vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: FL

Complaint narrative:
Us Bank Repo my car XX/XX/XXXX sent me a letter stating i had until XX/XX/XXXX to Reclaim the car they towed it to XXXX XXXX with my Personal Items inside I was then sent a letter from the place that had my car I went on XX/XX/XXXX to Reclaim the car but the car wasn't there but my Personal Belongings were I ask where the car was she told me she had no idea I contacted Us Bank coming to find out from them no letter or anything that they Sold the car on XX/XX/XXXX which they were in the wrong for Saleing the car because pertaining to the letter they sent me I had until XX/XX/XXXX to Reclaim the car but they never gave me a chance so on my Credit Reports they have Remarks but the account is Closed

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 2019-09-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number XXXX Fed Student Loan Account 150,000+ XX/XX/2019 and XX/XX/2019 show as 90 days and 120 days delinquent, respectively. I was not delinquent because I was working with them to get a new Income Driven Repayment plan, at their instruction. I spoke with a representative on XX/XX/2019 at approximately XXXX who said that she understood that there had been a mix up and that they would make sure that everything was cleared on my account and that I would be able to continue working towards a resolution for my Income Driven Repayment options. I was unaware of the incorrect reporting of 90 and 120 days until I checked my credit after I was told that XXXX  had a breach and my information/SSN was a part of that breach.

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 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: NY

Complaint narrative:
I signed up for {$200.00} promotion with direct deposit. I completed the requirements and told I would get the bonus shortly even though it had passed the stated timeframe to pay. I still have not received the bonus.

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 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX I asked Caliber Home Loans for a loan modification. They Approved the modification but never notified me of the approval. Once I learned of the approval I began paying the lesser amount. 
Now there is a delinquent mark on my credit report saying I was 60 days past due. This company is terrible. I never asked them to be my servicer. I never entered into any agreement with them and they are rude and disrespectful during all phone calls. 

The company does not communicate within their own divisions. The active agreement/loan modification should not be recorded as a credit delinquency. 

I recently learned that the Massachusetts Attorney General sued caliber home loans over predatory loan modifications. This is exactly what happened to me. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX a paypal collections agency attempted to ACH my XXXX XXXX account for {$260.00} 3 times without my permission. today, XX/XX/XXXX a paypal collections rep calls me from XXXX making threats against me. He told me that paypal was going to ACH my XXXX XXXX XXXX account. 

These actions are illegal violating the Federal Trade Commission Act. Please investigate? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, Golden 1 Credit Union started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to Golden 1 Credit Union, XXXX, and XXXX. XXXX has closed my dispute 3 times and I have had to reopen it every time. XXXX has always sided with Golden 1 Credit Union even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XX/XX/XXXX and explaining that no payment has been returned from any truck payment. Golden 1 Credit Union failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 Golden 1 Credit Union finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information. 
I have been harassed, ridiculed and have had this business destroy my credit without just cause.

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 2019-09-04 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: GA

Complaint narrative:
As a result to a data breach at my realtors office my personal identity was compromised and misused to apply for and open up accounts without my knowledge or consent. i have taken the steps and precautions to protect myself from any further activity and damage of my personal credit file. i have a police investigation in progress locks for my credit monitoring sites that give me on time alerts and i have an identity theft report.

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 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: MI

Complaint narrative:
XXXX apparently sent me to collections, however I have never ONCE received any info about this debt and or being sent to collections. If I would of know. I would of settled to hopefully join my house and car. LACK OF COMMUNICATION. Only to find out I AM in COLLECTIONS

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 2019-09-04 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: CA

Complaint narrative:
On XX/XX/2019, I submitted a price match through Citibanks Price Rewind program for the XXXX XXXX XXXX cellular phone purchased on XXXX XXXX   website ( XXXX  ) using my Citibank credit card. The price was listed at {$890.00} as reflected in my invoice. I also participated in XXXX Trade In Phone Program that will provide up to {$200.00} in credits if they decide to accept the trade in after receiving the old phone. The total purchase price with the trade in is {$770.00} ( including taxes ).

I have a temporary {$200.00} credit until the manufacturer makes a determination on the phone ( assess condition, operability, backlisted etc. ). I then proceeded to submit a price match request using a lower amount I found on XXXX ( XXXX ) for {$630.00}. The total price difference is {$890.00} XXXX is {$260.00}. Per Citibanks terms and conditions : Maximum Benefit per item The lesser of the following : {$200.00} The amount charged to the Citi card I understand that the maximum benefit I would receive is {$200.00}. However, on XX/XX/2019, I received notification that I would be reimbursed for only {$60.00} instead of {$200.00}. Citibank instead factored in my trade in price instead of the full amount. The terms and conditions do not indicate a price match of an after-trade in price to a competitors price. On the same day I received this notice, I called Citibank to resolve this issue by asking where in their terms it indicated an after trade in price will be factored in the price match? They were unable to locate such terms ( https : //www.citipricerewind.com/guide ). After being put on hold for extended periods of time, the Citibank Rewards Program representative finally responded by refusing to honor the terms of their price match program.

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 2019-09-04 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , WV XXXX, XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX , XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MS

Complaint narrative:
XXXX XXXX XXXX were explains why I has to return their portable due to XXXX and was not working anymore. I voluntary turn the building in to them.They got me owing {$510.00}  on XX/XX/2017. They continued running this on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: CA

Complaint narrative:
On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, XXXX XXXX XXXX XXXX started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to XXXX XXXX XXXX XXXX, XXXX, and XXXX. XXXX has closed my dispute 3 times and I have had to reopen it every time. XXXX has always sided with XXXX XXXX XXXX XXXX even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XXXX and explaining that no payment has been returned from any truck payment. XXXX XXXX XXXX XXXX failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 XXXX XXXX XXXX XXXX finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information. 
I have been harassed, ridiculed and have had this business destroy my credit without just cause.

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 2019-09-04 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: CA

Complaint narrative:
On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, XXXX XXXX XXXX XXXX started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to XXXX XXXX XXXX XXXX, XXXX, and Experian. Experian has closed my dispute 3 times and I have had to reopen it every time. Experian has always sided with XXXX XXXX XXXX XXXX even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XXXX and explaining that no payment has been returned from any truck payment. XXXX XXXX XXXX XXXX failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 XXXX XXXX XXXX XXXX finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information. 
I have been harassed, ridiculed and have had this business destroy my credit without just cause.

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 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I have medical debt paid off by my insurance XXXX and XXXX and believe the debt is paid and these collectors have switch names two times on me in the past 4 years. XXXX XXXX XXXX XXXX XXXX and Finanical credit net. I do not owe any debt. Thank you. This is predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2019 Equifax, XXXX, XXXX all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX XXXX.action with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received a check in the mail from Department Stores National Bank ( DSNB ) issued by Citibank for {$130.00} dated XX/XX/19. It has Macy 's logo and address of XXXX XXXX   XXXX, XXXX XXXX, SD XXXX in the upper left hand corner and refers to a 4-digit " Account ending in '' Macy 's account number that I had to close years ago ( stolen wallet ). The letter states " Action Required! '' and " Discovered that a credit is due on your account. Attached is the check for the amount of that credit ''. The check is not watermarked. 

I see that there was a settlement between DSNB, Citibank and Macy 's but I don't know how to tell if this check is a legitimate payout from the settlement or a scam. There's a reference number ( # XXXX ) on it but not sure what it means. There's a phone number on the check XXXX but I thought I should call Macy 's. Macy 's   said they knew nothing about it. I looked up the number on XXXX and it appears to be Citibank 's but I just don't trust anything on the Internet in regards to these things because I have seen quite elaborate schemes. 

Anyway, I hope you can help me in determining if this check is legitimate. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
OnXX/XX/19, I made a request by telephone and email to have the account closed with a XXXX balance. Since ABC Financial refuse to closed the account and trying to aces my personal account without my authorization. The account was submitted to XXXX XXXX is not the current account the company has on file. The contract that was submitted via XXXX XXXX should be a month to month registration and should be able to cancel at any time. ABC Financial has committed fraudulent on my account. 


On XX/XX/19, I made a request by telephone and email to have the account closed with a XXXX balance. Since ABC Financial refuse to closed the account and trying to aces my personal account without my authorization. The account was submitted to XXXX XXXX is not the current account the company has on file. The contract that was submitted via XXXX XXXX should be a month to month registration and should be able to cancel at any time. ABC Financial has committed fraudulent on my account and a violations of the Health Club Services Act, the Consumer Fraud Act, the Retail Installment Sales Act, and the Truth-in-Consumer Contract, Warranty and Notice Act Customer Information : Agreement # : XXXX Account Pay Mode : XXXX Amount Due : Total : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have inaccurate reporting of late payment on the three CRA. The FCRA states that erroneous information should be deleted if source can not be validated by the CRA. 
The late payment reported on my mortgage with XXXX is inaccurate because it is different for the month of XXXX, XXXX and XX/XX/2018. I was reported as 30 days  late on XXXX and 60 days late for the same month on other CRA. I want these late payments deleted due to inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
fair collections and outsourcing reported a fraudulent account on my credit reports with all 3 credit bureaus. they have continuosly harrased me for about 6 weeks calling leavinf  voicemails and numerous calls throughout the day about this debt supposedly owed to apartment complex XXXX XXXX XXXX. I was in no lease the lease was up and I decided to move because the new rent charges were aittle too t expensive and I couId n't afford to pay XXXX for a new lease. I have provided them with accurate and supporting documentation to support this debt that is not owed. I have provided them with the notice to vacate the premisis and they failed to provide this documentation to the apartment complex and said it was my debt and I need to pay it. Mr. XXXX XXXX was handling this case and have and still harrases me on a daily basis.

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 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2019 XXXX, Transunion, XXXX all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX XXXX.action with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.

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 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2019 XXXX, XXXX, Experian all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX   XXXXXXXX with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.

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 2019-09-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I AM HAVING ISSUE WITH MULTIPLES OF NAME VARIATIONS APPEARING ON MY FILE.

Company response to consumer: Closed with non-monetary relief