vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018 Citibank made a wire transfer on my behalf to a XXXX XXXX XXXX account which resulted to be fraudulent. The receiving bank ( XXXX XXXX XXXX ) suspected the account to be fraudulent and refused to accept the funds which were returned to Citibank. Citibank did not inform me that the transaction was suspicious for fraud although was alerted by the receiving bank. Citibank not only did not warn me that I was victim of wire fraud but also allowed me to make on XX/XX/2018 a second wire transfer to another account in XXXX XXXX which also resulted to be fraudulent. Citibank failed for the second time to recognize that the wire transaction was fraudulent. The irregularity of the receiving account was immediately recognized by XXXX  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 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
In XXXX I wrote a letter to Phoenix Financial Services, a third party company, asking them to validate the debt in which they were attempting to collect. They sent back a letter with charges in the amount of {$390.00} from XX/XX/2016. They failed to validate or prove how this debt is connected to me. I learned of this when it was reported to the credit bureaus. I received no letters nor phone calls trying to collect prior to this. I do not own this debt and I need them delete this from all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
" MULTIPLE PROBLEMS WITH A CITIBANK , N.A . IN U.S.A. AND IN THE XXXX. ". I HAD BEEN TOURING AS A RETURN RESIDE T IN XXXX WHEN I LOST POSSESSION OF MY CITIBANK BEBIT MASTERCARD IN XX/XX/2018. ON XX/XX/2018 ;. I REPORTED TO THE CITIBANK RESOLUTION FOR ESCALTION TEAM TO TAKE INTO CONSIDERATION, MAILING MY LOST ITEM ( PERSONAL BANKING CARD ) REPLACEMENT FOR MY IMMEDIATE HELP. IT NEVER HAPPENED. MANY PROMISES WERE MADE AS I AWAITED IN ONE HOTEL FOR IT WAS MAILED ACCORDING TO CITIBANKING AGENT ;. THEN IT WAS RETURNED ACCORDING TO ANOTHER AGENTS BECAUSE  OF LACK OF ZIP CODING AND ISSUES FINDING THE HOTEL, 'A PLACE OF BUSINESS IN XXXX TRANSACTING EVEN OVERSEAS WITH XXXX MAIL SERVICES, ETC. ". 
" I KEPT IN CONSTANT CONTACT WITH CITIBANK BECAUSE I HAD THE INTENTION IF RESIDING IN XXXX, XXXX XXXX OF THE XXXX AND WAS UNABLE TO FIND A SUITABLE HOME FOR RENT OR PURCHASE ;. IF CONSIDERED WITHOUT ACCESS TO MY FINANCIAL INSTITUTION AND CITIBANK 'S PERDONAL ACCOUNT FUNDS. '' " I HAD NOT BEEN SUCESSFUL WITH USE OF ONLY A DEBIT CARD FROM ANOTHER DEPOSIT ACCOUNT ''. " ANOTHER OBDTACLE WAS THE FACT THAT I HAD NO ACCESS TO STORE MY " XXXX  '' AT ANY FAMILIES HOME THEY WERE ALWAYS KEPT AT THE XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX. '' " I HAVE NOW RETURNED TO YHE UNITED STATES WITH NEEDS OF ACCESSING MY FUNDS FROM CITIBANK LOCAL FINANCIAL INSTITUTION ''. 
". AT THIS TIME, ALL I HAVE BEEN ADVISED BY AN EXPORT MANAGER IS THAT MY HOUSEHOLD GOODS " HHG '' ARE IN THE U.S.A. IT IS UNDER THE CONTROL OF A BROKER COMPANY, XXXX XXXX XXXX And XXXX XXXXXXXX XXXX XXXXXXXX. ". I AM BEING REQUESTED TO MAKE PAYMENT BY BANK ACCOUNT ONLY BUT HAD NO ACCOUNT TO DRAWN ON. NONETHELESS, I OPENED AN ACCOUNT WITH ANOTHER FINANCIAL INSTITUTION CALLED XXXX XXXX. HOWEVER, THIS ACCOUNT IS NOT EXACTLY ACCESSIBLE TO ME AS MY DEBIT CARD WAS CLOSED. FUTHERMORE, IT IS UNDERGOING REVIEW AS A RESULT OF UNK. REASONS. '' 1 ) " CITIBANK HAS NO FINANCIAL INSTITUTIONS IN THE STATES OF MISSISSIPPI AND TEXAS, currently ONLY ATM outlets ''. 
2 ) " CITIBANK HAS ALSO REFUSED TO ALLOW THE REISSUANCE OF A NEW BANK CARD TO MY CURRENT ADDRESS IN THE U.S.A. '' 3 ). " I WAS TOLD THAT I MUST RETURN TO ANY UNITED STATES OF AMERICA FOR IDENTIFICATION PURPOSES. I ASKED IF ANY OF THE 50 U.S.A. STATES WOULD DO, AND YES I WAS TOLD. '' " THESE ARE THE REASONS THAT I NEED IMMEDIATE ACCESS TO MY PERSONAL CHECKINGS ACCOUNTS WITH CITIBANK TO OBTAIN MY FUNDS.

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 2018-10-15 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:
XXXX XXXX XXXX, account number XXXX, a collector for XXXX XXXX XXXX is trying to collect a debt I do not owe and is wrongfully appearing on my TRANSUNION credit file. 
At the time of service I had XXXX, XXXX XXXX XXXX XXXX, A GOVERNMENT INSURANCE that I have had most of my adult life and that was in full force and effect. 
The treatment was for XXXX XXXX XXXX XXXX that was completely covered by insurance.The insurance person at the hospital came to me after doing the paperwork and said regarding the insurance '' ok, everything is fine. ''

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 2018-10-15 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I obtained a copy of my credit report from all 3 bureaus on XX/XX/2018 and the company XXXX XXXX XXXX XXXX XXXX reported that I owe them {$400.00}. I did not recognize the company XXXX XXXX XXXX and knew I didn't owe them any money, so I sent them a request to validate this debt to me on XX/XX/2018 via USPS certified mail # XXXX XXXX XXXX XXXX XXXX. I requested they send me a signed contract, a description of what the money was for, how did they calculate that amount, and I also asked them to show me that they were licensed to collect in my state. They responded on XX/XX/2018, asking me to supply the name of my attorney who may act on my behalf. They followed up a day or two later with a letter making me aware of their credit reporting policy. This letter was undated. On XX/XX/2018, they sent me a letter telling me that they reviewed the information provided by the previous creditor and found that the information was accurate. They did not send me any proof of the information they reviewed by the previous creditor, only that it was correct. They attached a letter sent to me by XXXX XXXX XXXX XXXX XXXX telling me that my account was sold to them, but still no proof of the debt. On XX/XX/2018, I sent another letter to them letting them know that they did not supply the necessary information to validate my debt. I gave them 15 days to respond, they waited until XX/XX/2018, they sent me a duplicate of their original letter in response. They are currently still reporting to all 3 credit bureaus. I have contacted all 3 bureaus letting them know they are reporting unvalidated incorrect information and they refuse to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently used a Capital one Credit card to rent a car. Because I understood that money had to be in the account before a car could be rented ; I religiously added the appropriate funds and monitored my account. When the relationship was over, the charges were more than I had deposited ; although, Capital One posted and has continuously pursued me to pay an amount that does not include deductions of the deposits I made. Therefore ; I have no idea where $ XXXX-XXXX of monies I deposited to secure my interaction was distributed. And my credit is affected. Discussions with the Company produced no clear understanding and the amount of money displayed as owed " Only the Auto payments '' are shown as if this is the reason for my increased debt. My Limit is {$500.00} and I do not believe Capital One paid this ( {$910.00} ) without my deposits. Thus, I have concerns that the neglect will cost me more than what my limit is base on their actions and their huge request for payment. If so, I do not believe this is illegal, an unjust effort to secure money not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC.
State: MO

Complaint narrative:
There is a clause in the loan agreement which I feel strongly should be void ab initio and void as against public policy on the grounds that it seeks to limit federal statutory rights. The portion of the contract states, " You further warrant that [ ... you ] have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code. '' Bankruptcy is, to the best of my knowledge, a right guaranteed by statute, and can not be limited by contract or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: IL

Complaint narrative:
Dear CFPB, Last year I received a bill from XXXX. However, I never signed a contract with them. A while after I checked my credit report and an address was found. This was an address I was never familiar with. I reported this dispute last to Experian, not much was done. Please respond to the earliest convenience. I can be reached in the early evening XXXX. 
Thank you again.

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 2018-10-15 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: Ray Klein, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, account number XXXX, a collector for XXXX XXXX XXXX is trying to collect a debt I do not owe and is wrongfully appearing on my XXXX  credit file. 
At the time of service I had XXXX, XXXX XXXX XXXX XXXX, A GOVERNMENT INSURANCE that I have had most of my adult life and that was in full force and effect. 
The treatment was for XXXX XXXX XXXX XXXX that was completely covered by insurance.The insurance person at the hospital came to me after doing the paperwork and said regarding the insurance '' ok, everything is fine. ''

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 2018-10-15 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:
XXXX XXXX XXXX ACCOUNT NO. XXXX IN CARE OF XXXX XXXX XXXX IS ATTEMPTING TO COLLECT FOR XXXX XXXX XXXX FRAUDULENT DEBT. 
They have placed this debt wrongfully on my TRANSUNION CREDIT REPORT. 
I NEVER ORDERED XXXX ANYTHING, NEVER HAD A CARD. 
I believe it is possible ID THEFT as I have had a problem with other accounts opened completely unknown to me.I had my car window smashed in about XX/XX/2015 and my purse with ID and credit cards were stolen.The XXXX XXXX police showed up and filed a 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 2018-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: LA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/XXXX / XXXX, XXXX, XXXX - XX/XX/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 2018-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To '' ATTENTION CHASE CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XX/XX/XXXXat a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " SLATE '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XX/XX/XXXX/XX/XX/XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A FREEDOM CHASE CC BECAUSE CHASE IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY CHASE BANK, J.P. MORGAN ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, CHASE BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " CHASE FREEDOM '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NO. XXXX IN CARE OF RESURGENT CAPITAL SERVICES IS ATTEMPTING TO COLLECT FOR XXXX /XXXX A FRAUDULENT DEBT. 
They have placed this debt wrongfully on my XXXX  CREDIT REPORT. 
I NEVER ORDERED XXXX ANYTHING, NEVER HAD A CARD. 
I believe it is possible ID THEFT as I have had a problem with other accounts opened completely unknown to me.I had my car window smashed in about XX/XX/2015 and my purse with ID and credit cards were stolen.The XXXX XXXX police showed up and filed a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a XXXX 's store card and had it enrolled in Automatic payments. I changed accounts and for several months I have been unable to update the account number for the automatic payment through the online website. Because of this I fell late on one payment during the month of XX/XX/2018 and contacting them is always a hassle. I don't think it's fair for their technical problems to cause a derogatory mark in my credit score. I paid off the account and will close it but I need to try and have this late payment wiped off as it was not my fault that the automatic payment could not be updated over the phone 's VRU. I can't even look at my statements online because I get the same error message. This has been going on for MONTHS.

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 2018-10-15 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: ERC
State: MO

Complaint narrative:
I recently requested a copy of my credit report and noticed that XXXX XXXX XXXX ( ERC ) is reporting a alleged closed account ( closed by them ) on my credit reports. The alleged account in question is a XXXX Account from 2015 which is past the Statue of Limitations ( SOL ) in the state of Missouri. XXXX XXXX XXXX ( ERC ) continues to harass me regarding this alleged account that again is pass the ( SOL ). This alone has put them in direct violation of the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
The debt collector did not send me a debt validation letter- to include the amount of debt, name of original creditor, and statement regarding the right to dispute the debt, and to obtain the validation of debt. 

The debt collector calls from a number that comes up " Private Number, '' " Unknown, '' " Out of Area, '' or " Restricted, '' on my caller ID. 

The debt collector calls and does not leave messages Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX  Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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:
XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON MY TRANSUNION CREDIT REPORT. 
They are collectors for XXXX XXXX  XXXX.At the only visit I have ever had I needed to have a tooth pulled.I paid {$200.00} cash at the time of service.In addition I had a deep cleaning which was covered by my XXXX XXXX XXXX   PLAN that I was told was covered.I was given a prescription for XXXX that was paid for by my insurance.This debt is fraudulent.

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 2018-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I was in XXXX on XX/XX/2017 and had dinner. Later on I noticed that my credit card had been charged twice for two separate transactions at a restaurant I had dined at. One for {$59.00} ( XXXX  euros ) and another for {$590.00} ( XXXX  euros ). I assumed it was an accidental charge and I called my credit card company - bank of america on XX/XX/2017 to dispute the charge. They agreed with me saying it looked like a mistake and provisionally credited me back the {$590.00}. They told me the restaurant would have 60 days to dispute my claim. I thought that was the end of it but come XXXX I received a letter from the bank that said the restaurant had provided them a copy of a signed receipt for {$590.00} so they sided with the restaurant and charged me {$590.00}. I called and tried to dispute that again since I did not see that receipt or sign it. The only receipt I had signed the for was {$59.00} and I asked them to compare the signatures but they told me that they do not/ can not do that. I even mentioned that this same thing happened to another person at that restaurant, which i learned about after I decided to post my review. I was told that they could not use that as proof to show that is what had happened to me. Essentially since I was there and I gave them my card it could not be counted as fraud, even though I told them I never ordered 20 fixed price meals ( I was with only with one other person ) or signed a receipt for that. After a few more calls I stopped trying because they told me that they could not do anything to help me. I have a copy of the receipts which the bank sent to me as proof and the signatures are clearly different. I'm reporting this a year later because someone just contacted me on XXXX saying the same thing has happened to them at that restaurant.

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