vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 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: WA

Complaint narrative:
XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.

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 2018-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weinberg Mediation Group LLC
State: MD

Complaint narrative:
I am undergoing XXXX XXXX. I told the lady. She demands answers while I have a needle stuck in me. I have XXXX XXXX. I have called to mediate but now I need the harassment to stop now. My life doesnt need to take abuse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I used my XXXX XXXX XXXX XX/XX/XXXX for an online purchase, and believed I had updated my address at that time. I forgot I made this purchase with this card ( I rarely use it ) and never received a bill. I got a collection call at my primary phone number on XX/XX/XXXX. I was informed they don't abide by mail forward so my statements were returned to them with no attempt to communicate with me, despite them having a valid cell number. I was told on XX/XX/XXXX I would receive a bill in the mail at the correct address. I never did, and when I called back to inquire in XX/XX/XXXX, I was told I have a valid complaint and to fax a letter disputing the interest fees and late charges. I did so. I never received a statement and called to pay the XXXX due on both XX/XX/XXXX and XX/XX/XXXX and was told they couldn't accept payment because the account was in dispute status. I was told I would receive a statement. Never received anything, no statement, no response to my fax letter of dispute. Called XX/XX/XXXX and the balance now has additional late fees and interest charges. My status is " account revoked ''. I want the fees and interest removed - this was XXXX XXXX fault for not forwarding mail, and I want my credit restored and XXXX XXXX to acknowledge their numerous errors..

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 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc.
State: OH

Complaint narrative:
With XXXX, there is a debt through quality recovery services of XXXX which is false and it has ruined my credit report. 

I have written documentation that supports this to not be valid. This has been on my CR for 3+ years, and is hindering me and my XXXX children to living comfortably. I can forward the proof immediately ro support my claim. It is with XXXX XXXX XXXX apartment complex ) in the state of Georgia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
1. I received a promotional invitation from Citibank for AA advantage XXXX miles after I spend {$3000.00} within 3 month. 
After I spent about {$3800.00} I called Citicards to inquire when will I receive the bonus miles. They told me that I am not eligible because I receive bonus miles withing the last 2 years. I asked Citi card to close the account. 
This account was opened on XX/XX/XXXX 2. About a year later I received same offer. This time I called Citi card before using the card now they told me that I am not eligible to receive the bonus miles because they changed their policy and now " because I applied withing the past 2 years I am not eligible to receive the bonus miles. I asked Citi cards to close the account. 
This account was opened on XX/XX/XXXX this account WAS NEVER USED. 

3. Another year later and I received another offer as mention above. 
This time I called Citi cards BEFORE I applied. Cit cards Rep assured me that I will receive the bonus miles. upon receipt of the card and before using the card I called for another verification. I was told that I will not receive the bonus mile. I closed the account. 
This account was opened on XX/XX/XXXX And WAS NEVER USED. 

On all 3 cases above I was mislead by City cards THE HARM Because the above is showing as opened accounts on my credit report I have been denied credit a number of times. This, because some banks have a policy that if 5 accounts were opened in the past 24 month it is automatic denial.

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 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays site does not allow entering the full length of all possible checking account numbers. They simply cut off the last digits and don't warn the user. 

They also let you make payments, not just once, but twice or more on an invalid account number. They will also charge you a return payment fee for each time this occurs even though the error is partially due to their faulty web site. 

They refused to refund the fees, or even reduce it to one charge even though they know the account as invalid per their letter. 

This was not a old account, this was a new account and I was simply trying to get bill pay work properly.

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 2018-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I took out a personal loan with XXXX/One Main in 2008. I was not informed by the company that a " refinance '' started the entire loan amount from the beginning of the loan. I have requested complete pay history from the company. I have paid a considerable amount of money on this loan and deem it paid in full due to the company 's misleading their terms of contract, pressure to refinance, and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This is not my debt. This company is trying to collect a debt for a company that I have never done business with. They call me 3 to 4 times a day, while I am at work. I have asked them to stop more than once. They call from numbers that have the same prefix, just the last four are different, every single time. It is ridiculous. They can not provide proof that this is owed by me, which shows that it is not me, but they still will not stop calling. It has turned to harassment and it needs to stop. The company name is Diversified Consultants. When you look up the phone numbers though, they are all in individuals names. It shows that they are fraudulent. There are no contracts, paperwork, etc., to make their claim plausible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 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: MA

Complaint narrative:
On XX/XX/XXXX XXXX sent me a notice that they reviewed my loan balance to " ensure accuracy '' and determined that my loan balance was to increase {$14000.00}. I had to calculate the increase to the principal myself, as it wasn't included on the notice. I called XXXX on XX/XX/XXXX to request documentation to explain the logic of the increase and prove that the amount was correct. I was told by XXXX ( Employee # XXXX ) that he could explain the increase to me but could not provide any documentation. He explained that XXXX made an error and did not correctly capitalize the interest to my loan while it was in forbearance, prior to them processing the paperwork for my an income-based repayment plan. ( I filed an complaint w/ CFPB about IBR and the time it took them to process that paperwork -- complaint # XXXX ). It's unclear to me how a servicer is allowed to add to the principal of a loan without providing documentation. 

I've attached a copy of the XX/XX/XXXX notice from XXXX as well as a copy of my XX/XX/XXXX IBR approval, which lists the amount of both my federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have had my Citi bank Double cash card since XX/XX/2017. The cash back option allows for a direct deposit to my checking account after 2 successful payments ( per the app screen ) and have {$25.00} in rewards. I had made 2 and had well over {$25.00}, so I called in. 

Now they want me to wait another month and make another payment. Then I was told I needed a user submitted payment. I did that and still have no direct deposit option. They only say I can take an account credit ( which is not coded as a payment so I miss out on 1/2 my rewards ) or wait for a check then find a way to deposit to my bank. I would like the direct deposit option to be available, like it is to all other customers.

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 2018-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I filed bankruptcy in XXXX, the case was refiled to include all creditors old and new, my bankruptcy was discharged XX/XX/XXXX that included XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXX who stated they are not reporting anything negative and according to their records my balance is zero. A collection company stated they brought the account from XXXX XXXX and now reporting that I owe them XXXX on my report for an account that was opened XX/XX/XXXX. I don't have an account with Portfolio Recovery or any contracts with them to report I owe them XXXX. I don't have an account that was open with XXXX or XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX shows only on XXXX with a XXXX closed account balance. 
account was open over 5 years ago. The information of having a XXXX XXXX account XX/XX/XXXX is false information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: NJ

Complaint narrative:
On XX/XX/18 I noticed on my credit report that there were 3 hard inquiries that were not mine. Since they would bring down my credit score I called TransUnion to have them removed. The first person I talked to didn't speak English well but did tell me that they couldn't do anything for me so I asked for a supervisor. XXXX the supervisor told me that they can't take hard inquiries off my credit report even though I did not apply for credit from these companies. He said that I must get in touch with these companies and ask them to submit letters of deletion. I told XXXX that they are not responsible due to the fact that I did not give them any of my information. I also told XXXX, that my son who has the same first name as me, applied for credit to these companies. I also tried to explain to XXXX that my son and I have different dates of birth and social security numbers but he did not care. TransUnion does not check social security numbers or dates of birth JUST NAMES! Very IGNORANT people! TransUnion is lowering my credit score through no fault of mine and they REFUSE to help!

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 2018-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I discovered an item on my credit bureau from National Credit Adjusters regarding a Payday Loan From XXXX XXXX. In attempting a resolution on XX/XX/2018 I requested removal from my credit bureau in exchange for payment, despite belief the loan itself violated the laws of Texas. 

2 employees, including one claiming to be a manager, advised me, repeatedly, that the FCRA prohibited removal of items. I contested this as I know it to be untrue. They persisted until finally admitting it was not the law, and they were unfamiliar with the law, but it was what their company policy stated. When advised that they can not represent internal policy as law they became beligerent. I confirmed the call was recorded and advised I would be filing a complaint. 

Contact with XXXX XXXX advised me, by email, the debt belonged to : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX In investigating this firm by phone number I have found they have had numerous shell agencies over the years, which are repeatedly closed for illegal practices. 

As I offered payment to XXXX XXXX XXXX XXXX XXXX, despite a firm belief the loan was illegal, and they refused, and the collection agency engaged in clear misrepresentation of the FCRA, I believe both to have engaged in illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
In regards to XXXX, I have never used their services. When I was in XXXX my neighbor worked for XXXX and we had our phones through her. She did have my info, so I'm hoping nothing negative came of this. She changed jobs when we moved from XXXX to NJ in XX/XX/2011. My address there was XXXX XXXX XXXX XXXX. XXXX NJ XXXX. 
Note I have never walked in a payment to a phone bill. I would like to see proof of an ID for purchase of these phones. They stated I walked in payments in ca to pay. We lived in NJ during that time. I believe we used XXXX XXXX in NJ for 9 mo before I moved to Sc then used XXXX ever since. I had terrible credit and no money in NJ so I was unable to get regular phone service after my friend ended our XXXX usage. 
Also since XXXX we always had XXXX phones, one for me and my XXXX kids. I have disputed this with XXXX before and nothing changed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
The representatives do not identify themselves, nor do they completely verify their customers. When calling they only ask my name and date of birth ... how is this proper verification? Personal information can be shared with anyone who knows my name and birth day. When I call the company reps refuse to provide their names. They refuse to allow me to speak with management and I have also been hung up on several times. They yell at consumers. The mini-miranda has never been read to me verbally. After at least 15 phone calls made over the last year I finally found out the name of the rep that I have been speaking with.. He may have not been honest. He advised that his name was XXXX XXXX and that he was the head of the company ... XXXX XXXX if you are the head of the company you should not be treating customers in such a rude manor and be following the FDCPA collections laws. Why are you even handling a {$340.00} dollar cable bill if you are running the company? One agent was willing to offer an arrangement on XX/XX/XXXX and when I called back on XX/XX/XXXX I was completely disrespected and hung up on. XXXX XXXX yelled at me and I was threatened. Completely unfair practices by XXXX. XXXX XXXX is extremely rude and I plan on taking this issue as far as possible. All over a XXXX cable bill. I have never received a written debt validation notice. All XXXX XXXX wants to do is argue rather than helping customers. 
XXXX XXXX has made several false statements and misrepresentations. He has used obscene, profane, or abusive language. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX J went to XXXX to buy XXXX XXXX XXXX . I have told them that I want to finance it through my Barclaycard Apple rewards card. They have made a charge. My first statement went out fine as it should without any APR charged yo my account. But after I got second statement I was already charged APR 21.85 . I have called Barclays and they told me that I have to call them before I make purchase to make it promotional, but nobody has told me that and my first purchase year ago was promotional without any call. Plus all this happened 45 days after I have made a purchase and they cant change it to promotional purchase due to exceeding 30 days period. Sounds like a nice trap yo me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: EQUIFAX, INC.
State: IA

Complaint narrative:
my equifax credit report dropped 57 points overnight. The report stated that I had been late 9 times with an XXXX account. I contacted XXXX, they stated that I have been on time with the payment ( taken out of my checking account each month ) since 2012 and I am actually ahead on the account. XXXX did not send any negative information regarding the account. 

On the equifax account marks in a calendar format that I have been late on a loan, but on another equifax document shows that I have not been late on any loan. 

XXXX XXXX showed in their credit report that everything was fine and my credit actually went up 3 points. 

It should be an easy fix. I have not been late paying any of my accounts. 

Thank you for assisting me on this frustrating issue. 
*I do not have any documentation because I have never received any late notices on any of my accounts*

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I discovered an item on my credit bureau from XXXX XXXX XXXX regarding a Payday Loan From XXXX XXXX. In attempting a resolution on XX/XX/XXXX I requested removal from my credit bureau in exchange for payment, despite belief the loan itself violated the laws of Texas. 

2 employees, including one claiming to be a manager, advised me, repeatedly, that the FCRA prohibited removal of items. I contested this as I know it to be untrue. They persisted until finally admitting it was not the law, and they were unfamiliar with the law, but it was what their company policy stated. When advised that they can not represent internal policy as law they became beligerent. I confirmed the call was recorded and advised I would be filing a complaint. 

Contact with XXXX XXXX advised me, by email, the debt belonged to : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX In investigating this firm by phone number I have found they have had numerous shell agencies over the years, which are repeatedly closed for illegal practices. 

As I offered payment to XXXX XXXX dba Cash Central, despite a firm belief the loan was illegal, and they refused, and the collection agency engaged in clear misrepresentation of the FCRA, I believe both to have engaged in illegal practices.

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