vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a Citibank credit card. It stopped working without any warning on XX/XX/2020, which caused my wife and I social embarrassment when the card would not process at multiple merchants. 

I called Citibank to find out the problem and they refused to tell me what specific transaction is causing the potential fraud problem or why the bank stopped all access to my card. Instead, the representative stated that they can not speak to me about the issue without verifying who I am. Then, they asked for " verification purposes '' to speak with my employer. 

I do not understand what speaking with my employer has to do with authenticating the person who is calling. This appears to be an attempt by Citibank to stop lending to people until they can reconfirm employment, because they are afraid of loan losses during the Coronavirus pandemic. I don't know if that's even legal for the bank to do to an existing long-term customer who always pays their bills on time. This appears very shady.

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 2020-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
On XX/XX/2020 at XXXX XXXX, I was sent an email by opp loans that said my loan was late. I promptly called them and told them that I have either paid early or let the system take the payment on time. I have always called prior to making an early payment without a problem. I talked to XXXX the supervisor as she was working from home and she said the system didn't record my payment and some employees recorded an arrangement for late payment on my account without my permission which is false and I want this investigated promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. BANCORP
State: TX

Complaint narrative:
Well I just find out looking at the vehicle I have is that the dealership I got it from never did a mandatory state inspection nor a emission test according to texas law before you sell a vehicle to a consumer otherwise if not that's unfair and deceptive practices and u.s. bank was aware of this issue and didnt get all required documents from XXXX XXXX XXXX where I got my vehicle from ... us bank Been deceiving me this whole time and dont have complete records

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 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NC

Complaint narrative:
Enhanced Recovery Company added a debt to my credit report on XXXX XX/XX/2020 after it bought the debt from another company. The debt was previously removed from my credit report because the account could not be verified by the previous collection agency. Not only was it added back to my report without me being notified by the bureaus or this new collector as required under the FCRA but the collection agency has re-aged the account in order to make the account appear that it became delinquent as of XXXX XX/XX/2020. This is an illegal practice which carries a fine. It caused my score to drop. I'm still not understanding how the collections opened date is after the date that it was updated but the dates are completely off by years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Dear Sir or Madam, My complaint is about XXXX creditor collection practices. On XX/XX/XXXX XXXX XXXX XXXX [ Reference # XXXX ] was notified via. USPS postal service of BARRED/INVALID DEBT, the debt was then transferred to XXXX after DENIAL letter I wrote to XXXX XXXX XXXX. On XX/XX/XXXX XXXX [ Reference # XXXX ] was notified of the BARRED/INVALID DEBT via. USPS Certified Mail with Signature and they were also notified that CFPB would be contacted if they continued to contact me about a debt that was denied. On XX/XX/XXXX I received a second letter from XXXX ( XXXX dated the letter XX/XX/XXXX ) harassing me about the same debt. If XXXX believes they want to take legal action against the XXXX of XXXX XXXX XXXX aka. XXXX XXXX I have provided the Probate Case # XXXX to them. I do not want to be harassed regarding a BARRED/INVALID debt again. I will be providing all supporting documents in this matter to CFPB for the correspondence between myself, XXXX XXXX XXXX and XXXX collection agencies. Thank you, Sincerely, XXXX XXXX XXXX ( Personal Representative )

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 2020-05-07 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: CA

Complaint narrative:
THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO THE BUREAUS AND TO THE ACTUAL CREDITORS, I HAVE SENT THEM ALL THE REQUIRED PAPERWORK, I AM NOT SURE WHAT ADDITIONAL ITEMS THEY NEED FROM ME, I HAVE NO IDEA WHO THE THIEFE IS AND HAVE SNET THEM POLICE REPORT IDENTITY THEFT REPORT AND AN STATEMENT CONFORMING MY PERSONAL INFORMATION. AS A CONSUMER I NEED SOMEONE TO UNDERSTAND ME AND UNDERSTAND THAT I AM VICTIM OF AN IDENTITY THEFT.

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 2020-05-07 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: OH

Complaint narrative:
Dear Sir/Ma'am, My friend used my social and personal information to apply for a credit card using the promotional letters which banks often send out as advertisements. My social was used without my consent. I didn't authorize to file a credit card application. 
I explained this situation to Experian credit reporting agency. They didn't help me. I humbly request for your help. I have worked hard in improving my score each day by paying my debts in full. A unauthorized hit to my credit score sadly is painful to me Thank you, 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 explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Cancelled my card in XX/XX/XXXX and still sending bill. Please see the message Your Cancel Card Request Blue Background Member Since XXXX Your Account Number Ending : - XXXX Online Access : LogIn Button Dear XXXX XXXX, This message is to confirm that American Express has processed your recent request to cancel the following Card account ( s ). 

American Express Gold Card ending in XXXX American Express Gold Card ending in XXXX If you have other Card accounts registered for Manage Your Card Account online they will still be available online at americanexpress.com. 

Sincerely, American Express Customer Service

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Since XX/XX/2019 Bbva Usa has been reporting that I was 30 days late with my payment which is inaccurater and untrue. Although I have contacted BBva Usa about the issue and was reassured by the branch manager here in the local branch in XXXX XXXX that the issue would be resolved it never was. 
Each time I was referred to someone who claimed that they would resolve the issue but this issue was never resolved. I recently received correspondence by Bbva Usa that my credit card was being canceled due to my low credit scores. I find this strange due to the fact that my credit scores are higher now then they were when Bbva Usa issued the credit card to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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: NY

Complaint narrative:
I AM VICTIM, THE CREDIT CARD OPENED UNDER MY NAME AT XXXX XXXX XXXX IS NOT MINE. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED. THIS ACCOUNT AND THE CHARGES ARE FRAUDULENT. I AM A CONSUMER AND I AM VICTIM, I AM SURE THERE IS SOME LAW THAT PROTECTS CONSUMERS LIKE ME WHO ARE VICTIMS, I HAVE SENT TO THE BUREAU AND TO THE CREDITOR ALL THE INFORMATION THAT THEY HAVE REQUESTED FROM ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
This debt popped up on my credit file today. Ive recently paid off all of my outs and debts. Ive never seen this debt before. I called the collection agencys phone number listed on XXXX a few times and I kept getting a personal voice. I believe this claim to fraudulent as letter or anything of this unknown debt has been sent I also looked up the company and they are known for buying very old debts and trying to collect. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The company has failed to delete the negative account from my credit reports. 

They have sent a letter stating that they would proceed to delete but it has been more than 30 days. 

Please see letter 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 explanation
Consumer complaint received 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO THE BUREAUS AND TO THE ACTUAL CREDITORS, I HAVE SENT THEM ALL THE REQUIRED PAPERWORK, I AM NOT SURE WHAT ADDITIONAL ITEMS THEY NEED FROM ME, I HAVE NO IDEA WHO THE THIEFE IS AND HAVE SNET THEM POLICE REPORT IDENTITY THEFT REPORT AND AN STATEMENT CONFORMING MY PERSONAL INFORMATION. AS A CONSUMER I NEED SOMEONE TO UNDERSTAND ME AND UNDERSTAND THAT I AM VICTIM OF AN IDENTITY THEFT.

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 2020-05-07 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: CA

Complaint narrative:
THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO THE BUREAUS AND TO THE ACTUAL CREDITORS, I HAVE SENT THEM ALL THE REQUIRED PAPERWORK, I AM NOT SURE WHAT ADDITIONAL ITEMS THEY NEED FROM ME, I HAVE NO IDEA WHO THE THIEFE IS AND HAVE SNET THEM POLICE REPORT IDENTITY THEFT REPORT AND AN STATEMENT CONFORMING MY PERSONAL INFORMATION. AS A CONSUMER I NEED SOMEONE TO UNDERSTAND ME AND UNDERSTAND THAT I AM VICTIM OF AN IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
debit has been paid by insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have NO contract with this debt collection service the original debt was discharged and balance was paid by XXXX which I have had for 20 years. I am a XXXX XXXX XXXX  and I have tried contacting the company and it's CEO XXXX XXXX via email and mail requesting the following : " I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti- Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date of this notice, to validate the alleged debt, will constitute your agreement to the following terms : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organisation permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under XXXX XXXX XXXX XXXX XXXX XXXX. '' They have yet to respond or remove negative remarks from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: CT

Complaint narrative:
I decided to refinance with a different bank but Key bank is not responding once they knew about it. I requested KeyBank for their permission to use the appraisal done ( paid by me at {$500.00} ) but I am not getting any responses back. I reached out to them on XXXX Its very unprofessional for them to treat customer this way once they knew they are not getting the business for the mortgage refinance. I was professional enough to let them know the change in direction as the rate was higher compared to the other bank I decide to go with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: MA

Complaint narrative:
I am writing this complaint from a sense of utter frustration and disappointment at the way this transaction was handled by XOOM/XXXX   and how their Customer service department has been communicating the status. An amount of {$530.00} was supposed to have been deposited to a bank account in XXXX using the XOOM money transmission service and now after 10 days the recipient and the bank in XXXX - XXXX XXXX XXXX  has not received the funds. I have been in constant touch with their Customer service and they have been a complete waste of my time and this is why I feel very strongly that there is something very fraudulent about this transaction. I need to know exactly to which bank account number this transaction deposited the monies to. The history of this transaction on the XOOM website does not spell out the complete account number. If the monies went to the correct account, where did the hand off fail? The XXXX XXXX XXXX  authorities are saying the monies haven't hit their bank. I would really appreciate your intervention for a fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted XXXX in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted XXXX in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: OR

Complaint narrative:
On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted XXXX in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: FL

Complaint narrative:
REMOVE FRAUD ALERT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This is not my debt, I don't have an account with this company, i don't have a contract with this company, I never signed any agreement or any contract with this company.

Company response to consumer: Closed with explanation