vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citicorp refuses to remove fraudulent inquiry from my credit report. the customer service is horrible and they LIE. Every single time i talk to someone from this company they acknowledge that the activity was XXXX and they tell me to give the credit bureau XXXX 30 days to update the info. 30 days to remove hard inquiry that was proven XXXX. and they after the 30 days never happens. I can prove ID Theft that dates before this date and even alerted XXXX that this application was not me immediatly after i received the Alert someone was trying to open an acct in my name. Citicorps 30 day excuse is getting old since it is nearly 6 months after the first time i was told it would take 30 days. see attached.

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 2015-06-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XX/XX/XXXX, my spouse purchased some jewelry on the XXXX website. In our online account information, we have her card, my card, and a joint card listed. She mistakenly placed the order with my card. XXXX months later she made another purchase, this time with her card. When it came time to pay the monthly bill in XX/XX/XXXX, we discovered that my card was nearly XXXX months overdue due to the fact that my spouse had used it by mistake. I had n't checked my account because I had not used it. We were charged {$100.00} in late fees and then my credit report was hit with a delinquency notice. At no time, did Macy 's ever send a written notification of the missed payment. They state that because I was paperless it is my responsibility to check online. However, since I never made purchase ( at least not one that I was of ), I did n't check. I believe creditors are required to notify in written form of a delinquency prior to sending you to collections or issuing a delinquency notice. In any case, once the discrepancy was discovered, the account was paid off. I feel that punishing me with a delinquency that will stay on my file for up to 7 years is unjust, particularly when I paid almost twice for the value of the original charge ( approximately {$140.00}. ) This behavior is very abusive and unfair. Macy 's has discretion and to punish a customer/consumer in this way is not only excessive, but vindictive. The account was paid and so was a substantial fine, relative to value of the original purchase. Furthermore, Macy 's made not attempt to alert me to the missed payments. They simply avoid doing this in order rake excessive fees. Then they add further injury by harming my credit history and raising my cost of borrowing. There has been no other time in my history with Macy 's that I have been delinquent, and I have had this particular account, since I was XXXX years of age ( XXXX years ). This type of behavior should be allowed to occur in our economy. Fortune XXXX companies are given far more leeway and protection than individual consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I filed a dispute with Equifax because they are STILL incorrectly showing a discharged bankruptcy on my credit report. 
I am NOT disputing I filed the bankruptcy, what I am disputing is WHY is it on my file? The Bankruptcy was filed as a Chapter XXXX in XX/XX/XXXX. In fact, XXXX were filed because I did not understand the process. Both have been discharged and per the credit report limits, should be removed in XXXX years. 
Equifax is REPORTING the Bankruptcy as being filed in XXXX XXXX - an outright lie. In XXXX XXXX, they received a notification to delete the BK file or notice to delete the file. Instead, they flagged my account as if this BK was filed in XX/XX/XXXXi. Even though the BK info clearly shows the date filed, discharged ( XX/XX/XXXX ) and status as a Chapter XXXX. 
I am so tired of having to contact you regarding these credit bureaus. Equifax is negatively and willfully impacting my credit score by having erroneous information, presented as " current '' XXXX shows NO public records and that is correct. Please investigate on my behalf. 
Thank you. 
Disposition Date XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXDisposition Date XXXX/XXXX/XXXX ; Date Verified XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MDXXXX : ( XXXX ) XXXX is the address for both filings. As you can see, both are older than XXXX years old and should no longer show on my credit report. Unless you are trying to force my credit score to remain lower. How many years must I pay? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A check was written to the Franchise Tax Board for the State of California in XXXX XXXX. It was stolen from my mailbox and altered to a fictitious name : XXXX XXXX and was cashed at a XXXX XXXX ATM in XXXX XXXX XXXX. I was informed that I had not paid my XXXX XXXX quarterly state tax payment by the Franchise Tax Board in XXXX XXXX. Upon hearing of this, I immediately contacted Chase Bank ( with whom I bank ) and informed them of this. Since then, an affidavit of Unauthorized Endorsement or Altered Item Form was completed. A police report was also filed. 
I was informed by Chase Bank that these funds were not recoverable because this was noted and filed outside the bank 's 60-day recovery time frame policy. The fact that this was clearly an altered and stolen check was never denied. The check includes my social security number as this is what the California State Tax Board requires. This is not typically on a check written to any entity other than the government. 
A formal complaint through Chase was filed and a local branch manager also worked through the corporate chain to file a complaint to help me recover the funds. I was informed that because it was outside the 60-day recovery time frame, I would not recover any of the {$4000.00} that were stolen from me and also stolen from the Franchise Tax Board. 
The difference with this case is that the Internal Revenue Service and the Franchise Tax Board works a year behind. They often do not inform of delinquent payments until a year later. Also, it is important to note that this can directly impact my ability to work. I am a XXXX and the State of California Licensing Board sent a letter to California XXXX stating that if the State taxes were not paid, our licenses would be revoked. This check being stolen from both me and the State of California has put my livelihood at risk and also my potential ability to pay future taxes. I can not pay my taxes ( especially if anything is owed ), if I am unable to work. Moreover, I am a XXXX in a country where we have a shortage of XXXX. XXXX. There is also a nationwide shortage of XXXX who care for XXXX XXXX. If my license were to be revoked, this could potentially have a direct impact on their health until a replacement for me was found. 
In conclusion : this is a check written for the State of California and the Franchise Tax Board operates a year behind. Also this checked has clearly been altered but it was noted until a year later because of the specific entity to whom it was written. This delinquency could have an enormous negative impact on my ability to be a productive member of society as paying my state taxes is directly linked to my ability to have a state license in good standing. Therefore, it is my request that the decision to recover the stolen {$4000.00} be re-evaluated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I disputed the debt. The account was opened with XXXX XXXX In 2012. I contacted the agency to make payment agreement. Portfolio asst. said the only take checking or savings account. Also, This company falsely reported to XXXX that this a new debt and it brought down my credit score by XXXX. The Supervisor told me its because I disputed the debt. I never disputed with XXXX it was on the credit report he told me to pay my bills on time very disrespectful man

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery contacted my employer on Friday XXXX XXXX, XXXX times! The company was closed so a message was left on my employers answering machine that " he had XXXX accounts on his desk to discuss with me and if I did n't call back, he 'd have to take it to court. '' My boss only had a phone number, the person did not leave his name or name of company. To my knowledge this is in violation of the FDCPA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ballybunion Enterprises, Inc
State: CA

Complaint narrative:
freedom acceptance corp. put a lien on my XXXX account in XX/XX/XXXX. i fear they will continue to peruse debt collection from a XX/XX/XXXX debt in XXXX ca. The Bureau 's investigation also found that Freedom Stores , Inc. violated the Electronic Fund Transfer Act by failing to properly disclose the terms of preauthorized transfers, and that Military Credit Services violated the Truth in Lending Act by failing to properly disclose the terms and interest rates on the loans it offered

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
On XXXX/XXXX/2016 I had statement cut with a balance of {$28.00} with a due date of XX/XX/XXXX. I believed I had auto payment on from my checking account which I evidently did not. I was charged a {$25.00} late fee and {$25.00} in interest. 
The {$25.00} interest charge is the most troubling since that 's over a 1000 % APR on a {$28.00} balance. 

On XXXX/XXXX/2016 I noticed my XXXX XXXX and XXXX XXXX credit card accounts had been closed when I went to sign in to it presumably for this late payment of {$28.00} on a {$14000.00} credit line. I immediately paid all outstanding charges on both cards including all fees even though I think the interest rate is suspicious. Barclays never notified me cards had been closed luckily I had n't tried to use it since it was, that would have been a very embarrassing moment I do not wish to have my XXXX account reopened, but I would like the {$1500.00} in rewards on XXXX and {$4.00} on my XXXX XXXX card that I saved up for months so that I could use on my trip to XXXX next month to run in the XXXX 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 monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I was XXXX on XX/XX/XXXX I was XXXX until XX/XX/XXXX. During this time of my XXXX somebody used my Barclay rewards MasterCard I had {$200.00} or so that was my debt on the card but Barclay is claiming that I owe {$700.00} now. I 'm XXXX. I have no source of income except for XXXX so they ca n't come after me for any money but I 'm looking to settle with them to pay the XXXX I think it was like {$220.00} and then have it squashed and make them take it off of the credit bureau so it quits ruining my credit score. but they have n't even been able to help me with filing that there 's fraudulent charges on there I can prove I was XXXX they just keep wanting this {$700.00} that I do n't legally owe and they wo n't let me log into my account so I can print out these charges that were n't mine and show them and a lawyer or discuss them to come to a settlement. Because I was XXXX, the police are n't interested in the identity theft that happened to me but I still need to get this fraudulent debt squashed. Like I said I 'll even pay the XXXX or so dollars that I do owe. Please help me resolve this matter as it is really affecting my life in a negative way. Thank 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 2015-12-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc.
State: NC

Complaint narrative:
XX/XX/2015 I PURCHASED XXXX PIECES OF GRAIN LEATHER FURNITURE FROM CONN'S APPLIANCES dba CONN'S WHICH WAS DELIVERED XX/XX/2015 BUT IT WAS BLENDED LEATHER AND ALSO I WAS BILLED $XXXX FOR PERSONAL PROPERTY INSURANCE IN THE INSTALLMENT CONTRACT. I GAVE TO CONN'S COPIES OF MY HOMEOWNER INSURANCE POLICY DECLARATION PAGE PROVIDING $XXXX PERSONAL PROPERTY COVERAGE. I CONTACTED CONN'S AND INFORMED THEM OF THE DIFFERENCE IN THE FURNITURE QUALITY AND WAS TOLD BY THEM THERE ARE NO RETURNS OR EXCHANGES. THERE ARE NO STATEMENTS IN THEIR CONTRACT, SALES FLYERS, STORE FRONT OR WEB SITE TO THIS EFFECT. THEY ARE USING THE OLD "BAIT AND SWITCH" SCAM TO STEAL $XXXX FOR INFERIOR FURNITURE. THE ITEM HAD A SALES TAG ATTACHED DECLARING GRAIN LEATHER THAT WAS SWITCHED BY CONN'S TO BLENDED LEATHER

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I purchased Action item/timeshare Specialist on XXXX for {$510.00} ( see link ) : XXXXAdd Payment Accepted : *Cashiers Check*Money order *Wire Transfer *Credit Card *XXXXWas unable to purchase directly through XXXX/Timeshare specialist invoiced me directly through XXXX. I paid for item through my XXXX Account ( XXXXXXXXXXXX ). 
My CITI Bank card ( ending XXXX ) tried to charge me a fee for a cash advance ( {$25.00} ). I phoned Citi Bank & was going to cancel me card/pay off the card since this charge was a normal credit card transaction ( not a cash advance ). Citi Bank willingly waived the charge. A month or so goes by & Citi Bank tried to charge {$3.00} interest where as my card is a 0 % APR for 18 months ( ends XXXX 2015 ). Once again, I phone them & they said they will waive the fee only this month ( said, the charge was a cash advance ). I paid off my card in full the next day. Previously, I phoned XXXX & they stated there is nothing on XXXX item number : XXXX which states XXXX/credit card payments must be a cash advance. Citi Bank supervisors just state XXXX requested this to be a cash advance ( they refuse to give it in writing to me ). Contacted XXXX a few times over this & they state seller paid all the credit card fees ( this transaction was not a cash advance ). XXXX fraud dept emailed me this ( note XXXX stated they never process credit card as a cash advance, although only XXXX time the represenative said she saw it only XXXX when account had no $ in it ) : Dear XXXX XXXX, Thank you for contacting XXXX Customer Support today. As requested, here are the details of the transaction, in question : Transaction ID:XXXXMerchant Name : XXXX XXXX, XXXX. 
Date : XX/XX/2015Amount : {$510.00} USDDescription : Credit Card Payment Sent ( Service ) To clarify, this was not a cash advance payment. 
Sincerely, XXXX XXXX XXXX XXXX XXXX. All rights reservedContacted Citi Bank about this fraud & that I was going to report it. The supervisor said go right ahead, it does n't matter if the charge through XXXX states anything about a cash advance, they will process it as a cash advance ( gave examples such as casinos, energy bills ... ) & that if I do the same charge again that it will be charged as a Cash Advance ... 
I paid off my card in full {$1300.00} where as the {$3.00} interest they will waive. I do not plan on using Citi Bank for any of my future banking needs ever. I found this incident should be reported to a government agency for especially the next person due to its nature of a very possibly fraud activity of Citi Bank credit card practices. Any questions or need further information please contact me ; thanks & take care. 
Yours truly, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, NV XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am getting calls from an "unknown" number and when I answer they hang up and call one more time. It's always two calls in about 5 minute intervals.This has been happening for roughly 3 weeks now and recently when I answer the second call they tell me who they are calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
We have been regularly paying off the medical bill to XXXX XXXX OF XXXX with an approximate current value of {$2500.00}. We pay $ XXXX monthly but always when we receive a bill. The original amount was approximately {$7000.00} which we have made a significant dent in since inception. We are now getting a collection bill from CALIFORNIA BUSINESS BUREAU , Inc. without even being forewarned that the outstanding bill would be going to collection. They called me at work and were rude and misrepresentative. We negotiated this arrangement with XXXX XXXX XXXX in XXXX when we XXXX got the bill after our son 's treatment, and they were aware of our circumstances and agreed at that time, last year to honor this arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
On XX/XX/2015, my husband and I received a Notice To Impose Claim in the amount XXXX and took the deposit of XXXX for a final water bill of {$100.00}, carpet replacement XXXX, XXXX trash removal of XXXX couches left outside of apartment, XXXX steam clean title, XXXX Rent credit for a balance due of {$1300.00}. We were told in the notice if objected with the balance to write them in writing within XXXX days. I responded to their charges informing them in writing that we did not agree with certain charges such as the removal of the sofa, steam cleaning the tile and replacing the carpet and to use the surety bond to pay for the water bill which was explained to me as my deposit they can claim against if need be after moving. We never received there response and instead received a letter to pay the amount of XXXX and a separate debt collection of XXXX dollars for the surety bond. I called and spoke to a rude and non sympathetic woman by the name of XXXX XXXX in regards of this matter and explained to her the same information back in XXXX in regards to the amount of XXXX. She refused to hear what the issue was and stated we should have scheduled a walk through upon moving out the apartment. I explained to the woman that per the lease we were entitled to the walk through but was denied a walk through the day my husband came into the office to report someone had placed couches outside our building and did not want to be accused they belonged to us. I called this morning about the debt in the amount of XXXX and the same debt collector in regards to the XXXX because it has been reported to my credit report without any consideration of what I disputed. I do n't believe its fair to make someone pay for something they are not responsible for and without any evidence showing that we were responsible to replace their carpet or pay for removing items that did not belong to us especially without evidence. I lived in that community over 4 years and they have never provided a walk through for any tenant who lives there before moving out. I feel like they have taken advantage of us and now is out to ruin my credit. XXXX XXXX even went as far as saying to me this morning to say if you are not calling NCAC to pay this debt then there is no further discussion, this debt will just remain on your credit report for 7 years. I ffeel like the property management company XXXX XXXX managment did not have adequate information to or legally charge us with a debt without verification and validation as they are suppose to provide. It is unfair and unjust for any company to abuse their power to gain money by reporting debt that has not been legitimately verified. I 'm sure we are not the only ones that have been treated this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NV

Complaint narrative:
There is a number that calls me XXXX - XXXX times a day ( XXXX ) without leaving a voicemail as to what the matter is about. It started on Tues. XXXX XXXX, 2015 and has been non-stop since then. The call will last about half the length of time before my phone goes to voicemail so it 's impossible for me to answer. Then when I call back it is a phony English automated message. I have no idea what debt they are trying to collect. It 's starting to get really frustrating. 

I recently changed my address and received a bill in the mail for no-show from a doctor whom I never seen. I 'm wondering if that is from them?

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