vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Date : XX/XX/2019 Place : XXXX checkout counter in XXXX XXXX, XXXX, CA The associate told us that if we sign up for store membership, we would get additional discount, but when he asked for my SSN to sign up, I asked him, if this is a credit card application. He replied Yes. So, I asked him that I would like to opt out. He said, he has pulled out the application and my credit is not affected. 
I checked my experian account and a credit inquiry had already been posted. 

Date : XX/XX/2019 XXXX AM PST I called Experian to dispute the enquiry and the redirected me to talk to MACYs only. 

Date : XX/XX/2019 XXXX AM PST I called XXXX asking them to withdraw the enquiry and the associate on call, told me that XXXX will not do anything to withdraw the enquiry. I even told them, if they can get the checkout associate on conference call, I can get a confirmation on the series of events to which they said, they won't do that either.Also, I asked them if there's an email Id in XXXX to which I can write for my grievance redressal, to which they said, " Only verbal confirmation can be provided ''

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 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XX/XX/19 XX/XX/19 {$500.00} I deposited a international check on the XXXX of XXXX. Was told that it would be in my account on XX/XX/2019 because it was in the collection procees. I called PNC in XXXX, alabama and talked to a teller named XXXX. She was very rude and unprofessional, when I asked if I could speak to the Branch Manager she told me she wasnt in today and that she wouldnt know. I told her that if she was barring me from speaking to somebody of authority than " this wouldnt work in her favor '' she then proceeds to say that Im threating her and that she would hang up. I then tell her that I have this converstaion recorded and if she lies on me I will try to get her fired for false accusation. She then changes her tone and denies that what she ment. She asked me who did I speak with and I tell her to " hold on and let me get the recording '' -- - it takes time to retrieve the recording because I have alot of them saved, while im searching, she starts to act like I wasnt on the phone and ask " are you still there '' I chime in and tell her to 'hold on and that you know I'm trying to locate this recording, so you can see that this is a ongoing situation and that I've already talked to a branch manager and she specifically told me the money would be in my account on the XXXX. She then claims Im yelling at her and she hangs up. I also want to note that on XX/XX/19 XXXX had hung up in my face but I decided not to report it due to reciver problems with my phone. I have the conversation recorded. I called PNC corporate but theu dont have a complaints department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I applied for and received a Barclays Bank issued XXXX Mastercard on XX/XX/XXXX. Upon approval, I was immediately handed a Credit Card Cardmember Account Summary Initial Disclosure with my name, address, Authorized Initial Purchase Amount and Interest Rate clearly defined as 16.99 % with a 0 % on XXXX purchases for the 1st 6 billing cycles. After that APR would be 16.99 % and would vary with the market based on Prime Rate. This agreement was printed off the Barclaycardus.com/apply/Application.action with time stamp of XXXX XXXX. When the agreement with full Terms and Conditions arrived with my XXXX Mastercard, APR was 6 % higher then the interest rate on the Initial Disclosure and now my 1st monthly statement has interest rate listed at 22.24 %. I have written and faxed all paperwork to Barclays requesting an explanation on the change in interest rate as well as requesting APR returned to the original 16.99 % as stated in Initial Disclosure. On XX/XX/XXXX, Barlcays responded with a letter stating they were currently unable to complete my request. No explanation as to why.

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 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Mother informed today XX/XX/2019 that the company PDM located in Florida called her regarding a debt for me. This company has previously called leaving messages sometimes or just calling with no message as to who they are and the matter. 

I called the company today to inform them to stop the calls to me and my mother and I would only like mail correspondence. The rep, XXXX XXXX, said okay and gave the explanation of how it would effect my credit which is fine and I told him I understand and to mail the statement. He continued to go on about taking care of it now and I told him AGAIN to mail it to which he responded " That's stupid I don't understand how that makes any sense, good luck. '' I don't care what he thinks but professionally that is not how you speak to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: HCFS Healthcare Financial Services of TeamHealth
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX is currently reporting two collection account to my credit bureau. After contacting XXXX, I was told that the debt does not belong to me but, rather my XXXX  sister. Being XXXX, we do share the same birthdate. According to the rep from XXXX, the error will not be corrected until my sister pays the debt. I have disputed the debt with all three bureaus but XXXX will not correct my credit bureau report and remove collection accounts. XXXX has also stated that they can not send me supporting information since the account is not mine.

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 2019-02-04 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-02-04 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: NC

Complaint narrative:
I have called and disputed these accounts. I have emailed the CEO to have his team look into it and start a dispute. I have even sent in documentation showing that an old Mortgage account should have no late payments. The company responds by saying they can not read the document clearly or that I have already disputed this information and unless I have newer documentation, they can not reinvestigate.

1. XXXX XXXX FKA XXXX - is NOT my account and needs to be deleted. 
2. XXXX XXXX is showing 2 late payments - this account was never late. 
3. XXXX XXXX XXXX XXXX XXXX is showing late payment ( s ) - this account was never late.

4. XXXX XXXX XXXX has several late payments. I have sent them proof that this account should have no late payments and they refuse to remove them saying they can not read the document. 
5. XXXX XXXX  XXXX shows late payment ( s ) - I have never paid this account late. 
6. XXXX XXXX XXXX This is not my account and needs to be deleted.

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 2019-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Accounts Management Services
State: IL

Complaint narrative:
On XX/XX/XXXX.. I received an alert from the major credit bureau alerting me that a collection account was added to my credit file. Which resulting my FICO score to drop. I looked at my report it was AAMS who added an old debt from XXXX XXXX  XXXX. 
XXXX XXXX  XXXX had placed a {$460.00} medical debt on all 3 majors credit bureau since XX/XX/XXXX. The account fell off on all my my report late XX/XX/XXXX. I was very surprise that the account was sold to AAMS who never notified me of this old account they acquired from XXXX XXXX XXXX. I have 2 medical account with AAMS which I have been paying for more than 4 years {$50.00} every months. On XX/XX/XXXX at XXXX XXXX  I received a call from XXXX at AAMS who told me over the phone that a letter they mailed to me came back with an address change. I told him yes, indeed I moved. I gave XXXX my new address. XXXX never discussed of this old account that AAMS purchased with XXXX XXXX  XXXX. As a matter of fact, he confirmed that I only had 2 accounts with them {$310.00}. and a {$2300.00} account as of XX/XX/XXXX. he never mentioned of this old account they purchased in XX/XX/XXXX. I never received any letter of this old debt {$460.00} for medical visit I did at XXXX in XXXX. I had to pay this debt right away because of the house closing i have in 2 weeks. I felt violated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-02-04 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ADVANCED DEBT COLLECTION, INC.
State: IN

Complaint narrative:
Hi My Name Is XXXX XXXX, I need help with a very serious situation. 
My situation : I had rented a home 10+ years ago. The man I rented the home from was a slum lord and we moved out of the home 2 months earlier because he refused to fix things at the home and said it was my responsibility! 
They sent it over to a collection agency by the Name of Advance Debt Collectior locates here in XXXX Indiana theyre phone number is XXXX ) XXXX-XXXX- act # XXXX They have been harassing me and my daughter that lived with me on our lease at that residence my daughter lives in California they are harassing her and also trying to garnish her wages. I myself am XXXX Im on XXXX. However I receive at least 5 calls from them every day saying now my debt has went up. I originally owed them XXXX XXXX dollars Ive paid them off all but XXXX dollars I paid because they were scaring me over the threats. Please help me. XXXX Thank You So Much in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I wrote a verification letter to IC Systems in XX/XX/2018 and did not receive a response from them at all. I filed a dispute with XXXX XXXX as the account is not mine. I explained to them that I wrote a verification letter to IC Systems with no response from IC Systems. On multiple occasions without sending proof of verification, they ( XXXX ) claimed the account is verified accurate.

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 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Both Equifax and XXXX  are reporting a bankruptcy on my credit report. I have contacted them numerous times requesting that they remove this derogatory information on my credit to no avail. 

This is correct that was not pulled correct and neither bureaus want to correct their mistake and have it resolved. This happened over 10 years in Illinois and does not need to be on my report. But because of the laziness of these bureaus, they do not want to do their work. The date in question was in XX/XX/2008, yet they are still not removing the derogatory from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I got a title loan from XXXX aka ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX  {$1200.00} ( including {$33.00} Lien Filing Fee ). On XX/XX/XXXX I paid back the {$1200.00} principal plus {$90.00} on the XXXX  app which I believed was more than enough to cover the interest on a 6 day loan for less than {$1300.00}. After my payment is said I still owed {$220.00} due by XX/XX/XXXX. That would be a total of {$310.00} interest on a loan for less than {$1300.00}. That is more than 24 % interest for a 6 day loan on {$1200.00}. Is this legal? If not, how do I get what is fair paid back to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/19, I submitted two gift cards sales to XXXX, which advertises that payments are turned around in 1-3 business days. It's now been close to a month and all effort to reach said company have been fruitless. The amount of each transaction is {$15.00} and {$38.00}. I have called numerous times, left voicemails that go unreturned, and sent emails that are never answered. For business practices like these, they deserve to go out of business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Home Depot credit card/CITIBANK They reported me late on my credit report ( all three ) XX/XX/XXXX I called them and disputed it and with the bureaus. I have spoke with several different agents at Citibank since XX/XX/XXXX.I always get different stories. one person said I was late 9 days, another said I was late XX/XX/XXXX days, and they said XX/XX/XXXX. It was reporting XX/XX/XXXX on all three bureaus until recently. Now all the sudden they removed XX/XX/XXXX on the XXXX  report and put XX/XX/XXXX! I talked to another lady forgot name I can look for it said she would do a nine day investigation and I had to call her back as she did not return the call to me with info by the date she stated. Furthermore here is the truth 1 ) I was moving and lost My monthly statement. I called in and got a offshore agent .I took my time as there is a language barrier and said what is my payment lost statement. She gave me my amount I paid it and went on with my day. I filled out an application for a rental as I sold my house and needed to rent. the fico score was low. S o I checked the report and saw Citibank reported me 30 days late. I then started my dispute. I paid what I was asked. They are always changing their story. Please investigate they are putting false info on my report and now changing the months .I almost feel like they are harassing me or some sort of retaliation. 
They have cost me money as I had to pay hefty deposit to get in the rental because of there inaccuracy.

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 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PAY-O-MATIC
State: NY

Complaint narrative:
Pay O Matic cashed a check that was payable to XXXX XXXX. Pay O Matic alleges the maker of the check put a stop payment to the check. I have requested tangible proof from Pay O Matic but I keep receiving threatning phone calls from an employee name XXXX. I have received an average of six phone calls a day and also various voicemail messages from this employee. He claims he will sue me for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I obtained a loan from XXXX to move my loans from Navient to XXXX as I have had horrible customer service with Navient and they have been very shady. I calculated the interest on 10 days ( the amount of time it would take XXXX to pay off the loan ) and gave that value to XXXX. I have a screenshot showing where XXXX paid all of my loans in full. Navient is saying that the third loan which was for {$5000.00} in 2014 is unpaid and is trying to solicit payments from me. They are trying to get {$10000.00} for a {$5000.00} loan. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has said that they have informed all credit report agencies to delete account and negative remarks, this account is still showing as open.

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 2019-02-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
The original borrower is deceased and the company is not releasing any information to the heirs to finalize the process. 
The heirs completed are interested in keeping the property but the services on the account XXXX would not release any information regarding the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My information was breached and leaked out to the public and someone is trying to apply for credit and placed lots of inquiries on my credit report XXXX stated to me that they have never received my information when it was received by mail and tracked that XXXX received my information and lost it I have been in a emotionally distressed state and I seek to file a lawsuit if this situation is not resolved I request all 3 credit companies update my information and make corrections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Eagle Accounts Group, Inc.
State: FL

Complaint narrative:
I have 2 closed accounts one being child support stating I owe over {$5500.00} but says I've made zero payments.. I got all the receipts or records of my payments of what the state has asked for online on the dcf website.. I'm also scared they are gon na take my returns I worked so hard for away again for the 2nd year In a row.

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