vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I wrote to TransUnion, XXXX, & XXXX   in regards to them saying I owe {$720.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX XXXX myself informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I would like this inaccurate information deleted immediately from all three credit reporting agencies.

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 2018-10-22 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:
Citibank froze my checking and savings accounts and forced me to set up new Citibank accounts. I could not access the frozen accounts online. I also could not go to a Citibank branch to handle the frozen accounts because there are none in XXXX. The closest branch is in XXXX. I was forced to open the new accounts over the telephone. All of my disposable funds to pay my mortgage and credit card accounts were in the frozen checking and savings accounts. Most of my monthly direct deposits went into the frozen checking account because it would still accept deposits, but not withdrawals. 

On XX/XX/2018, I tried to set up the new Citibank accounts over the telephone, but the Citibank Fraud Department said that I would have to go to the nearest branch. I told them that the nearest branch was in XXXX! I asked them if they really expected me to buy a plane ticket to fly to XXXX to set up new accounts so that I could transfer money out of my frozen accounts. XXXX, a Supervisor in the Citibank Fraud Department, said Yes that is the only way.

I was shocked!!!! Does Citibank really understand how ridiculous and unreasonable this requirement is? XXXX would not even let me speak to his Manager when I asked. By this time, I had spent 245 minutes on the telephone with Citibank at a cost of {$28.00}. I still can't believe what happened to me and the totally unacceptable customer service that I received from Citibank. Without a doubt, in all my 50 years of banking and dealing with investment and financial services companies, this was the very worst customer service experience I have had. It has been a complete nightmare. It is disgraceful that a world-class bank can not treat their preferred clients better.

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 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MD

Complaint narrative:
In XX/XX/XXXX I was XXXX XXXX after an eight-year term from the military. After which, I fell into debt with Discover.  Late XX/XX/XXXX the account was sold to XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) and they filed a court case against me with the state of Maryland where an affidavit judgment was entered in their favor because I was never served with the court documents. Nonetheless, early XX/XX/XXXX, I received a letter and numerous phone calls on behalf of Discover from XXXX and XXXX, XXXX ( XXXX Box XXXX, XXXX, VA XXXX ), a collection agency, regarding the debt for approximately {$8000.00}. After numerous calls, we agreed that if I were able to pay {$3000.00}, they would render my account paid in full. 

On XX/XX/XXXX, I made a payment of {$3000.00}, received a confirmation letter and assumed the case had been closed ( see attached ). 

Apparently, they never closed, updated or notified Discover or the credit bureau of my payments. On XX/XX/XXXX, I received another letter from XXXX and XXXX regarding the same debt from Discover, citing a {$7500.00} balance, noting that they had been " authorized to accept {$3700.00} to resolve your above-referenced account if your funds are received in our offices on or before XX/XX/XXXX ( see attached ). '' I called immediately to dispute the claim and cite the error. However, the representative told me that they were not mistaken and while the payment had been made, I still owed Discover ( XXXX and XXXX ) the full amount. After a lengthy back and forth ( three phone calls ), I was told that I would be contacted by someone from their department, which never happened. 

Much to my dismay, on Friday, XX/XX/XXXX, I received a thick, white, 11x13, envelope from Discover ( XXXX XXXX  XXXX, XXXX XXXX, OH XXXX ) which included all of my previous statements ( approx 200+ pages ) with a letter citing the following, " we researched the dispute of liability for the above-referenced account. We found the account and balance to be valid. '' " ... We have forwarded our findings to XXXX XXXX and XXXX XXXX ... '' ( see attached ). 

Additionally, the following day, Saturday, XX/XX/XXXX, I received a similar package ( Manila envelope 11x13, 200+pages ) with all of my statements from ( XXXX XXXX  XXXX, XXXX, VA XXXX ). The cover page indicated that I owed {$7600.00} and " ... that interest is accruing at the rate of 10 % per annum. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: CA

Complaint narrative:
XXXX, XXXX and Equifax has many unauthorize inquiries and negatives reporting that is hurting my credit scores and opportunity to achieve a VA Home Loan to  purchase a home in California. 

Here is a list of Unauthorize inquiries from all three major Agencies. 
( 1 ) XXXX displays 1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX Via XXXX XXXX 4.XXXXXXXX XXXX via XXXX XXXX 5.XXXX  XXXX XXXX 6.XXXX XXXX  XXXX via XXXX XXXX 7 XXXX XXXX XXXX XXXX. 

( 2 ) Equifax, 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  5.XXXX ( 3 ) XXXX. 1.XXXX XXXX XXXX 2.XXXX  XXXX  XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX 6 XXXX XXXX/XXXX XXXX XXXX 7.XXXX XXXX XXXX. 

I am XXXX, XXXX XXXX. Very Urgent Matters on my credit scores and my credit to be in prosperity and Innovation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The 3 credit reporting agencies are still reporting a account that was opened in XX/XX/XXXX with XXXX XXXX and closed /discharged in XX/XX/XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XX/XX/XXXX and reporting it as opened in XX/XX/XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.

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 2018-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
As a preferred customer with Bank of America, my husband and I receive a lot of offers to do more business with Bank of America. One day when I was in the bank, one of the staff informed me of a special they were having on HELOC loans, so I sat down to discuss. Prior to applying, I told the bank rep that we had filed for bankruptcy 5 years ago, and asked if this was disqualifying. I was told it was not. I was asked what was the value of our home and how much we still owe. I said we owe {$860000.00} and the value was probably about $ XXXX. I was told that looks fine, so I went ahead and applied. I told the rep we were looking to get a HELOC for $ XXXX XXXX The initial application was a simply two page document. Afterwards, I was contacted by BOA and asked to supply every single piece of financial data on myself, my husband and his business - tax returns, W2s, pay stubs, acct statements, profit/loss statement, etc. Once they had all of my financial information, and had pulled and dinged my credit, I was told BOA only gives HELOCs up to 75 % of value for jumbo loans, meaning we would only be eligible for a loan of less than {$100000.00}, which didn't serve my needs. Next we were told that the loan was denied. When we spoke to a rep on the phone, he specifically requested to speak with my husband and said the loan was denied because of my lower credit score, but that BOA would be willing to approve a HELOC application only in my husband 's name. The formal denial letters sent separately to me and my husband also stated difference reasons for the denial. My letter stated the reason as " Bankruptcy on file ''. This is problematic because if bankruptcy were grounds for denying the loan, it should have applied to my husband as well. In addition, the BOA rep knew we had filed for bankruptcy before I applied for the loan and before BOA collected all of our financial data. 
In addition, on what grounds can BOA offer my husband a HELOC based on a secured property that we jointly own? He gets all the benefit of the HELOC and yet I share half the risk. Surely, this is against regulation, and it is discriminatory again women in a marital relationship. 
We filed for bankruptcy because of a failed investment debt of my husband 's. It was his debt that was XXXX, not our home nor our vehicles. I am required to share in his debt, however, financial institutions can consider us differently after the bankruptcy given his very high income and my average income. This is discriminatory and gender biased.

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 2018-10-22 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to contact Experian to cancel an account I never authorized with them. They are charging my credit card {$23.00} per month. I tried to cancel online and can not see how. I tried calling on the phone and there is no operator to speak to. I have sent numerous e-mails and tweets and have not heard back at all. 

I am severely disappointed.

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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The 3 credit reporting agencies are still reporting a account that was opened in XXXX with XXXX XXXX and closed /discharged in XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XXXX and reporting it as opened in XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The 3 credit reporting agencies are still reporting a account that was opened in XXXX with XXXX XXXX and closed /discharged in XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XXXX and reporting it as opened in XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.

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 2018-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Two weeks ago I placed an order with a company that did not provide the address ; after paying for the products via PayPal, I found out the company was in XXXX not the US. I immediately cancelled this order online as this company, XXXX, has a 24 hour window to cancel the order. The company attempted to make me accept a " cash coupon '' and I continually refused. This account is now in dispute with PayPal but they are still asking for a payment to be made on this account even though this is in dispute. 
Dispute Case ID : XXXX Transaction Amount {$110.00} Dispute Amount {$110.00} Transaction ID : XXXX Transaction Date : XX/XX/2018 XXXX attempts to force me to keep this purchase by continuing to send the items even though I cancelled this order immediately. 
PayPal Disputes keep saying conflicting statements : we will refund you the money since you cancelled this order ; no, we will not refund you the money as we do not deal with buyer 's remorse ; FAX your emails to the company to PayPal at XXXX ; then no we do not accept fax. 
Thus, PayPal continues to request that I make payments on time when there are two ( 2 ) disputes that equals the balance. I am refusing the packages on these disputes ; however, it will take forever to get back to XXXX. 

PayPal continues to misrepresent the truth, will not give the correct fax numbers ; can not contact PayPal via the portal. This is an absolute mess. PayPal is horrible. It is far better to only purchase via XXXX not directly with PayPal.

It seems that PayPal knows many of the goods are defective and poor quality from XXXX and it is so very hard to secure a refund or return the products. 

Second Dispute XXXX XX/XX/2018 {$24.00} This item arrived on XX/XX/2018, I am refusing this item and giving it back to the post office unopened to send back to 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 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof.

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 2018-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
Good Evening, I am currently working towards loan forgiveness via the PSLF program as an XXXX XXXX service member. I recently learned that 99 % of applicants were denied forgiveness for a very similar issue I have experienced. The first two years of my military service there was little information regarding the means to ensure compliance with the complex rules congress established for forgiveness. Further, the loan service company could not answer questions nor provide guidance. Merely through the assistance of an acquaintance, I learned that I must consolidate my loans in order to qualify for PSLF. Nearly two years of payments towards my initial loan payments, paid in the honest and fair spirit of the law, will not count towards loan forgiveness. I believe this is truly an unfortunate and saddening realization that clearly thousands of other public servants are facing. The execution of this program have failed those faithfully serving this great nation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
This debt was reported on my credit after I already advised the original creditor that it was not my debt and fraud since I had no longer lived at this residence and I never signed a contract I advised them that it was fraud and they never reported it But sold it years later to Credence who report on my credit with no contact or mail This is causing great harm to my credit when it was fraud on someone elses part,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation