vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On three separate occasions i sent debt validation letters to Midland Credit Management, the FCDPA has outlined laws regarding debt validation letters, and part of it states that once a creditor recives a debt validation letter, ALL ATTEMPTS TO COLLECT A DEBT MUST CEASE UNTIL THE DEBT IS VALIDATED, AND THEY CAN NOT DIRECTLY OR THROUGH THIRD PARTY CONTACT OU. in my matter midland credit has circumvented the process by taking civil action against me. This is deemed as a third party attempt in that midland is seeking to have the courts to order me to pay the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied to the below offer from American express on XX/XX/2020 https : //www.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX it is for a welcome bonus for {$250.00} if you spend a certain threshold. I was approved when i applied and then got to spend all the minimum amount that was requested in the time that was given by the card provider. 

I checked upon the bonus status with American express on a regular basis and was told that I was eligible to the offer and should expect it upon the closing of my statement. 

here is the catch, the disclosures are very wrong. once i completed my portion of the offer, i was told i was not eligible simply because i had been offered the same reward in the past years. 

I was never communicated this information but what is the most troubling is that for the very least it is an abusive practice and it is misguiding to the customer. 

They did not reject my application when i applied to the offer and let me spend all the amount they wanted to get the bonus and then announced that i was not eligible like many FI in this situation, they should have simply rejected my application if I was not eligible, instead of approving and then not accepting to pay the rewards that were promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
so recently i have had a amount addede to my credit repport, i have no idea what is pretains too ... i havent recieved any information of how or why this was added nor a chance to dispute it or make my case. if this is about a problem with a place i stayed at last for taking my whole big deposit and trying to charge me for unkown reasons that was noit on the lease, or for items the owner left. i said i would fight it in court ... i did not hear anything not even a court date was brought up. so i am assuming this may not be it. but i have no idea because i was not sent anything. they have failure to provide written notification of debt. the company is hunter warfield inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XXXX. XXXX, XXXX my bill did not go through HYUNDAI FINANCE - account with 2 missed payments. I could not pay due to covid-19 pandemic. The HYUNDAI FINANCE manager promised me that it will not affect my account. I am kindly requesting HYUNDAI FINANCE to remove these missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
XXXX XXXX XXXX , XXXX are attempting to sue me for a debt. The company has used unfair, and unconscionable means to collect or attempt to collect debts. The company did not present the original contract. Pursuant to 15 USC 1692 ( I ) ( b ) : Authorization of actions : nothing in this sub chapter shall be construed to authorize the bringing of legal actions by debt collectors.

This debt collector has placed derogatory items on my consumer credit report and participated in identity theft regarding my information. I have never given this company direct consent to obtain any of my information. 
The company had its attorneys reach out to me in which no remedy was given. Pursuant to 15 USC 1692 ( e ) ( 3 ), attorneys are of false representation. However, my instruction for remedy was not completed properly. Both companies have violated the TILA, FDCPA and FCRA. I would like remedy and this matter to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Simple. GUESSING IS NOT A VERIFIABLE DOCUMENT. The company consistently year after year makes what they call an " GUESSTIMATE '' on possible next year County property taxes without receiving verification from local municipality. The company increased my mortgage payment on a " guess '' and forced payment without receiving local official documents showing actual property taxes. I was charged an additional XXXX dollar 's per month on XX/XX/2021 and XX/XX/2021. After only threatening the mortgage holder M @ T Bank to take it to the AG, I received an update that they somehow found the correct info. BUT never returned the over charging. THIS IS AN OVER-LOOKED INDUSTRY ACCEPTABLE PRACTICE THAT IS COSTLY AND NOTABLE SCHEME WORTHY.. Increasing a mortgage payment on an estimate without receiving official state and municipality records gives the bank a loophole to always get customers to pay money to banks in a short term scheme that is excused EVERY year as " ... sorry we found it ... '' Why hasn't regulators caught this.. My complaint is M @ T Bank uses the `` sorry '' theme and didn't return my money.

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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've asked credit reporting agency Experian, to remove an address from my credit report because it is incorrect I've disputed item on XX/XX/XXXX, and twice on XX/XX/XXXX, and they have not removed it, I've even sent documentation of the correct address, they are only updating and not removing the incorrect information

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 2021-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sterling & Associates, LLC
State: OH

Complaint narrative:
On XXXX XXXX I contacted by Ms. XXXX from phone number XXXX. She stated there were charges pending against me. That if I didn't pay her, she would send my case to the federal court and sheriff. I would be arrested and charged for check fraud and other fraudulant activity for a payday loan. I have had loans in the past, and I was and am scared. 
I have to pay 3 {$500.00} payments. The first payment was on XX/XX/2021. I have an email receipt and it is noted on my bank account. My next payment is XX/XX/2021. 
Ms. XXXX said this loan is from XXXX XXXX, a large bank, and there is no way to determine whom the original loan is from. 
I am scared. I don't want to go to jail. 
This is not my first time dealing with this company. They threatned me and collected when the pandemic started. Ms. XXXX stated that if I didn 't pay, they would put me in harms way with the coronavirus. 
I need help and protection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have previously reported this company Pinnacle XXXX XXXX for their repeated phone calls and abusive language. Previously it was XXXX XXXX who called me, now they have XXXX XXXX calling. She called my phone twice on XX/XX/21, and left one message. I attempted to return the phone call that same day but the phone only rang with no answer. She also called a friend of mine twice on XX/XX/21. XXXX called again on XX/XX/21 and called my friend twice and texted him on this same day. I called XXXX back and once I realized she was with the same company as XXXX XXXX I told her I already disputed this with him and he told me I didn't need to do anything else. Then I told her she needed to stop calling and harassing me, and my friend with her endless phone calls and text messages. She began raising her voice, and telling me that " there's a process ''. I said I'm not giving you any of my information, so stop calling. She continued to yell and scream at me and eventually hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'VE REACHED OUT TO ALL REPORTING COMPANIES ASKING FOR A SIGNED CONTRACT, AND I HAVE NOT EVER RECEIVED ONE. WE I CONTACT THESE COMPANIES ON THE PHONE AND IN WRITING WITH MY REQUEST THEY NEVER RESPOND WITH A SIGNED CONTRACT. THERE IS NO PROOF ( WITHOUT A SIGNED CONTRACT ) THAT I AGREED AND THAT I AM RESPONCIBLE FOR THESE DEBT 'S!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I sent a letter to Equifax in regards to inaccurate accounts on my credit reports. in my letter, I requested that Equifax send me documentation such As a contract that tied me to this account or delete them from my credit report. It has be over 30days and they have not supplied me with the results of the investigation. Therefore I am asking that these false and inaccurate/ unverifiable items be removed from my report. I am demanding that the following unverifiable accounts be removed from my report Since Equifax has failed to furnish the results of the investigation in the timely manner regulated by law : The following account is not mine XXXX  XXXX XXXX  XXXX XXXX Account Number : N/A Please remove it from my credit report. 


2. The following account opened XX/XX/XXXX is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account opened XX/XX/XXXX is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4.The following account opened XX/XX/XXXX is not mine XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5.The following account opened XX/XX/XXXX is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7.The following account opened XX/XX/XXXX is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


8.The following account opened XX/XX/XXXX is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


9.The following account opened XX/XX/XXXX is not mine DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report 9.The following account is not mine XX/XX/XXXX is not mine. 
DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report 10. The following account is not mine XX/XX/XXXX is not mine. 
CHILD SUPPORT ENFORCEMENT Please remove it from my credit report 11. The following account is not mine XX/XX/XXXX is not mine. 
US DEPT. OF EDUCATION/XXXX  xxxxxxxxxxxx XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/XXXX : Received a notification of suspicious activity on our Macy/American Express card ultimately after investigating and reviewing our account statement on XX/XX/XXXX : fraud claim request on the following activity : 1 ) XX/XX/XXXX XXXX {$85.00} 2 ) XX/XX/XXXX XXXX {$130.00} 3 ) XX/XX/XXXX XXXX {$30.00} 4 ) XX/XX/XXXX XXXX XXXX {$14.00} total : {$250.00} XX/XX/XXXX : received letter from macy 's that investigation was underway XX/XX/XXXX : received letter from Macy 's that investigation was completed and all charges and related fees and interest was removed from my account XX/XX/XXXX : received statement that that we owe {$400.00} after contacting the fraud department they only removed {$14.00}. None of the letters showed what they were investigating and we were told on multiple calls we had with them that not to worry about the fees and interest that they would be removed. We are the point now that our score is damaged and a new file needs to be issued for the remaining balance. Your help to escalate this matter and resolve our credit score would greatly be appreciated.

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 2021-02-17 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2021-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
correct XXXX please correct the fraud alert on all bureaus potentially negative icon Potentially Negative StatusPaid in settlement. {$430.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$2000.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
I've contacted them on their website multiple times in the past month. I do not owe any debt except for my mortgage. They need to stop calling me. They have been calling the past 6 or months ; it's ridiculous. 

XXXX XXXX XXXX Harris and Harris of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XXXX, TransUnion and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

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 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I signed up for a CitiBank checking and savings account via a direct link from their website for a promotion that provided {$400.00} for depositing {$15000.00} across checking+savings and leaving this deposited for two months. I deposited the required funding on XX/XX/XXXX, {$5000.00} to checking and {$10000.00} to savings, for a total of {$15000.00}. These funds were left alone for over two months. 

Prior to relocating any funds, I called CitiBank customer service to confirm that I had met the promotional requirements of the sign-up bonus. CitiBank customer service confirmed on XX/XX/XXXX that I had met the promotional requirements on XX/XX/XXXX by leaving {$15000.00} deposited for 2 months and would receive my promotional deposit soon. The customer service agent confirmed that withdrawing below {$15000.00} would not affect my {$400.00} bonus, although I would have an account fee if I withdrew below {$10000.00} due to account type. After confirming this with CitiBank customer service, I used funds to make purchases, but still left an excess of the required {$10000.00} to avoid account maintenance fees. 

Today on XX/XX/XXXX, I called to check on my promotional deposit, as it has been over two months. I spoke with 3 different representatives, waiting on hold for over an hour, and got three different answers. One representative from CitiBank now claims that I opened the " wrong '' account, and that this promotional bonus never applied to my account, despite the fact that I applied directly through the CitiBank website, and I had previously confirmed with CitiBank representatives that my account qualified. The CitiBank representative refused to correct the issue, escalate to superior, or file an internal memo. 

I would like to receive the {$400.00} promotional signup bonus as per the terms of the initial agreement that was completed on XX/XX/XXXX and that was confirmed by CitiBank on XX/XX/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 monetary relief
Consumer complaint received 2021-02-17 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: TX

Complaint narrative:
correct XXXX please correct the fraud alert on all bureaus potentially negative icon Potentially Negative StatusPaid in settlement. {$430.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$2000.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$1500.00}

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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: OH

Complaint narrative:
This firm has contacted me twice regarding an account from 2015. Twice, I have asked to be shown the unredacted Bill-of-Sale that shows both the DATE and the amount their client, XXXX XXXX, XXXX actually PAID for this old account. They are claiming I somehow owe " them '' {$1600.00}. Unless they can show/prove that they actually paid this amount and " WHEN '', I believe I owe them nothing. I am disputing both their claim and the amount they believe I owe them.

Company response to consumer: Closed with explanation