vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is not obeying the law. 
Section 605B of the FCRA Says that I am to provide 4 things and then the CRA is supposed to block the items no later than 4 business days after I identify them.

Section 605B of the FCRA comes in 5 parts, ABCD and E.

They are set up in those categories because that's the order they are supposed to be obeyed. Experian is actually jumping to C without doing A or B. 
I have inquiries that are fraudulent on my credit file and I gave them everything they needed and they refused to obey the law. They're trying to tell me C can be done before A or B. They are breaking the law and I want them to obey the law. 
I have included screenshots of the inquiries that are fraudulent and need to be removed and also appropriate proof of my identity my statement that I didn't do it or cause it to be happened and also a copy of the identity theft report. So they have no reason not to obey the law.

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 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am supposed to receive Citibank new account sign-on bonus ( $  XXXX {$100.00} ) by XX/XX/2019. This was also confirmed with their customer service representative through online chat ( please refer to the attached online chat record ). Now I am still waiting for the bonus. Citibank did not pay me, did not tell me when they are going to pay. They just keep me waiting.

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 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting under on my credit reports is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
In XXXX I refinanced my home with XXXX XXXX. In XX/XX/XXXX I received and email from XXXX that they were transferring the loan servicing to XXXX XXXX. A new loan number was assigned ; XXXX. Under my original contract with XXXX no late frees would accrue until the payment became past due after the XXXX of the month. The due date is the XXXX. I am on Social Security and my monthly payment comes on the XXXX Wednesday of each month. Up until this transfer I was ever late past the XXXX. Since the transfer to XXXX I have been charged late fees. I have complained to them and demanded return of these fees. They respond that they have a policy for late fees. I advised them they can not unilaterally change the terms of my contract with XXXX and demanded they cease and desist any further late fees and to also return all charged late fees forthwith. They simply respond with a computer no doubt. It is hornbook law that a contract involving real property must me in writing. That would include an modifications. No such modification has been executed and XXXX has taken this contract subject to all of it provisions. Please help. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/2019 I reviewed my consumer credit report and seen various XXXX XXXX XXXX inquiries I called XXXX to report that I don't have any XXXX  XXXX credit cards open nor have I recently applied for a XXXX XXXX credit card. The customer service associate provided me with very little details about the account she did mention that the account I am questioning is a business credit card closed with an outstanding balance she referred me to a collection agency called Monarch Recovery Management , Inc to discuss my concern further. 
I reached out to Monarch which is a collection agency they was absolutely no help with the reason of me calling which is to discuss this XXXX XXXX XXXX Credit owned by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. They are in violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPPA ) I don't remember going into any contractual obligation with the original creditor are agreeing to an have by mediacl debts sold are published on a credit reports. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them I believe all three Credit Bureaus, XXXX, XXXX, for a debt of {$100.00}.

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 2019-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America Mortgage Loan Rep. XXXX XXXX # XXXX ( XXXX ) took a loan application for an FHA mortgage ( home purchase ) on a house in XXXX, Michigan. After reviewing the application he verbally stated that the loan would probably be approved. If not approved any fees charged by Bank of America would be refunded. {$650.00} was paid to B of A on XX/XX/2019 to start the approval process. I responded promptly to all requests for documentation requested by B of A. Subsequent to this Mr . XXXX informed me that I would not qualify for the mortgage based on the nature of my income, which was considered " commission '' for underwriting purposes. I work for XXXX as a XXXX XXXX. They guarantee me either a minimum amount of income or 50 % of my total billings. I also get significant tip income which is 100 % kept by me. I have consistently exceeded the minimum since I started one year ago. For informational purposes, I took my application to XXXX XXXX and was approved for an FHA loan in the same program with the same underwriting information. I have since purchased and closed on the home. 

Of the original {$650.00} taken by B of A, they refunded me {$280.00} on XX/XX/2019. This still leaves me {$360.00} short. When I asked Mr . XXXX for these funds he told me it was for an appraisal and would not be refunded. This seems unfair for the following reasons : 1. I was told I would get my money back if turned down for the loan.

2. I was turned down for reasons not related to the appraisal. Why was the appraisal even ordered if I was going to be turned down regardless? 
3. XXXX had no trouble securing approval for an FHA loan, which makes me wonder about the competence of B of A underwriters. 
4. The appraisal by B of A was ( according to XXXX ) not properly completed. I had to pay XXXX to have the appraisal redone. 
5. Bank of America 's inability to process a loan that their competition had no problem underwriting almost cost me the opportunity to close on our first home.

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 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
One night around XXXX XXXX  as I was working with my computer, suddenly the screen turned dark, and there was an 800-toll-free #  appeared on the screen saying my computer has been infected by viruses that I should contact them. I asked myself why and how did they know that? In the middle of the night all stores were closed. So I called the 1-800-toll-free #. The individual who answered the phone told me that the only way he could help me was to sign a 2-year contract with them. I replied why 2 years. The person kept insisting so I ended up signing a contract with this company named " XXXX   XXXX XXXX '' whose number was or is XXXX. 
Everything was going well until on XX/XX/2019 in the evening I received a phone call from XXXX XXXX assisted by XXXX XXXX and two other individuals whose last names I did not have a chance to get. But their first names are XXXX, and XXXX. 
XXXX XXXX told me as well as his assistant hackers that the company has changed name. It is now called " XXXX XXXX XXXX ''. They were currently working for XXXX XXXX and they needed to work on XXXX XXXX  on my computer. Plus they told me since the old company was no longer in existence they owed me some money since the contract has not expired yet. I told them to send me a check. They told me it was easier to do it online. So they made me filled out a form online where I inserted my bank name Suntrust while they said they were working on XXXX XXXX   on my computer. As they pretended working, they deposited within 4-5 consecutive days enormous faked amounts of money. In the next day they called me and asked me how much money I had in the bank before they had started working on my computer. I bluntly told them {$1600.00} both checking and savings combined. And that was what I had. With my {$1600.00} plus the large sum of money they put there I told them I don't understand what they were doing. I was scared of keeping people 's money in from which I had no authorization. The hackers told me to go to XXXX store buy {$1500.00} gift cards and {$1400.00} at XXXX Store. I told them that I didn't want any trouble I went and bought those gift cards and sent the numbers online to them. I was hoping they would at least leave me with my {$1600.00} the next thing I know they wiped out both accounts with their faked checks and run away. They even used a faked United States Treasury check to carry their criminal activities. Plus they overdrew {$1400.00} which the Suntrust bank asked me to pay back.

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 2019-12-30 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: Cascade Capital, LLC
State: TX

Complaint narrative:
I received a statement on an account that has been charged off. This is a time-barred account that should not be billed to me. This collection company has billed me before and was told this is a time-barred account and to not contact me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX and Citibank filed this case against me, which I consider is a mistake, because the amount processed for {$12000.00} is not a common value, so the Financial Institution had to send an immediate warning or text message to the client to authorize or reject the transaction and thus avoid possible fraud. 
If this had been done we would not have sent the product and the transaction would have been canceled.

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 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
On XX/XX/2019 I received a call from one of XXXX XXXX/ RD ACs associates ( XXXX XXXX ) before XXXX ( the Fair Debt Collection Practices Act specifically states that debt collectors can only call between XXXX and XXXX ). She left a message stating that this was an attempt to collect a debt by a debt collector. Later that day, I made 3 attempts to call XXXX XXXX/ RD AC back, but each call went to voice mail. I left messages disputing the debt they claim I owed, and asking for them to give me an address that I could forward my documentation to. I never was given this information. On XX/XX/2019 I made another attempt to return XXXX XXXX/ RD ACs call and Ms. XXXX answered. Before any information about a debt XXXX XXXX  or RD AC claims I owed was divulged, Ms. XXXX asked me to verify my date of birth, address, and the last 4 digits of my social security number. Since I have never met Ms. XXXX, and the sensitive personal information that she was requesting I verify can be used by anyone to steal someones identity, I immediately felt uncomfortable. I explained to Ms. XXXX that I was uncomfortable with divulging my sensitive personal information to any entity or individual that I did not know. Ms. XXXX then intentionally attempted to mislead me by stating that by federal law, she could not discuss any information with me before verifying my sensitive personal information ( no such law exists ). She then hung up the phone. I called back and Ms. XXXX answered. I asked her to forward any information that she had to the mailing address on file and then we could proceed. She reiterated that she could not proceed in any way unless I verify my sensitive personal information first. I refused to do so and ended the call. Due to XXXX XXXX/RD ACs negligence to provide me with a forwarding address, I had to find one for them : XXXX XXXX XXXX XXXX, Tennessee XXXX. I mailed XXXX XXXX/RD AC a debt validation request on XX/XX/2019. Within five days of its first communication, a debt collector is required to send a written debt validation notice. Today is XX/XX/2019, over 3 weeks since XXXX XXXX/ RD ACs initial contact and I am yet to receive any form of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Barclays Whyndham Credit Card. 

The company refuses to talk to me on the phone about the charges to my account. 

I have asked them on several occasions to stop allowing the charges they refuse. 

My Credit Card is max out due to the charges. 

I have a legal complaint the company who set of the account who is billing my credit card, I dont have any records. We have been defrauded by the company billing my card. 

I don't have any records of allowing them to charge my card they charges. 

All these charges are unauthorized. 

I am seeking legal action based on the out come of this complaint.

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 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Conn 's rep called 4 times per day even after I paid the bill Conn 's is known to charge you {$2000.00} and actually report you owe {$4000.00} on furniture Harrassed me at my job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
THEY SENT A XXXX  TO MY HOUSE TO COLLECT A DEBT PAST SEVEN YEARS OLD. THEY ARE LIARS AND COMPLETE FRAUDS. XXXX USED A FAKE BADGE AND XXXX LIED AND SAID HE WAS THE POLICE. I CALLED THE REAL POLICE AND TOOK OUT A CIVIL PROTECTTIVE ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i am filing this complaint because XXXX, transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

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 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On Thursday, XX/XX/2019, I used my XXXX card issued by XXXX XXXX XXXX for the online purchase of clothing from the merchant XXXX XXXX. The amount of the purchase was {$150.00}. Immediately after purchase, I noticed I had ordered two of the same items twice. I emailed XXXX customer service and informed them to remove both duplicate items and refund me accordingly. Upon delivery, I noticed both items where indeed removed from the order, however, no refund was granted only store credit which is unacceptable. I filed a dispute with XXXX for items missing. Secondly, every other item was entirely too small and not the size advertised. On XX/XX/2019, I returned the entire order back to the merchant via XXXX the delivery confirmation number is XXXX. The package was accepted by XXXX so the refund request was attempted, however, unsuccessful. I received an email from the merchant indicating that a Paypal dispute case was opened by XXXX preventing the refund. I have no idea why the bank decided to involve Paypal by attempting to act as a debt collector, however, I did contact Paypal personally and informed them that my debt to them was resolved through bankruptcy. I provided them all supporting documentation. At that point, Paypal has restored my account, however, I'm still routed to collections every time I reach out to them on the status of the claim. To this day, I have not received a refund and all communications with the XXXX as well as Paypal are unresponsive. The merchant is blocked from refunding me as promised, Paypal is not entitled to collect on the debt, and I am out of {$150.00} by XXXX 's decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's not my account. I never applied for it, I have any contracts or agreement with this company.

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 2019-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I returned my lease with American Honda Finance in XXXX. The payoff from the other car company came in late and as a result I was reported 30 days late no fault of mine. I disputed this and also contacted Honda and nothing was rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC is trying to collect on an unknown debt for XXXX XXXX XXXX in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus. No one has provided an original signed contract or any identifying documents such as my ID. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated.

Company response to consumer: Closed with explanation