vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my credit card of 5 years without any warning or reason. I have never had a late payment on the card and ensured it was properly managed. This adversely affected my credit score since it was the only credit card I had and wiped out my entire credit history. I am trying to recover on the shock on my credit score. 
On a separate note, I got a mail that they'll be closing my checking and savings accounts but nothing on my credit card, for no reason! However, while inquiring from one of the branches, I was told it could be because I have family in XXXX which is a high-risk country. I was also told my bank contract has a clause that the company can close my accounts without any credible reason. However, discrimination should not be allowed on any level. This is a big discrimination, as I have this account since my student days and when I got a full time job. On no occasion, did they give me a credible reason why they would closed my checking/savings accounts and did not have the courtesy to warn me before closing my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP
State: LA

Complaint narrative:
On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX to ask for the deficiency letter of the sold vehicle. The manager told me they no longer are handling my debt and it has been turned over to Aldridge Pite Haan, and they will have that information. I immediately called Aldridge Pite Haan and spoke with XXXX XXXX who told me they don't have a copy of the deficiency letter. They only had the amount owed which is {$6200.00}. I asked Ms. XXXX if her company were license to collect debt in the state of Louisiana. She said she wasn't sure. I told her I needed the deficiency letter so I can see how much the vehicle sold for. She told me she doesn't have that information. I then ask for validation of debt. 
On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX again to ask for a deficiency letter, Mr. XXXX said he would have to ask his manager if he could send me a copy, and his manager agreed. I received a deficiency letter, with payment listing from XXXX XXXX XXXX XXXX, and a letter from Aldridge Pite Haan with a copy of the sale contract. After reviewing all documents there are different amounts claiming I owe. 
On XX/XX/2018 I contacted the Secretary of State for Louisiana to find out if Aldridge Pite Haan are licensed to collect debt in Louisiana. As of XX/XX/2018 there are no license on file for them. XXXX XXXX XXXX XXXX had given my information to a debt collection company that is not license in Louisiana. I am in process of rebuilding my credit and this is affected my credit the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
Back in XXXX, I have sent Enhanced Recovery Co a letter of validation for 2 accounts that were placed with them, XXXX XXXX XXXX XXXX and XXXX. I have received no communication regarding this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/18 Bank of America charged my checking account ( # XXXX ) for two wire transfers of {$4600.00} when I only authorized only one. They admitted that it was their mistake but they said they will not be able to put the money back in my account until XX/XX/18. This is completely wrong and the funds should be put back into my account immediately. Meanwhile my account is overdrawn, I can not pay my bills or get any cash. I will be switching banks tomorrow but this type of banking activity should be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Past Complaint # : XXXX XXXX, ONLINE PAYDAY ADVANCE Am being billed, {$250.00} for a Payday Advance Loan from XXXX Online, that was never deposited into my checking account. 


I am a 'victim of crime ', Marsy 's Law, with the District Attorney 's office in XXXX XXXXo , as of XX/XX/XXXX. 

Victim of Crime XXXX District Attorney XXXX XXXX County of XXXX XXXX District Attorney 's Office. 

Victim of Identity Theft Marsy 's Law. 
XXXX XXXX Date occurred : XX/XX/XXXX IDENTITY THEFT has been reported to my XXXX CREDIT REPORT. 
XXXX XXXX CREDIT REPORT, INFO : XX/XX/XXXX A fraud alert has appeared on your credit report. 

( Please note : the presence of a fraud alert may be repeatedly reported while it is still on your file. ) Processed Date : ( XX/XX/XXXX ) Alert Id : XXXX Alert Type : Fraud Alert Date Reported : ( XX/XX/XXXX ) Comments : Statement added because consumer was a victim of True-Name Fraud. 
ALERT # : XXXX # IFCRA I would like my past due : {$310.00}, removed from my XXXX XXXX XXXX   account. 

Thank you, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
Hello, Huntington National Bank is currently offering a promotion where, if you make {$15000.00} in deposits, they will credit you {$500.00}. Having the money to spare, I opened an account in attempt to satisfy these requirements. 

On XX/XX/2018 I sent the first {$7500.00} and on XX/XX/XXXX I sent {$7500.00}, both times from my personal XXXX checking account. 

On both occasions, after the funds had posted to the Huntington account, I withdrew the money to send back to myself. In hindsight, I realize this was probably not the best choice of action and was likely to raise a red flag, but because the promotional offer involved moving large sums of money I did not think twice. 

Huntington will not let me access my account after flagging it as possible identity theft. They want me to come into branch with ID which is no problem except I live in CA and their branches are in the XXXX, over a thousand miles away. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XXXX 's closed the account in XXXX, without notifying me. I had requested a new card, but they never sent it and subsequently closed the account for inactivity. I called for over an hour trying to get them to fix the issue, but the adamantly refused to reopen the account, insisting that I would have to reapply. This gives me a credit ding for the closing, and one more for reapplying. Plus, I lose 7 years of credit history. This is a despicable business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: CONTRACT CALLERS INC
State: TN

Complaint narrative:
I paid a debt with Contract Callers in XX/XX/XXXX of {$350.00}, receiving their cheerful verbal commitment to remove the aged debt from my report, as we were approaching the seven year mark, and I paid in full without requesting settlement. 
Contract Callers did not remove the item, and continues to incorrectly report the opening date on the file. I filed a dispute with all three credit bureaus in XX/XX/XXXX In their response to the dispute, they confirmed that the opening date was XX/XX/XXXX. 
I called XXXX on XX/XX/XXXX and the representative confirmed the final bill date from the original creditor was XX/XX/XXXX. She escalated concern to their compliance office and committed to have this removed by XX/XX/XXXX. 
I called the original creditor and received documentation confirming the date of the original debt as XX/XX/XXXX. 
Contract Callers is not following through on verbal commitments, and is not researching disputes closely enough to verify the origin date. ( They acquired the collection account in 2017 and were not through enough to verify the credit dispute correctly. ) This entry on my credit report is causing me financial harm, and preventing me from getting loans or credit at rates appropriate to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I summited a complaint, against all 3 credit Equifax XXXX XXXX with CFPB CLOSED THE DISPUTES AND STATED I NEEDED TO SEND A COPY OF ALL INQUIRIES THAT I BELIEVE THAT ARE NOT MINE AND I NEVER GAVE PERMISSION TO RUN MY CREDIT, I HAVE ONLY 8 POSITIVE LINES OF CREDIT ALL OTHER INQUIRIES I NEVER GAVE PERMISSION TO ANYONE OR COMPANY TO TRY TO ACHIEVE CREDIT ON MY BEHALF I DEMAND FOR ALL FRAUDULENT INQUIRIES TO BE REMOVED BY EQUIFAX XXXX XXXX I AM UPLOADING ALL INQUIRIES THAT I DO NOT HAVE A IDEA I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been trying to work with J. P. Morgan Chase to turn my house back over to them. But I feel that the company would rather force me into a foreclosure. I have cooperated with the bank as much as possible and submitted all the necessary paperwork that they requested, even more times than I feel was necessary. But then I get a letter back from them stating that I'm not eligible for the deed in lieu of foreclosure or any other options that may involve turning the house over to them because the property is vacant. I had informed Chase bank several times that the property is vacant and they led me on through this process rather than just telling me that I was ineligible because the property is vacant. This is why I feel they're trying to force me into a foreclosure which would do more damage to my credit. Also, I feel that there are other options for us to resolve this issue without more harm to my credit that they may not be disclosing. Enclosed is the letter of denial from Chase and a letter from their attorney regarding foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: IL

Complaint narrative:
I called XXXX to find that I owe them money for services I never had, they refused to investigate and put the negative item on credit, which is causing me to be XXXX XXXX. Im not responsible for that bill and never had XXXX in my life. They also refused to send me any proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have received telephone calls from an " unknown number '' to my cell phone every day for the past two weeks, at varying times of the day. When I answer the phone and ask who is calling, I am told that it is XXXX from Ally bank, looking for [ my sister 's name ]. The individual states that my sister and her boyfriend are clients and they are not answering their phones ; the bank is trying to reach them. They stated that they found my cell phone number via a " public database ''. I have asked for my telephone number to be removed from their list, and stated that this number is not associated with my sister, yet they continue to call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I XXXX XXXX took out the loan I am not disputing the loan I had a downfall in life and defaulted. I have received emails daily on call XXXX at XXXX for a customized settlement and I did not call until XX/XX/2018 when I received a " Notice of Intent to Assign Wages '' I spoke to XXXX who refused to assist her only option was for me to pay {$560.00} now and make the original monthly payments. I stated to her I do not have that money I really do not I need help she refused to offer me any solution. I currently have {$100.00} in my checking account. I asked to speak to a supervisor and she refused to allow me to speak to a supervisor. 
with the notice of intent to assign wages the letter sates to send to XXXX XXXX XXXX XXXX XXXX but XXXX told me to send to XXXX XXXX XXXX XXXX XXXX so even their correspondence is inaccurate. I think this company has no intentions to help anyone who is struggling.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion File # XXXX Date XX/XX/2018 Transunion has not updated my payment for XXXX XXXX has not been updated as paid/current since XXXX of 2018 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 2018-09-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, XXXX, and Transunion ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I had an auto loan with XXXX XXXX , XXXX account # XXXX and the Loan was paid in XXXX of 2018 the account is still showing open on my credit report. I called Westlake Portfolio Management on several occasions regarding this incorrect information and I was told the Westlake took over the account in XX/XX/2018, my question to Westlake is why is the account still showing open on my credit report when it was closed in XXXX of 2018, and I was informed by the supervisor XXXX XXXX XX/XX/18 that if I want this corrected I will have to file disputes with the credit bureaus. Why should I have to go through filing disputes when they should have closed the account in XXXX. Just as easily as they reported the open account to the credit bureaus I feel it is their responsibility to accurately report it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1. Credit Burea has taken more than seven ( 7 ) months to investigate reported information on my credit report. Items such as accounts not mine, inquiries not associated with an active account. 

2. Even after mailing notices and demand to delete/remove inaccurate and incorrect account informationn and inquiries, the bureau simple refuses to provide proof/evidence of it's investigation. 

3. I personally contacted the Bankruptcy Court Clerk in XXXX Texas who confirmed that it does not verify any bankruptcy filing with any third parties or credit bureaus. However, in their report regarding each my demands to delete the information, they state that the bankruptcy has been verified as accurate. This is a lie! It has been more than 15 days. It has been more than 30 days. It has been more than seven ( 7 ) months in the year of 2018.

4. I have personally given all three ( 3 ) bureaus my consent to delete/remove negative information by phone and in written form. 

5. As of today, I pay XXXX  and Transunion for credit monitoring. However, they will not provide me with any credit scores for their company or the two others. The reports have said " NO SCORE AVAILABLE '' for more than four ( 4 ) months now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1. Credit Burea has taken more than seven ( 7 ) months to investigate reported information on my credit report. Items such as accounts not mine, inquiries not associated with an active account.

2. Even after mailing notices and demand to delete/remove inaccurate and incorrect account informationn and inquiries, the bureau simple refuses to provide proof/evidence of it's investigation.

3. I personally contacted the Bankruptcy Court Clerk in XXXX Texas who confirmed that it does not verify any bankruptcy filing with any third parties or credit bureaus. However, in their report regarding each my demands to delete the information, they state that the bankruptcy has been verified as accurate. This is a lie! It has been more than 15 days. It has been more than 30 days. It has been more than seven ( 7 ) months in the year of 2018.

4. I have personally given all three ( 3 ) bureaus my consent to delete/remove negative information by phone and in written form.

5. As of today, I pay XXXX and XXXX  for credit monitoring. However, they will not provide me with any credit scores for their company or the two others. The reports have said " NO SCORE AVAILABLE '' for more than four ( 4 ) months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
XXXX has harassed me regarding their new XXXX credit card, they have been calling me every day to sell this new credit card which I have not been interested at all. At the same time, I had lost my access to my account on the XXXX website due to some glitches on the website and had not received any paper statement from XXXX either. I still do not know what was purchased on behalf of me and I am guessing some of them are not mine. The only choice had left for me was to apply for upgrading for a new credit card, but I was not interested at all. I went on a vacation outside the US and had not been able to pay my balance. Because of that, a late payment was reported to the credit bureaus and my credit score has dropped by more than 10 %. I have contacted them many times and asked them to review my case. At the beginning, they totally ignored me ; then, they said they reviewed it and decided that it was not their issue that there were some glitches in their system, I " should have found some way to pay my balance ''. But I could not see what I was paying for!!! They ignored me many times and gave me misleading advices as well. I have also attached three snapshots from the XXXX ' Credit Card website that shows the error messages I had received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
I sent so money threw money gram and it was reject and not pay and they will not responds, to give me my money back, I have call and email and no response

Company response to consumer: Closed with explanation