vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On my XXXX Citi Costco Anywhere Visa statement there was a questionable late fee of {$30.00} and an interest charge of {$32.00}. I contacted XXXX. who agreed and waived the late fee and interest charge and those credits showed up on my XXXX bill. 

But also on my XXXX bill, it also showed I owed {$8.00} interest! I called and XXXX XXXX said she'd credit me this " residual '' interest charge - residual from the {$32.00} above! I had never heard that term and that sounds ridiculous. ( The explanation sounded like while they credited me back interest, they did so at a time that it was in 2 different billing periods so the " credit '' of {$32.00} only covered one billing period but not the other even though there was only one interest charge in 1 billable month time frame : / ) So, she said she credited it - fine - lots of my time spent for this. 

Then I add up my charges so I can pay my bill and it doesn't add up to what they are saying is owed. Somehow, there is {$1.00} additional owed. I look at the statement and it says 2023 Interest is {$9.00}. Which is the {$8.00} ( that was just credited ) plus the mysterious {$1.00}! 
I get back on the phone with Citibank. XXXX explains that since I took an offer of a lower interest rate for a promo time, that some of the interest was on one rate and some ( the {$1.00} ) was on the lower rate during the same billing cycle and for standard purchases. ( Did I lose my mind? ) Anyway, she would not credit me that {$1.00} as she said she couldn't BECAUSE it was my choice to take the promotional offer! 

Citibank has been a decent company to work with, but not sure what is going on now with them. It may only be a few bucks to me, but that times a XXXX customers amounts to XXXX for them.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
ONEMAIN account # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I sent the the company a letter asking for debit validation. I request a copy of the original contract that created the alleged debt, a fully accounting history from the original creditor, proof of ownership of the alleged debt and proof of assignment of each change of onwnership, proof they are legally allowed to collect in the state of GA, any interest or fees that have accrued or add and proof that they sent the legally required notice to me before reporting the alleged debt to the CRA 's. It has been over 30 day and I have not received a response. I have not provided consent to this creditor or CRA, they are in violation of 15 USC code 1681b. This accounts need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
1.Experian Credit Bureau : Has been Reporting inaccurate Fico Scores & since XX/XX/XXXX to XX/XX/XXXX in the range of XXXX, While XXXX and XXXX Credit Bureaus have been reporting my FICO Scores i the range of XXXX XXXX. 
2. Experian has been consistently charging my credit card {$30.00} per month and has fraudulently been unable to provide me quarterly annual reporting on three major credit bureaus ; XXXX, XXXX and Experian since XX/XX/XXXX to XX/XX/XXXX. 
3. Dated XX/XX/XXXX, Experian failed to provide me identity theft protection services as guaranteed and contracted in my $ XXXX  monthly fees from XXXX XXXX XXXX. 
4. To date there is an account XXXX XXXX that was a result of identity theft filed in XXXX and Experian has failed to remove this from my credit report account. 
5. Experian Refused to refund me my monthly fees and provide me with accurate credit reporting.

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 2023-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA

Complaint narrative:
I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

My request was sent certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Got a chase bank cash advance on my XXXX credit card ( since closed ) I paid it off in full 3 days later. Teller wasn't aware of Chase Bank policy that you can't pay off a Chase Bank cash.advance until 30 days after the next statement comes out, and by mistake she accepted the payment, but posted it against my regular credit card balance. This caused my interest rate to spike to 29 % Chase is still asking my to pay the balance of {$1500.00}. They made this card 0 % interest, but never got rid of the excess interest chargesXXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was told i was sent a email for a class action lawsuit for a data breach with capital one which capital one confirmed i was apart of but i never received an email. When asked what i would have to do i was told its nothing i can do because its to late. I then asked while if i never received an email how could i respond and if you guys are saying my data was included then why not make better attempts to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: IL

Complaint narrative:
I received notification from credit reporting that a collections account from LJ Ross Associates had been placed on my credit. I did not receive any notification from the company to investigate or dispute nor do I have any notifications of the debt from my healthcare provider.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I made a credit in the amount of {$5100.00} and the credit card company processed it as a cash advance. I am disputing the {$250.00} cash advance fee and interest charges. The merchant to my knowledge did not process this as a cash advance. The credit card company opened and then closed dispute case # XXXX since I was not disputing the XXXX just the fees without an explanation. They asked me to open another case and then refused to open another case,

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My name is First name- XXXX / Middle Name- XXXX/ Last name- XXXX It should appear as XXXX XXXX or XXXX XXXX XXXX any other name is incorrect

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
I got an email on XX/XX/2023 from Revvi stating that they have a settlement offer for me. I was instructed to call them to get the offer terms. I called Revvi on XX/XX/2023 to get the terms of the settlement offer. The representative told me the offer is for {$41.00} for 3 months. I asked if I could just pay the {$120.00} ( {$41.00} for 3 months ) in a lump sum, and the representative said yes. I asked if my account would then reflect a XXXX balance, and the representative said yes. I asked if my account would stay active, and the representative said yes. I then agreed to those terms and proceeded to verify those terms with that representative at least 3-5 times while I was preparing my payment of {$120.00} for the settlement offer. Ultimately, I successfully made that payment on that same ( recorded ) phone call. I checked my account balance the following week, and my account did not reflect a XXXX balance. I have since spoke with this company and they are denying that the terms ever existed. I asked them to listen to the recording of that conversation, and they ultimately said that will most likely never happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I paid the company XXXX on the bill, and was told the account was closed, but it continue to add late fee and monthly maintanance fees every month. Even though I'm not using the card, in fact I was cut the card up, cause they told me it closed, but I still receiving a bill every month, it up to like XXXX 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I was receiving daily calls during work hours. I finally had free time so I called them back. They stated I owed around {$1200.00} for a payday loan and that they already had a garnishment ready to be served. They said that the payday loan is from XXXX, but they had a bank and employer listed that I stopped working for before XXXX. They offered a settlement offer of {$1000.00}. I was unable to pay that amount. They offered 12 bi-weekly payments of {$170.00}. I asked for in writing, in an email. They denied my request and threatened to " just go ahead and have you and your employer served ''. I asked if the call is being recorded and she said yes. She also told me that if I didn't agree, then my debt would go up by {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I uploaded and mailed an Identity Theft report along with a personal handwritten letter pertaining to my complaint pursuant 15 USC 1681 C-2 ( Identity Theft/ Block ) with all required prerequisites for blocking. XXXX claims they did not receive an upload even though the system upload was successful. Several accounts were listed as fraud and 86 addresses as well as 4 different social security numbers. This is nothing more than a refusal to comply and a stall tactic. Therefore, I am requesting all accounts identified as fraud related be blocked immediately according to federal law. XXXX XXXX rejected the process to initiate a claim with documentation being received. They stated the information was not sent by me, even with personal handwritten letters. Equifax has extorted all documentation that was included with my packet, including my personal identification such as Social Security Card and Drivers License.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I uploaded and mailed an Identity Theft report along with a personal handwritten letter pertaining to my complaint pursuant 15 USC 1681 C-2 ( Identity Theft/ Block ) with all required prerequisites for blocking. Experian claims they did not receive an upload even though the system upload was successful. Several accounts were listed as fraud and 86 addresses as well as 4 different social security numbers. This is nothing more than a refusal to comply and a stall tactic. Therefore, I am requesting all accounts identified as fraud related be blocked immediately according to federal law. XXXX XXXX rejected the process to initiate a claim with documentation being received. They stated the information was not sent by me, even with personal handwritten letters. XXXX has extorted all documentation that was included with my packet, including my personal identification such as Social Security Card and Drivers License.

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 2023-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Reference number from previous complaint : XXXX Amsher Services on behalf of XXXX. Previously requested no further contact. 
Yet Amsher Services persists with mailing me letters demanding payment. 
I have previously demanded they no longer contact regarding this matter. 
Current mailing has a XXXX form for fraud dispute investigation. 
Note : I have never had XXXX services or devices. Never subscribed to or cosigned for XXXX services. Made a payment for another party. This other party defaulted on their account. XXXX fraudulently used my personal information without my permission in attempt to collect for a service that was not mine. 

There is statutorily an interstate aspect to this matter with respect to fraud. 
XXXX is in multiple states. 
Amsher Services is in Alabama. 
I live in Texas. 
The form from Amsher Services for XXXX requires a police report. 

XXXX  would not provide me any details about how my name came to be associated with this account in such a manner that would allow them to pursue a debt defaulted on by another party. 
The only name ( XXXX ) I can provide for a police report would be : XXXX and Amsher Services I contacted Amsher Services on their toll free number on XX/XX/2023 and reiterated about the facts of this situation. Paid a payment for another party, other party defaulted on the account, I was not the subscriber, did not cosign or otherwise allow my personal information to be used outside of the payment made on behalf of another party, never had any subscriptions or devices for XXXX, XXXX is attempting to commit fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested for address that are not mine to be removed from my credit report and they refused to delete. 

These address are not mine : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation