vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 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: TN

Complaint narrative:
. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( Equifax, XXXX, XXXX ) deleted the account and then placed it back on ). ( Equifax, XXXX, XXXX ) has failed to remove block and deleted  information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 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: LEXISNEXIS
State: WA

Complaint narrative:
LEXIS-NEXUS IS UNLAWFULLY FURNISHING PUBLIC RECORD NO. XXXX ON MY PERSONAL CREDIT FILE WITH THEIR COMPANY IN ERROR AND I HAVE DISPUTED SINCE XX/XX/2017. SEE ATTACHED. 

I WAS A VICTIM OF IDENTITY THEFT AND HAD SUPPLIED THEM WITH THE FULL POLICE REPORT AND THE LETTER THAT WAS RECEIVED DIRECTLY FROM THE BANKRUPTCY COURT SHOWING THAT THIS WAS NOT MY BANKRUPTCY. THEY REFUSED TO DELETE THE BK, AND ARE NOW IN VIOLATION OF SEVERAL FEDERAL LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received unwanted debt collection calls ( robocalls- ( XXXX ) XXXX ) from Citi in the first week of XX/XX/2019. 

Transcript : Hello this is Citibank calling with important account information on your Citi Bank Card but I'm going to read it is by no you open a minute to XXXX read and if this is XXXX XXXX   XXXX press one should you be disconnected at any time during this call we can be reached toll free XXXX if not Frist to please make your selection now I'm sorry I did not understand that response please try again but I'm going to read it is by no you open a minute to XXXX XXXX and if this is XXXX XXXX  XXXX Press one if not Frist to please make your selection now I'm sorry I did not understand that response please try again but I got. 
( https : XXXX ) On XX/XX/2019, I spoke to a Citi credit card customer service agent. He confirmed that Citi sent out automated calls to remind customers ' of payments. 

I have not given Citi permission to call, and I have asked to be removed from your list. TCPA law prohibits telemarketers, banks, debt collectors and other companies from using robocalls to call you on your cell phone. Companies that violate the TCPA can face lawsuits and other penalties. Violations of the TCPA include : Robocalls to cellphones Telemarketers and solicitors can not call your cell phone using automated pre-recorded messages or robocalls. 

I'm sending this letter to stop receiving future robocalls from Citi.

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 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had reestablish a realtionship with Bank of America I had two checking and a saving I always made sure my accounts were balance of started working for realtor name XXXX XXXX as a transaction coordinator and the clients would pay through XXXX because I did not want to give out my account information. all transactions were put on hold for two weeks or more to make sure they cleared beg anything I did not do anything wrong the funds were released to me shortly after funds were released my account was closed telling me it was internal decision it was wrong I called they could not tel me  what i did wrong i waited for a letter no letter explaining all I was told that the bank can close my account if they want too but I did nothing wrong the fraud department held every deposit for two weeks or more investigated and release them to me I did nothing wrong and my account is closed totally un fair no justice

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 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America Visa credit card has this policy regarding interest payments : " PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' I paid off my balance in full last month and see that this month I was charged a " minimum interest charge '' XX/XX/XXXX MINIMUM INTEREST CHARGE XXXX What??!! Since when do I have to pay interest when my balance at the beginning of the statement period was XXXX? I called the bank and was told that it is their policy to charge interest on a zero balance if in the previous statement there was an unpaid balance on the card. But, of course, I was charged interest on that unpaid balance THEN so effectively I am being charged interest twice, which looks like theft to 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 monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a summons for a debt whch I had been making some monthly payments on. The amount of either {$6500.00} or {$6800.00} seems to be too high an amount. 

First, when contacted in XX/XX/2018, I had no proof that Midland Funding LLC initially in XX/XX/2018 was a valid creditor, and their main tactics seemed to be intimidation and threats to sue if large sums of money were not paid to them. The customer service individuals were clearly overseas and improperly trained. Eventually to avoid my own distress after encountering challenges due to domestic XXXX, I agreed to a monthly payment amount. 

This company seemed violate consumer laws in trying to threaten and intimidate individuals,, and show no respect or compassion for consumers encountering difficulties, such as lost jobs, or a move across the country. I initially endured harrassing phone calls, and minimal response to my statements and situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/19, I called to cancel my Bank of America credit card and to get a refund the annual fee associated with that card. When the card was cancelled, I was told that I would receive a bill for the amount due, and that it should have the fee refunded. However, I have checked multiple times, including calling, and the fee has not been refunded, nor have I received a final bill. I have tried to call again today XX/XX/19, and they have told me that the fee can not be refunded since the account is closed. I feel baited and switched, and all I want is for the fee to be refunded. It is customary by Bank of America to refund the annual fee if the card is cancelled within 30 days, and this is what I attempted to do. The account can not be reopened, and thus I have paid an annual fee for a card I do not possess.

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 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX the XXXX I received a summons for a debt whch I had been making some monthly payments on. The amount of either {$6500.00} or {$6800.00} seems to be too high an amount. 

First, when contacted in XXXX, 2018, I had no proof that XXXX XXXX XXXX initially in 2018 was a valid creditor, and their main tactics seemed to be intimidation and threats to sue if large sums of money were not paid to them. The customer service individuals were clearly overseas and improperly trained. Eventually to avoid my own distress after encountering challenges due to domestic XXXX, I agreed to a monthly payment amount. 

This company seemed violate consumer laws in trying to threaten and intimidate individuals,, and show no respect or compassion for consumers encountering difficulties, such as lost jobs, or a move across the country. I initially endured harrassing phone calls, and minimal response to my statements and situation.

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 2019-09-30 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: MD

Complaint narrative:
I have previously mentioned the missing payment history which has resulted in Experian changing the date of status from month to month re-aging the account. The account was closed/charged off XX/XX/XXXX yet now its showing the date of status as XX/XX/XXXX. This is highly unfair since now they are saying the account will continue recording until 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 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I reside at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX # XXXX Midland Founding LLC sued me for an old credit card dept, {$3700.00}, they had on their records with California Superior court XXXX county, case # XXXX. Which they claim that they have collection rights from XXXX XXXX. 

I went to court on trial on XX/XX/XXXX in person trying to defend myself since I could not afford an attorney and lost the case and now due to my financial problems I need to file for Bankruptcy and I even can't afford an attorney to help me to file for the BK. 
The documents they used against me was only data files that they had purchased from XXXX XXXX and statements that were not exclusive to me. They did not provide anything else. I disputed the dept and they responded by a single page letter that per their internal records I owe them money and not provided any other evidence. I reference the Consent order between CFPB and Midland to the judge, he said this is just some documents from a federal department and does not apply to state court, although the doc clearly says it applies to state and federal government. Midlands attorney did not speak in the trail and  the judge soley relied on the documents and asking me questions to give his vertict per the evidence given by Midland I expressed that the documents are hearsey and they are in violation of the consent order between CFPB and Midland but the judge was not interested. 
Prior the court they put negative report on my credit and that caused me denial of credit when going through a dental procedure and I suffered for a month before I had to pull an infected tooth. Now l am broke and feel defeated. I have been working 60 hours a week none stop for 5 years and always short and now they have the judgment to go after me to probably embarence me at work and my bank. I don't know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I sent a certified return receipt letter with sufficient evidence of the amounts that I paid to the rental property on XX/XX/XXXX. I also followed up with an email on XX/XX/XXXX. I have disputed this on my credit report also on the XX/XX/XXXX with all 3 credit bureaus. They are stating I owe them {$240.00} which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
i have never done business with XXXX XXXX XXXX and they turned me into collections for XXXX to, Midwest Recovery, also midwest recovery is trying to get money out of me for a loan of XXXX which i have never inquired or received, as someone fruadgenltly assumed my identy,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
TR promised to send my free credit report to me in early XX/XX/XXXX - I was told it was mailed XX/XX/XXXX. - Never received. Called again on XX/XX/XXXX. Told another one was being mailed. Again never received. 

Got a letter from Transunion dated XX/XX/XXXX and mailed out the same day. - but it wasn't my credit report. On my call on XX/XX/XXXX, I wanted to make sure Transunion had my correct address so I asked them to add it as a personal statement since they refused to enter my current and correct address. They botched it! all I have is a letter stating my personal comments - not recorded properly and by the looks of what was recorded - was a bit rude! 

I have begged and pleaded with Transunion on several phone calls to send me my credit report, I still do NOT have it. Transunion has failed to mail it to me, failed to enter my personal statement into the file correctly and even entered a bad address on the envelop which was mailed to me. Fortunately I did receive it. 

My last conversation with their 'supervisor '' he told me to break to law here and bypass the XXXX firewall and bypass the Transunion XXXX to get my report. I asked for details on this but all he suggested was that I use a VPN, It is ILLEGAL in XXXX. I told him not to say more but he blurted out It not against US law. 

This is NOT the way to do business! Rude behavior, suggesting illegal activity to get a credit report, and stating untruthful statements to the customer about mailing.

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 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent multiple letters to both Experian and XXXX bureaus that my bankruptcy is reporting inaccurate information. The date filed is inaccurate ( one says XX/XX/11 and one says XX/XX/11 as well as the court name ( one says federal and the other says us bkpt ct il XXXX ) when both should be consistent thru all credit reporting agencies. I have asked them to remove it over 4 letters that I have sent them and they responded saying its verified as  accurate which is not true.

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 2019-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
In XX/XX/2016 I obtained a leased vehicle from XXXX XXXX for a XXXX XXXX XXXX and I was told that I had unlimited mileage at the end of my lease that was paid off. I then in turned got truck and there was no financial advice on getting into this vehicle and now this has left me with a {$20000.00} mileage overage which has damaged my credit. bringing my credit score down from a XXXX to low 500 's. I am now in distress over this. I have never been late on any payments my credit to shambles. I called the company Chrysler Financial and complained to them as well as the Dealership. The salesmen told me it's on you now. This is very frustrating, I am suffering financially now due to this event. I also want them to reimburse for the interest charges as well as the damages to my character. My credit is in shambles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent multiple letters to both XXXX  and Equifax bureaus that my bankruptcy is reporting inaccurate information. The date filed is inaccurate ( one says XX/XX/11 and one says XX/XX/11 as well as the court name ( one says federal and the other says us bkpt ct il XXXX ) when both should be consistent thru all credit reporting agencies. I have asked them to remove it over 4 letters that I have sent them and they responded saying its verified as accurate which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I contacted the 2 Credit Bureaus regaring inquirs that I did not recognize. I told the that these inquiries need to be removed from my credit file. I sent each an letter requesting these inquiries be removed from my file : Experian : 1. XXXX XX/XX/XXXX 2.  EXPERIAN XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX XXXX 1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. 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 non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect Inc is trying to collect a medical bill from XX/XX/17 of {$340.00} from me. This is not my bill and belongs to an ex spouse. I have never gone to, or been treated at XXXX XXXX Hospital or any other hospital. 

I have disputed this claim, but XXXX has not removed it enough it is not my bill and no proof can be shown it is mine as it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
State Collection Service Inc is trying to collect a medical bill from XX/XX/18 of {$260.00} from me. This is not my bill and belongs to an ex spouse. I have never gone to, or been treated at XXXX XXXX   XXXX or any other hospital. 

I have disputed this claim, but XXXX has not removed it enough it is not my bill and no proof can be shown it is mine as it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: TN

Complaint narrative:
On XX/XX/2019 I sent PlusFour Inc a certified letter via USPS disputing a collection that they have place on my XXXX credit profile. PlusFour has reported that I owe {$230.00} to XXXX XXXX XXXX and that they are collecting this supposed debt. This debt is NOT mine. 

I asked PlusFour to provide me with 3 specific documents in order to verify this debt. I have listed below the items to provide me with in order to verify this alleged debt. 

1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They did not provide me with any of those documents. 

I have attached their response which does NOT verify that this is my debt.

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