vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for XXXX XXXX Midland Credit Management is employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX  v. CXXXX XXXX XXXX XXXX v. XXXX, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). I have contacted XXXX requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX  vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent away for my free credit reports from all credit reporting agencies at the same time. I received XXXX XXXX and XXXX  sometime in early XX/XX/XXXX. Equifax sent a letter demanding further information that included social security # current address. The letter stated they could not locate a credit file in their database. I have requested my free credit report every year since about XXXX. Further more I have a credit freeze with all the bureaus. Another point was my information was accessed when Equifax was hacked in XXXX. I filed a claim and have my claim #. 

I have always had problems with this Bureau. In a previous request they refused to send the report but I was able to resolve the issue without submitting any further information. Their lack of information should have impacted my request in prior years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for Citibank XXXX XXXX XXXX XXXX XXXX employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ). I have contacted XXXX requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806. FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. 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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have written letters to reporting the unauthorized review of my credit report, and made phone calls talking to multiple representatives and they reporting that that although I didn't give authorization for the review of my report that they have to report the review, and that they don't have remove the inquiries from my report although it lowers my score.

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 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/2021 I applied for and was approved for a balance transfer offer through Citicards. I requested to transfer the entire amount of my current XXXX XXXX card balance in the amount of {$1200.00}. I received the card in the mail and set up my online account, and saw the correct balance reflected on my card on XX/XX/2021. 

However, I also checked my XXXX XXXX card and noticed that the balance was not paid off. I spoke with XXXX XXXX and was told that they had not yet received the payment from Citi. According to them, the account number that was provided for the XXXX XXXX account was not mine. I do not know how this could be, as I only hold 1 XXXX XXXX credit card. 

I spoke with customer service representatives from Citi multiple times over the last month, and this issue has still not been resolved. The first person that I spoke with told me that an investigation would take 14 days. When I spoke with Citi on Monday, the representative told me that it could take a maximum of 90 days. In the meantime, I am currently expected to pay both XXXX XXXX and my current Citi card ( including the balance transfer fee ) which both hold the same funds from my transfer. 

I would like this issue escalated so that there can be a resolution.

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 2021-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied that my disputes that have been sent via mail and fax are not being processed. I have called Equifax several times and get the same response that they have not received my disputes. Even after suggesting that I fax the disputes, after doing so Equifax still claims to not have received disputes. As a consumer this is unacceptable. I have enclosed all my previous disputes that were sent and claimed to have not been received in this letter which has been sent via certified mail. Each dispute sent previously has been in accordance with the rules Equifax has set out on their website. Identity verification documents should be on file for three months so the constant sending of an ID card and proof of residency would not be necessary. Even if sent in error, this mistake should be communicated with the consumer and their dispute should not just be thrown away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit-card with Bank of America and have NEVER provided them with my direct mobile number on my phone. I always use another number to ensure that my private mobile number is not reported to credit agencies or other data sharing or selling companies. When I called in for help with an issue, Bank of America said they needed me to validate my identity by them sending a code to my phone. I agreed, but then was shocked to find they sent a message to my private number I had NOT SHARED with them. When I asked them how they got the number, I was informed that their mobile app must have got the number of my phone and provided it to them. The application never gave any notice that it would share my phone number with the bank. Trying to work with the bank to have them remove the number has been unsuccessful because they claim that they do not see the number of my profile/account. However, it still shows up as the number to confirm my identity in their systems.

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 2021-06-18 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: NJ

Complaint narrative:
1. XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Thank you for your time and help in this matter.

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 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
so this is second time the bank has frozen my account. I went to a near by branch to help me unblock my account so I can be able to use my card, so I can put gas in my car. Mind you, I was already on my way to my job training at work, when I my gas light came on. Me already knowing that my account was blocked and I was not able to use my debit. I had to wait for a branch to open which it was a Saturday XX/XX/2021. I walked into the branch and explained to the banker my situation. So unblock my accounts, a banker had to call the fraud dept, so the banker can let the rep of the fraud dept know, and verified my identity. In which the banker was on the phone for over 2hrs. And I had already let my trainer know, that I was going to be late. Since the banker took over 2hrs, I could not make it to my day of training and was told that a HR rep would call 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 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: ID

Complaint narrative:
I XXXX XXXX XXXX a federally protected consumer was sent a collection notice from GC SERVICES LIMITED PARTNERSHIP on XX/XX/XXXX XXXX. GC SERVICES LIMITED PARTNERSHIP has violated federal law when they a debt collector sent a bill to my home saying that I owed them {$11000.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ) 2 TIMES, 15 USC 1692B ( 2 ) and 15 USC 1692c ( by sending the letter to my home ). There was no proof in the letter that said alleged debt was owed, no contract with my signature on it, just some nonsense about XXXX, XXXX was the original creditor but according to congress I am the original creditor so how can XXXX, XXXX claim this? What is happening here is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had filled out an application online. While reading the terms and conditions and paging down to see them all, the application submitted without me touching any buttons. 

I called Wellsfargo and after being on hold and passed around to 5 different people. 

The first number I called was XXXX and spoke to XXXX who transferred me to XXXX at XXXX and spoke to XXXX who transferred me to XXXX at XXXX. 

Then I received an email saying to call XXXX if I did not submit the application. I spoke to XXXX who said she needed to transfer me to another department. Instead she transferred me to the main menu of the phone number I had called. 

I had to wait another 10 minutes then spoke to XXXX who claimed she had to escalate the issue. Then she gave me two more phone numbers, XXXX for the application status department and XXXX for the escalation case management. 

Instead of this being handled as the email said I could do if I did not submit the application I have been transferred over and over and only given phone numbers and a reference number, then told they would contact me within 2 business days. 

The reference number I was given is XXXX. 

I have been on the phone with all of this for over an hour and a half due to this application being fraudulently submitted, with no results. 

I was wary of doing anything with Wells fargo with the lawsuits they have had. This is why I was reading the terms and conditions. They have their website set up for it to submit the application if you have filled out the information even though you have not touched any submit button. 

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 non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On the XX/XX/XXXX I happen to check my account to find out it was over drafted. No notice was mailed to me. emailed to me or even a phone call. I have there mobile app seen no notice of it. So I spoke with someone at Citizen online banking and they credited XXXX and XXXX and told me I had to pay other overdraft of XXXX . I had my girlfriend who is also a citizen bank account holder to transfer me XXXX $ to correct the XXXX $ charge and pay the XXXX $ fee remaining for overdraft. We used XXXX which I called and was told my account and my girlfriends accounts are both verified and transaction should have occurred in minutes. Citizen bank made it take a day. Boom another XXXX $ charge. I went to my local branch the lady at counter was nice I explained my situation this was about XXXX on XX/XX/XXXX she credited my account XXXX $ to fix it yet again. I checked my account at about XXXX said XXXX and I was happy finally. figured it was good I was good. Wrong. Check my account now XXXX XX/XX/XXXX - {$36.00} they hit me with another overdraft fee for no reason nothing is posted to my account other then what is listed below. 3 days of dealing with this bank and we are going no where with a resolution now id like to close my bank account out after this is over to protect my self from a predatory monetary system. Gon na attempt to resolve this tomorrow again but if they try to hard hand me again I'm getting a lawyer and contacting my state senator. Was told the FDIC was a trusted organization I hope so. 

XX/XX/21 Fee Rebate Dda Credit {$30.00} {$0.00} XX/XX/21 Debit Memo Sustained Od Fee - {$30.00} - {$29.00} XX/XX/21 Direct Deposit Citizens Bank N {$70.00} {$0.00} XX/XX/21 Preauthorized Debit XXXX Inst Xfer - {$32.00} - {$69.00} XX/XX/21 Fee Rebate Fee Rebate {$30.00} - {$37.00} XX/XX/21 Fee Rebate Fee Rebate {$37.00} - {$67.00} XX/XX/21 Service Charge Sustained Overdraft Fee - {$30.00} - {$100.00} XX/XX/21 Service Charge Sustained Overdraft Fee - {$30.00} - {$74.00} XX/XX/21 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} - {$44.00} XX/XX/21 Preauthorized Debit < -- - When overdraft happened. 
XXXX Inst Xfer - {$10.00} - {$7.00} XX/XX/21 DBT Purchase XXXX XXXX XXXX Co XXXX - {$10.00} {$3.00} XX/XX/21 POS Debit XXXX XXXX XXXX Dc XXXX - {$69.00} {$13.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC
State: CA

Complaint narrative:
Bay Area Credit Service claims I owe them a debt from XXXX XXXX XXXX. After contacting the debt agency, they refused to transfer me to a supervisor. I informed them this debt was not valid. They did not believe me. I contacted my insurance company who contacted XXXX XXXX XXXX who informed me they never sent the amount due to any credit agency, nor do they have a date of service ( XXXX ) that the credit agency claims is valid, and have stated to my insurance company that my account has been paid completely. After speaking with insurance, I called XXXX and made sure that the date of service was invalid and that the amount ( s ) I owed them had been paid which is what they confirmed to me. After this, I called back the credit agency and asked to speak to a supervisor again. XXXX XXXX refused to send me to a supervisor more than a dozen times, even when I had my spouse get involved to try to solve the invalid debt. XXXX then hung up on us both after 22 minutes and when we called back they did not answer even though it was business hours. I would like to have this organization investigated. How did they even get my medical information!? How did they get an invalid debt with an invalid date of service? They refused to let me speak to a supervisor and claimed it was a valid date even though both my insurance company and XXXX have told me that everything is good on my end and this debt is NOT valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I own the Citi XXXX XXXX which showed XXXX as of XX/XX/2021 from an email. 

However, on XX/XX/XXXX the same account showed XXXX. I never used any points during this time period. 

I called Citi on XX/XX/XXXX and spoke to XXXX ( Citi thank you rep ) who informed me he was able to reinstate the XXXX points. 

However, after a few weeks passed I went into my account and saw none of the points were reinstated. 

I called Citi on XX/XX/XXXX and spoke to several reps who told me there was nothing they could do because the points were from a checking account that was closed. I told them the points were combined with the credit card account and nobody told me they would expire in 60 days. 

I asked if there were notes in my account from XXXX who told me the points would be reinstated and was told yes. 

I have been patient with Citi and find their actions to be fraudulent as I was promised the points would be reinstated. 

I am only asking for what was told to me by a recorded conversation which Citi can look up.

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 2021-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I recently returned my XXXX XXXX leased truck and leased a XXXX XXXX leased truck. I did not receive my first bill so I called them XX/XX/XXXX and was told they won't take the payment on the phone but will send me another bill. On XX/XX/XXXX I received the bill and immediately paid it via my bill pay on my checking account for {$710.00}. This covered XXXX and XX/XX/XXXX. On XX/XX/XXXX, Nissan repossessed the truck stating they did not get the payment. I learned today it was applied incorrectly to my closed XXXX XXXX account and their system was not able to transfer the monies to the XXXX XXXX account. I now have no vehicle and they want {$1600.00} before releasing it from the towing company. This was a clerical error and I have been a loyal customer for over 10 years. 
My account number is XXXX. I can be reached at XXXX. Any guidance or direction you can provide would be greatly appreciated. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation