vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Asset Management Systems Inc
State: GA

Complaint narrative:
I XXXX XXXX XXXX XXXX  XXXX ) have received several threatening phone calls on various occasions disrupting my peace and normal personal family obligations and responsibilities by continuously calling me threatening and harassing me about a 20 year old non eforceable debit that I'm not aware of entering into a contract that would obligate me to pay the debt that they verbally assert my indebtness without providing and contractual aggreements or promissory notes that the company states that I entered into for the purpose of an it education, yet when I request any documents, contracts or evidence to support that alleged material fact. After several requests for this evidence or proof of debt obligation I have yet to be provided with such only vague promised that as of today 's date has not been provided to even assertain that I in fact owe a debit they have the authority to collect on lawfully.i asked them to stop the treating calls and phishing for my personal identifies and private financial, employment, properties and current financial relationships with other financial companies that are in no way related or associated to this unverified or properly identified company without any authority to attempt to collect a debit that has yet to be proved that I'm in fact the correct debtor with the correct indebtness. Please formally file this complaint and investigate this matter to your fullest ability because I truly believe this is criminal fraudulent activity in furtherence of a criminal enterprise. 
The company harassing me identifies thereself as " FINANCIAL ASSET MANAGEMENT INC. '' Atempting to collect an debt for XXXX XXXX. I've been called and harassed by XXXX XXXX and XXXX XXXX claiming to be the supervisor while simultaneously attacking me via conference call with several other associates during the same phone calls. One phishing another harassing another falsely attempting to get me to agree to the unsubstantiated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I REVIEWED MY CHEXSYSTEMS AND I NOTICED SOME DISCREPANCIES ON MY REPORT PLEASE SEE ATTACHED DOCUMENTS FOR REFERENCE AS IT CONTAINS PERSONAL 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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Some time ago I had noticed some inquires on my credit report that I did not recognized. I sent a letter to the different bureaus alerting them that the inquiries were not authorized and that they should be removed. All that was done was that my letter was copy and pasted onto my report under the " Personal Statement ''. It showed up on all 3 bureaus for awhile. I was able to get the issue cleared up and all was fine. Years later now I am trying to apply for new credit cards but am being told because of the personal statement on my credit report they can't open new accounts. I was able to get them removed from XX/XX/XXXX and XX/XX/XXXX but Equifax has lied to me and failed to follow through on their own words. I have sent numerous letter requesting them to remove this personal statement from my credit report. I have received a response from them stating that it has been removed. Months go by and the statement still remains on my Equifax report. The issue has not been fixed and I sent letter after letter to Equifax only to be told the problem has been fixed, when it hasn't. The statement remains on my report and there is nothing I can do. I have called Equifax and been told on the phone that the statement would be removed but still nothing. I need this statement removed from my report. It's prohibiting me from acquiring new credit for no good reason. Equifax needs to remove the statement and stop just sending letter saying they've done something they haven't. They are reporting something on my report that they have said in writing they would no longer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as 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 explanation
Consumer complaint received 2020-12-23 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN, XXXX XXXX XXXX have contacted me numerous times I do not know who this company is I never signed anything with this company telling me they are operating on behalf of Citizens bank nor do I know who XXXX XXXX XXXX. Im constantly being harassed by this company. 
PURSUANT TO 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is " the term '' credit card '' means and card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This should be removed from My consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ) AND 15 USC 1681a ( 2 ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I have contacted WorldRemit repeatedly regarding my transaction number XXXX, for {$150.00} USD/XXXX XXXX dated XX/XX/2020, promised available by XX/XX/2020. It was never received in XXXX XXXX, XXXX, account # XXXX. ( Also my account. I am the sender as well as recipient. ) Your agency insists the funds were received, while it does not show up in XXXX XXXX records ( see attached statements for XXXX and XXXX ) in fact, they insist they do not even receive XXXX Transfers. However XXXX WAS a choice available on your website when I initiated the transfer. ( Although later on it was not. ) My receipt clearly indicates it was sent to XXXX. However, as I have mentioned to your representatives several times, the record of the transaction on your website indicates it was sent to a bank called XXXX. ( See attached screenshot, taken the week of the transfer. ) I believe this may have something to do with the problem causing the funds to have never been received. ( Incidentally, XXXX DOES receive international transfers. ) I have cooperated with XXXX XXXX representatives in every way, supplying proof that these funds were never received, contacting the bank, etc., everything they asked, yet they refuse to refund my funds OR cooperate further. Now, my account has even been disabled, which I feel may be a retaliatory action, and conveniently leaves me unable to get into my account to view the record of this transaction. Fortunately since your representatives had requested all this information, I already have all the information I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED DOES NOT BELONG TO ME, I AM NOT LIABLE TO THIS ACCOUNT AND IT HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM UPSET THAT THIS ACCOUNT IS ON MY REPORT. PLEASE REINVESTIGATE AND HAVE IT REMOVE. ATTACHED IS MY DISPUTED LETTER.

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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The new credit card I received and have been using has not been added to my report and it has been more than 3 months since I got it. XXXX XXXX is falsely reporting my XXXX XXXX credit card balance for the second time.

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 2020-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GFS II, LLC
State: MI

Complaint narrative:
My auto loan was financed though GATEWAY FINANCIAL out of XXXX, MI. My monthly payment was approximately $ XXXX/month. Around the summer of 2018 I unfortunately fell about a month behind on my car payment due to my employer eliminating my job. In the process of looking and interviewing for new jobs, I was making phone calls and leaving messages regarding my situation with XXXX at Gateway. No one from Gateway would return my calls. I then started emailing Gateway ( and XXXX ). And yet again, nobody from GATEWAY were willing to return my call or emails. This went on for about a month and a half. In XX/XX/2018 I sold my house. At that time I left messages and emails with XXXX explaining to him that I was going to be paying the car off once I closed on my residence but GATEWAY still repossessed my vehicle. In the mean time I left several phone messages with gateway explaining to them, that due to the fact that nobody wanted to return my calls or emails I was voluntarily allowing the vehicle to be repossessed. Later I received a letter stating they were going to take my vehicle to the auction for sale. This letter was received around 6 days before the vehicle was scheduled to be taken to auction. As I understand it, under state law I am allowed more time than 6 days to pay the vehicle off or rectify th problem. This did not happen ... .the vehicle went to auction and was sold for less then what was owed. This is when GATEWAY FINANCIAL started harassing me for the remaining amount of money owed on the vehicle. The amount they were asking for was more then the original amount owed. I made every effort to try and reconcile the situation but again, nobody would return my emails or phone messages. Now GATEWAY FINANCIAL is threatening to take my state of michigan income tax return for the outstanding amount owed?. I have disputed this with the 3 major credit reporting bureaus as well. And now when the covid -19 situation, things have not gotten any better. Please help. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened an account at Citibank with Citibank Personal Banker, XXXX XXXX at the Citibank branch at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
I put {$15000.00} into checking and savings accounts under an offer that was supposed to reward me with 2.5 % cash back on my CITI Master Cardand a {$400.00} additional cash bonus. 
It took several months of complaining/calling to get Citibank to pay me the 2.5 % cash back that was promised. Eventually, they began to pay me this promotional rate along with an extra {$50.00} ( posted on XX/XX/XXXX ) for the inconvenience I was put through. 
On XX/XX/XXXX, I sent XXXX XXXX an e-mail asking about the {$400.00} additional cash bonus. She never responded. 
Because of the Covid lockdown and my aversion to leave home, it wasnt until XX/XX/XXXX that I went back to the Citibank branch. On that day, I met with XXXX XXXX. XXXX XXXX reviewed the offer and my account and said that I should have received the funds. XXXX XXXX said that he would forward an inquiry for review and correction of the matter. I have attached a copy of what he wrote on that day. 
On XX/XX/XXXX, I went back to the Citibank branch and met with XXXX XXXX. XXXX XXXX told me that XXXX XXXX had never submitted an inquiry, but that he would do so. I asked him to put that in writing, but he refused to do so. I asked to speak with the branch manager, but I was told that he was on vacation until sometime in XX/XX/XXXX. 
I opened an account at Citibank on XX/XX/XXXX under a rather straightforward offer that was supposed to reward me with a {$400.00} additional cash bonus. No matter who I speak with at Citibanknothing ever happens. 
Why is Citibank allowed to do this?

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 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/XXXX : fraudulent charges in the amount of XXXX I called Bank of America, they did not return my funds. They tried to charge me for a replacement card. They told me it would be a 45 day investigation. They requested a fax of my ID. 

XX/XX/XXXX : I call for confirmation on my faxed ID. They say they didnt get it and that my account is closed ( with a balance of around {$1100.00} ). They say I can not access this account and that the claim I have for the XXXX in fraud charges will not continue on a closed account. Additionally, they can not give me information on the claim because the account is closed. ( Can not confirm or deny they received my fax ). They instruct me to call Nevada Unemployment as they are the sponsor of the account. 

XX/XX/XXXX : I am able to speak with Unemployment, who confirms they have nothing to do with my account closure and that my backpay of $ XXXX has already hit my account, which they are showing to be open. In addition, my unemployment is intact. They direct me back to Bank of America. 

I have talked to dozens of Bank Of America employees and managers. Ive been met with regurgitated speeches : unemployment is the sponsor ; they need to reopen the account ; we didnt close this, they did. Contact them Nobody is listening to me, I have not been allowed to collect my funds from my closed account. I have been inside the branch as well. 

I just want my money. I am the sole provider for a family of XXXX. We are truly in need. This is our livelihood. 

XXXX XXXX Bank of America fraud claim 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 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates, XXXX keeps sending letters requesting to collect a debt. 
I have sent XXXX certified letters requesting debt validation with a contract including my signature. They keep sending me the exact same letter with someone else 's ssn and no proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: GA

Complaint narrative:
Because I have been suffering from identity theft, I have been working with CRAs to remove all of fraudulent accounts that were made by the crime. 
XXXX and XXXX XXXX found all accounts that I have reported to be fraudulent were involved with the identity theft, so they have successfully removed all of negative accounts. But the Equifax is continuing to report one account from XXXX XXXX. As a credit reporting agency, they must delete and block such fraudulent account if the account was created by identity theft. I have submitted all the necessary supporting documents to them to notify them what my position is in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am going through the process of purchasing a home. My lender suggested that I pay this collection off even though it was due to fraudulent activity. I decided to follow that advice and settled the account with Portfolio Recovery Associates even though it was not my debt as I want to own my own home, I settled the account on XX/XX/XXXX and received the attached confirmation. They told me that they would request deletion of the account within 30 days. Fine. BUT instead they update the account with all the credit companies to reflect a balance of XXXX $ and then on XX/XX/XXXX, they reported an balance INCREASE of XXXX . This is the same amount that I paid them ( document attached ). It decreased my credit score by 34 points. I called them on XX/XX/XXXX and could not get through to the disputes department and the general customer service department was unhelpful. I send an email, also attached. I was finally able to speak to someone in the disputes on XX/XX/XXXX and she was also incredibly unhelpful. She told me that they updated with the credit companies on XX/XX/XXXX and had no record of the update done on XX/XX/XXXX. She also tried to convince me that I was mistaken. I told her that I was looking at the report as I spoke to her. Not sure how she could tell me I was mistaken if her system couldn't tell her what had even happened on the XXXX. She said she would forward my complaint to another depart and I should hear back in 72 hours. I do not have 72 hours to wait. They messed up significantly and this problem should be resolved IMMEDIATELY due to their reporting incompetence. A fair resolution would be to request immediate deletion of their account or refund me my money. If I lose my loan funding or have my interest rates increase due to this situation I will be seeking compensation and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Because I have been suffering from identity theft, I have been working with CRAs to remove all of fraudulent accounts that were made by the crime. 
XXXX and XXXX XXXX found all accounts that I have reported to be fraudulent were involved with the identity theft, so they have successfully removed all of negative accounts. But the XXXX is continuing to report one account from JPMCB CARD. As a credit reporting agency, they must delete and block such fraudulent account if the account was created by identity theft. I have submitted all the necessary supporting documents to them to notify them what my position is in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I have an account reporting on my credit reports that I do not recognize. 
Apparently it's for an apartment complex. The only issue with that is, I've lived in the same house all my life. I was raised by my grandparents and their house was willed to me. It is impossible that I could have incurred this debt. I have tried unsuccessfully to get the company to prove this debt to be mine and they have not responded at all. 

I was told by my boss to complain here to make them do their due diligence or remove the account. I've been requesting validation or removal for exactly one year now and I'm at my wits end. Please help.

Company response to consumer: Closed with explanation