXX all day including an oil change at ( name available ) I asked if the had contacted The recipients of my money in XXXX? 
She ( the supervisor ) said no to which I asked what was your investigation comprised of? She would not allow us to talk to back office where decision was made, they dont take calls. 

I was shocked, it is very plain to see this was NOT in my Spending Pattern they didnt bother to do anything to investigate, these people could be an organized fraud ring, Im not in the capacity to do an investigation myself, it could be dangerous. 
Some how, my Card was compromised and they got my PIN. The tire place did have my card out of my sight. Thats the only theory I have. 
They ( fraud department ) would not listen to my very sound reasoning. The branch was great but unable to help, assistant branch manager said wait a few days to get your money redeposited. I have heard Nothing from them since. The first investigation I was getting frequent messages ( emails ) with updates. 
Now nothing. It is obviously a fraud ring of some sort and they do not care. Other people are being victimized Im sure. Citi bank fraud department does not care. Small potatoes to them but stiff the customer fraud victim ( me ) with the obvious theft. 

The Fraud department is lazy and ineffective. 
Citi Bank should be ashamed. 

Please let me know any other info that is needed.

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 is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX HUNTER WARFIELD To  Whom It XXXX Concern : This letter is being sent to you in response to CFPB COMPLAINT : XXXX sent to me on ( XX/XX/XXXX ). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request tha tyour offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action mightconstitute fraud under both Federal and State Laws. Due to this fact, if any negative mark isfound on any of my credit reports by your company or the company that you represent I will nothesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I reached out to XXXX to inform them that the account that they are reporting under my social is a result of identity theft. XXXX informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX  or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.

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: 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: NV

Complaint narrative:
In XX/XX/2018, I sent in a pay for deletion confirmation letter from the bank XXXX XXXX XXXX XXXX ( XXXX  ) to the credit bureaus of experian and XXXX, which explained that myself and the creditor had a agreement that was completed in which the account would be deleted in exchange for my payment. The letter is valid and stated completion and if I wanted to speed up the removal process I should send to the reporting agencies. I sent to the credit bureaus but experian and XXXX  never deleted it, their response was " verified ''. But i never received anything in the mail that was a copy of the verifiable proof they got from the said creditor to keep the account on my report. These types of practices by the reporting agencies are illegal, 609 federal law fcra. 
Also after not noticing any changes on my credit report, I sent in a new dispute stating the XXXX account was absolutely not verified and valid as a current account, legally. I needed to receive proof of verifiable documents, signed consumer contracts, etc. for this account to remain and again, got another response saying its still verified with no proof sent to me. The credit bureaus have my current address and contact info, they are just being a pain in the XXXX. This said account being left on my account is not only unfair but it is unjust. My report has been improperly handled which has affected my ability to obtain further credit.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: AZ

Complaint narrative:
ERC : XXXX, XXXX. XXXX  XXXX, XXXX, FL XXXX in XXXX this item appeared on my credit report ( ALL 3 ) stating I owed ERC a collection company, over {$700.00} for XXXX. It took me several attempts, and multiple disputes, as this was not my account. They finally deleted this incorrect information from my credit reports in XXXX. On XX/XX/XXXX I received a notice stating I owe XXXX {$770.00} and it has been placed with ERC for collection efforts, and has been authorized to report this debt to credit reporting agencies. Why is this nightmare re-surfacing??? It took me nearly 3 years to dispute, and resolve and have deleted and now they are trying to re-submit?? I feel this is a threat. And they are trying to get money out of anyone that will respond. This is NOT my account.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XX/XX/XXXX I reached out to Transworld to inform them that the account that they are reporting under my social is a result of identity theft. Transworld informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I reached out to XXXX to inform them that the account that they are reporting under my social is a result of identity theft. XXXX informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
I received a letter from ERC with regard to ( 1 ) collection for XXXX XXXX XXXX. I reached out to ERC asking what I needed to do to dispute this item. This account did not belong to me ; and the proper documentation was sent into XXXX. Its was removed from my credit file in XX/XX/2017. I am not clear as to why XXXX is still attempting collection activity. The previous collection agency was XXXX XXXX. What do I need to do to get this resolved. I do not want this on my credit report. I have attached the fraud form that was filled out ; police report and previous explanation to 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 2018-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I have twice submitted for employment certification for an employer who refuses to acknowledge my time working as a XXXX XXXXr. The first time, I requested it be investigated by CFPB, and the following paragraph was the company 's response : " The XXXX we received from you on XX/XX/2017, and which included several XXXX to prove your employment as qualifying during the time periods you listed, has been processed. Regrettably, we can not fully complete and certify the timeframes you listed. The dates must be in a Month/Day/Year format, with the day being exact or, if this information is unavailable, your closest possible estimate. '' I therefore resubmitted, correcting the Month/Day/Year format, and it was once again denied. This time, the denial letter explained that there was missing information section 4, and that the organization was still operational, and therefore an official must certify. It is true that the organization is operational, however, they have refused to certify. The box I checked includes the terms " refused to certify, '' and therefore I believe that this form was not given adequate consideration before being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northwood Asset Management Group
State: PA

Complaint narrative:
I received a phone call on my cell phone at around XXXX XX/XX/2018 from a company who spoofed their number to appear local, but they were not. They left a voicemail claiming to be " Offices of the Northwood Group '' and left a detailed message with my name, number, address, last 4 of my SSN, and a case number. The same call was also made to my brother in Arizona with a message containing the same information and spoofing the number to be local to him. 

They claim I haven't responded to any correspondence with them about a debt with them. I have NEVER received anything from them whatsoever. I had XXXX  them and found out that they are known by a law firm which I have used in the past for another violator of the Fair Debt Collection Act, and won the case. The law firm told me that they were in clear violation of many things by their actions and to contact you because they will NEVER pay out any lawsuits made against them. 

I still have the voicemail on my phone at the moment. 

I want to take whatever action I can against them for the negligence of this company to the fullest extent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I am a Sole Proprietor with a Business Phone number. IQ Data International @ XXXX called to collect a very questionable debt. 

They did not confirm my identity, and started to threaten my employee thinking she was me. 
They told her I owe money to a utility company. 

I have never received a letter by mail, email, or any other means of communication. 

When they started to shout and speak over my employee, I took the phone and asked if they were looking for a cleaner, and stated our hourly rate. He began to shout at me, telling me to calm down. He demanded proof that I don't owe his company the money, which is just a joke! 

Can we please get XXXX XXXX at IQ Data International to stop illegally calling companies in order to collect a fake debt, AND threatening employee 's, whom were never asked any security questions to confirm identity? 

I would like the harrassing Phone calls to stop kindly, as they can reach me by registered mail with any questions, or concerns. 
Thanks and have a gorgeous day!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Company still reporting debt to XXXX that I am not liable for.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over draft fees. I was advised they could be waived as a courtesy due to employment situation. I have a financial hardship with {$230.00} of fees on a balance if {$320.00}. Im a long time customer with Wells Fargo and they always say theres nothing they could do

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 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I disputed and requested Experian me the name of the courthouse ; the persons name they verified the dispute with ; the address ; the telephone number ; and the documentation used to verify the dispute as it related to the Bankruptcies on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. 

Experian did not provide me and have declined to provide me with that information, instead I was told the information was verified by a third party vendor. No additional information was provided. It's my understanding that credit reporting agencies are required to conduct investigations of disputed items with the furnisher of 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 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc.
State: WA

Complaint narrative:
EOS CCA has caused harm To my credit score overnight. They put a unverified debt of XXXX in collection and reported to two of 3 credit bureaus. The so called XXXX claim was old previously disputed frudarant debt of XXXX. This debt was disputed twice from two prior collection agencies that went no where over two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Green Square Company LLC.
State: TX

Complaint narrative:
I received a call from a XXXX number that left a voicemail. The voicemail states that I committed a crime by actively deceiving a financial institution and that a complaint was filed. That if I did not respond it would mean my automatic refusal. I called the number back and a XXXX XXXX answered. He looked up my number, and asked if the information was correct. then he stated he was an arbitration officer and that they were asked to arbitrate an agreement for payment of a debt, and that I had to make payment arrangements today. if I did not then they would file a suit against me. when I asked for written validation he stated that they were not able to do that without me making a payment. He said he could not send anything in writing until he had my credit card information and a payment was arranged. When I asked for further information he repeated the same. he said I was not allowed to contact the original creditor at all. when I requested that he allow me time to validate the debt with the original company and to validate his right to collect such debt he said that they would have my drivers license suspended and have my car registration renewal blocked if I did not get this handled today. He never once identified himself as a debt collector. never once said the call was recorded. never truthfully identified himself. he refused to validate anything in writing. now when I call the number back it goes to a busy signal.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
This company XXXX XXXX XXXX is trying to collect {$3600.00} and {$1000.00} from me for a bill they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXXXXXX XXXX. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation