vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Being on XX/XX/XXXX I started to receive calls for the company referenced in this complaint.. the first call I requested over the phone that they send me validation of the debt that they alleged that I owed. The person on the other end of the line refused to give me their name and began threatening to file criminal charges on me and take everything that I owned. I again asked for them to send me validation of the debt that they alleged I owned the person yells at me and said since I refused to pay they were going to send a warrant to my home county and they would be there to arrest me. I hung up following the threats and yelling.. the next day I received a call from this same company. I asked again for them to send me validation of this debt that they alleged I owed.. these calls went on for almost to weeks. When I received a notification that 2 debts had been placed on my credit report. Without validation without written notice of this debt! According to the Fair debt collection practice act I am to receive in writing the notice of this debt before it is placed on my credit file. Also according to the Fair debt collection practice act and Ohio consumer sale practice act they are not allowed to falsely represent themselves as a law office or falsely accuse me of a crime. This debt has not been validated and has become detrimental to my credit score and has prevented me from obtaining financing! I again want the account removed! Until the company can provide me with the information that I have asked for! I still know nothing about this alleged debt! The amount where it came from nothing.. just threats to go to jail. I want this actions to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: OH

Complaint narrative:
According to the FCRA section 605B, the credit reporting agencies have the duty to block any and all accounts noted to be attached to reported identity theft. On XX/XX/XXXX, I submitted a dispute to initiate this process via mail. According to the previously cited congressional act this process of blocking these legally cited accounts should take no more than 4 days, yet the process is nearing 30 days.

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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
According to the FCRA section 605B, the credit reporting agencies have the duty to block any and all accounts noted to be attached to reported identity theft. On XX/XX/XXXX, I submitted a dispute to initiate this process via mail. According to the previously cited congressional act this process of blocking these legally cited accounts should take no more than 4 days, yet the process is nearing 30 days.

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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2018 Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

I received a cancellation of debt notice from XXXX , XXXX dba XXXX XXXX , XXXX in XX/XX/2018 indicating that a debt that I supposedly owe XXXX XXXX had been discharged in the amount of {$1200.00} dollars. 

On XX/XX/2018, I sent a letter along with a copy of the cancellation of debt notice to XXXX , XXXX dba XXXX XXXX , XXXX disputing this alleged debt and requested validation of the debt. Thirty days passed with no response from them. After failing to respond to my request, a second request for validation of the alleged debt was sent on XX/XX/2018. I  included a copy of my previous letter, a second copy of the cancellation of debt notice, and a copy of the mail receipt showing that XXXX , XXXX dba XXXX XXXX , XXXX received my first request for validation of debt letter on XX/XX/2018. 

XXXX , XXXX dba XXXX XXXX , XXXX responded with a letter and a copy of a check that I supposedly signed and cashed ; however, after carefully reviewing the check, I still disputed the validity of the alleged debt. The check states that a Payees endorsement and 2 forms of ID are required. XXXX , XXXX dba XXXX XXXX , XXXX did not enclose a copy of the 2 forms of ID used proving that I indeed endorsed the check. Identity theft is rampant in the world that we live in today, and a signature can easily be forged by anyone. 

I am requesting that this item be deleted immediately from my credit file because XXXX , XXXX dba XXXX XXXX , XXXX has failed to validate this debt. Please send me an updated copy of my credit report reflecting this change. 

Sincerely, Enclosure

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 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants' Credit Guide Company
State: MI

Complaint narrative:
I got phone calls stating that I need to call ASAP Today about a debt. I could barely hear most of the message but an authority voice telling me to call. I am XXXX XXXX XXXX as my husband is also a XXXX vet. We do not need this. We are paying our debts and closed and are paying on what we could not. I also have a cease communication order on every debt collector from these harassment calls and we get them anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My mortgage was with XXXX XXXX XXXX. XXXX XXXX XXXX previously modified my mortgage but in 2016 they adjusted the payment higher which caused me to miss two payments. XXXX XXXX XXXX then transferred my mortgage to Ditech who agreed to modify my mortgage again and bring the payments back to where they were before XXXX XXXX XXXX 's increase. The problem is that after Ditech modified my mortgage, they never updated the mortgage to current. Even though Ditech never reported on my credit report, they serviced my mortgage as if the modification ( with the exception of the payment ) was never completed and as a result, when Ditech transferred my mortgage to XXXX, they reported my mortgage to XXXX as 90 days late when in fact I was 30 days late.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been in contact with CapitalOne since early XX/XX/XXXX. I have made numerous calls and sent numerous emails ( two calls occuring as recently as Friday, XX/XX/XXXX and Wedensday XX/XX/XXXX ). 

I had a dispute with XXXX an attorney and in my case a mediator/arbitrator. 
I authorized a charge to put in {$7500.00} in a trust account only because he thretened he was going to use this against me in deceiding custody. Mr. XXXX refuses to give me the money back in trust and continues to bill against it for emails etc. 

Here is what I responded to CapitalOne with : 1. Proof of Return/Cancellation - I do not have proof of cancellation because I was threatened that if I didnt put money in a trust it could adversely affect the custody of my four year old daughter. ( See testimony from my attorney and court documents Dqmotion.PDF pages 6-15 ). 
2. Proof of alternate payment - Disp Tran There was no alternate payment. Mr. XXXX would not allow me to pay on a payment plan. 
3. Copy of your sales receipt Attached. I requested a confirmation of the split, but never received it. This money was to be held in a trust and this Mediator/Arbitrator continues to bill me against. I have no idea of what I am being charged for at this point. ( see email exchange ) 4. Response to the Merchant`s Rebuttal - I dont know what he has as his response. Again he has used the custody of my daughter to force me to pay him. 
In addition I have issues with my bills. Mr. XXXX charged me with a search for a psychologist for my daughter and we ended up with the psychologist I suggested in the onset. He gave me a partial refund for me disputing ex-parte communications ( see below ), but refused to refund me for the entire bill. 
I have disputed them a couple of times. My attorney XXXX XXXX told Mr. XXXX in XX/XX/XXXX that I would no longer be able to afford his services however he would not put me on a payment plan ( see email below ). Mr. XXXX was told in XX/XX/XXXX ( see attachment XXXX XXXX XXXX ) I did not have the means to pay him, yet he again threatened to use nonpayment against me in custody dispute. 
There must be some consumer protection against this behavior. 
I have been a long time customer of Capital One. My expectation is I will have your support. Please have someone contact me ( XXXX XXXX XXXX. 
Thank you. 
CapitalOne Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: MA

Complaint narrative:
Hello, I am writing in regard to the failure of receiving my pricematch benefit from Citi 's  Price Rewind program. 

I contacted Citi 's customer service and provided my case number and spoke with a claims adjuster named XXXX on XX/XX/18 at XXXX XXXX est. She told me my timestamped screenshot of the advertisement was not valid and could not substantiated at the store. This was a clear tactic Citi uses because I was familiar with their usual runarounds in trying to deny my previous claims with correct and valid documentation. 

To provide greater background, I have had the same issue with the Citi Price Rewind program last year to the month coincidentally and they provided the same baseless reasons in order to deny my claim by providing false details and interpreting their clear-cut terms and conditions in a fickle manner. The claims were eventually approved through CFPB as did my all my other claims from other times using this type of advertisement. 

XXXX promised me she would call me back that night and does not but eventually does on the following day at XXXX est on XX/XX/18 at a time I explicitly told her I would be busy at work. 

In the call she reiterates that she verified with the store and provides me with a current XX/XX/18 current item pricing to which I doubt because I verified with the store and the information I received conflicts with what I received from XXXX. Additionally, the information she provides is irrelevant because I am not submitting an advertisement for XX/XX/18 but in fact it was dated on XX/XX/18 and this information was valid and in stock at the time. Eventually later on XX/XX/18 a supervisor named XXXX informs me that they are standing by their original claim denial decision. 

Thank you

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 2018-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted.

1.XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX   5. 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 2018-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid off my XXXX 's account in full, but somehow they say I left a {$1.00} balance on the account which is absolutely not true. I would not leave a XXXX XXXX balance on the account. I simply paid it off and did not think twice about it again until I noticed they were reporting me 90 days late as ofXX/XX/2018, and then 120 days late in XX/XX/2018. I have tried to dispute this as an error due to the fact that I paid this account off in full and there should have been no balance left over, and therefore no late payments possible.

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 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Started receiving phone calls from someone named XXXX, XXXX left a message threatening to show up at my work and I must have my supervisor present so they can serve me papers. Received 4 calls in a row on XX/XX/18 no message left, I called back XXXX answered never identified his company or that he was trying to collect a debt. He started to ask me personal information ie. SS # and to verify my name. I informed him I was not comfortable doing so not knowing what this is about, he transferred me to a XXXX XXXX which informed me that they have been trying to service me with documents in regards to a debt, she also never recited the fair debt collection phrase. She told me they were trying to serve me with a court date but didn't have a court date but said they have been trying to serve me for a while now but could only provide one date as of XX/XX/18. I asked XXXX if she could mail me the information because I don't see anything showing at XXXX for any court date or request for judgment against me she informed me she couldn't send me anything but could have an apt set up to have her carryer service come back out to see me. I informed her they are not to show up to my work. I ended with telling her I would look into my rights and get back to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Veros Credit, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018 2. VerosCredit.Llc ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. XXXX XXXX XXXX   ( Auto financing ) inquiry from XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: FL

Complaint narrative:
On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018 2. XXXX ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. XXXX XXXX XXXX   ( Auto financing ) inquiry from XX/XX/2018

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 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo closed the account without my permission.

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 2018-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.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 non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
This is follow up on complaint XXXX about NATIONAL CREDIT ADJUSTERS , LLC. which is now closed but the issue still exists. 

My answer to the question " What would be a fair resolution to this issue? '' is below : I require Debt Validation which includes my signature which indicates I did indeed open the acct ( s ) in question. If this can not be produced the National Credit Adjusters LLC will cease and desist in all collection attempts and will remove any negative credit report entries regarding the acct ( s ) in question from all 3 credit bureaus ( XXXX, XXXX, and XXXX  ). 

The collector sent copies showing that 3 different accounts had been opened in my name ; however this does not mean that I was the one that opened them. I have already submitted in my original disputes of the account that I was the victim of identity theft and have filed a Identity Theft Affidavit reference # XXXX with the FTC on XX/XX/2017. I also made it clear to the collector that I required something with my signature that indicated that I was indeed the person that opened the accounts. The documentation provided by National Credit Adjusters LLC DOES NOT contain my written signature ; therefore it is my right under the Fair Debt Collection Practices act that all collection attempts cease and the accounts in question be immediately removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS

Complaint narrative:
XX/XX/XXXX first filed for collection XX/XX/XXXX judgement awarded XX/XX/XXXX order to appear XX/XX/XXXX hearing scheduled Debt collection company trying to sue for debt older than statue of limitations in the state of Kansas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation