vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I Made a purchase with my citi bank expedia card. I made the Purchase on XX/XX/XXXX and was suppose to recive my order within a week. I did not receive my order or tracking and when I try to visit the website I ordered from I cant find it anymore. they never sent me an email confirmation of my order, receipt or tracking. it has now been over a month. Citi just resolved in favor of the merchant and still I cant be provided with a tracking number for my order or has the merchant tried to reach me. 

amount {$1000.00} citi case id Case ID : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
they have been raising my payments and when I call to speak with them they are very rude and get upset because I speak XXXX. I called you all and told you about my complaint and I have my daughter checking for the report number but it say I don't have a complaint number can you please call me XXXX XXXX  speaking please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On the weekend of XX/XX/18 I overdrew my checking account and during that weekend I made 2 cash deposits to rectify the situation. I called my bank and talked with customer service to see if they could help me refund a couple of the overdrafts. He said he was unable to do a courtesy refund because this had already been done prior. I said fine but didn't want to keep falling behind. I stated that I had a direct deposit going in the next day and he told me I would be fine and would accure any more fees. The next morning I had 3 additional overdrafts. I called customer service and asked to speak with a manager and was told none were available. I called back at the same number and was able to speak to a so called manager who was not able to help either. I am very upset due to the fact that I owned up to my mistake and tried to make it right and was told no fees would be added.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEAR ON MY EQUIFAX CREDIT REPORT. 

FTC ID THEFT REPORT # XXXX XXXX REPORT # XXXX ( HPD )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has continued to take {$270.00} from my XXXX XXXX XXXX XXXX account for 3 months after closing the account. Every time they assure me it will not happen again. I have talked to several supervisor and personnel over the last 3 months without resolve. The are unable to even see the draft even after providing them with the item number. They have dropped the ball multiple times in the last 3 months and have made no attempt to rectify the issue. Their last attempt was to charge an additional {$270.00} to my credit card on top of the {$270.00} that they had already drafted from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I recently received a wage garnishment from Union Bank through a default judgment. There are three issues with this action taken by Union Bank which causes the filing of this complaint ; 1 ) The debt was NOT mine, this can be proven by the fact I was removed from the auto purchase by Union Bank due to my excessive debt at the time and most important this fact is proven in U.S. Bankruptcy Court filings and credit reports before and after the default judgment in 2010. All Union Bank loan statements reflect only my ex-wife 's name. 
2 ) The debt was " charged-off as bad debt, profit and loss write off '' ... this is reflected prior to the default judgment and reflected in credit reports I possess ... and most important THIS IS TAX FRAUD.

3 ) Union Bank knowingly filed documents in Superior Court to obtain the default judgment and directed other entities to garnish my wages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I never received a statement for payments due on XX/XX/XXXX and XX/XX/XXXX. I was only made aware a payment was due when I received a phone call that I was past due on XX/XX/XXXX8. I immediately went on Kohls website and made that payment. While on the website I saw that they did not have a correct email address listed for me. I updated the email address immediately as well. I sent them a message notifying them that the statement had not been received. I requested that they not report this account as delinquent to the credit bureaus since I did not receive a statement. In their response they did not even acknowledge my credit bureau request. So I had to send an additional message to ask my question again. They still reported my account delinquent to the credit bureaus even though the reason my account was late was because they did not send me a paper statement or an emailed statement to an accurate email address. This delinquency was reported on my own credit report and also the authorized users credit report. If a statement had been sent to me I would have made the payment on time. I had adequate funds available to me to do so. Since the statement was not sent to me, please update the payment history for this account with the credit bureaus.

Attached Documents : Bank Statments forXX/XX/XXXX through XX/XX/XXXX.pdf -- Our personal bank statements showing that we had adequate funds to pay this bill had a statement been sent to us on time.

kohls email address update.pdf -- email showing confirmation that I updated the email address as soon as I was aware.

Kohls communication1 & 2 .pdf -- both communications I had with Kohls to address this issue. You can see how my first credit bureau question was ignored, requiring me to request again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Leading Edge Recovery Solutions, LLC
State: OH

Complaint narrative:
Received a call from this number on XX/XX/XXXX. No voicemail left. Received another call today ( XX/XX/XXXX ). " XXXX XXXX '' left voicemail asking me to call him back. Did not mention a debt or identify himself as a debt collector. I have saved this voicemail and will provide it on request. Googled number to find it belongs to Leading Edge Recovery Solutions. I do not owe any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX has reported to my credit an outstanding debt of XXXX dollars, this is not a debt i owe nor do i have any contracts with this entity stating i owe or agreed to pay, the entity now has reported negatively to my credit which they have no legal right to do. it was last reported to my credit on XX/XX/2018 and has also had my federal tax refund offset by XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: MN

Complaint narrative:
I made an additional CFPB complaint # XXXX on XX/XX/XXXXagainst Creditors Bureau Associates and Creditors Bureau Associates responded to my compliant onXX/XX/XXXX and  here is there response Company 's response Creditors Bureau Associates denies all of the allegations that you've raised in this complaint, however, due to third party disclosure prohibitions from the FDCPA and our obligation as a medical collection agency to follow HIPPA laws, we have decided to close your account and return it to the original creditor. Should you have further questions or concerns, please contact their office directly. 


Creditors Bureau Associate partial responded to my request from my previous CFPB compliant to close the account but did not address my other request to remove and delete the negative information from all three of my credit reports. Creditors Bureau Associates has failed to verify the information I requested and that is a complete violation of the FCRA section 609 and the FDPA. I need Creditors Bureau Associates to remove the negative credit item from all three of my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
FRAUDULENT DEBT ADDED TO MY CREDIT REPORT BY " XXXX XXXX '' FOR THE AMOUNT OF {$490.00}. " XXXX XXXX '' HAS NEVER ATTEMPTED TO CONTACT ME BY PHONE, E-MAIL OR MAIL BEFORE. 
NO CONTACT INFO HAS BEEN PROVIDED OR AVAILABLE ONLINE. THE ONLY NUMBER I FOUND THRU SEARCHING IS ( XXXX ) XXXX, RECORDED MESSAGE SAYS NUMBER HAS BEEN DISCONNECTED. 
I HAVE STARTED A DISPUTE WITH XXXX   AND XXXX, WILL BE CONTACTING XXXX SOON. 
THIS FRAUDULENT DEBT COLLECTION IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. I WILL BE OPENING A COMPLAINT AGAINST " XXXX XXXX '' WITH THE STATE ATTORNEY GENERAL OF CALIFORNIA AND COLORADO, WHERE THIS COMPANY SEEMS TO BE BASED OUT OF, AND THE FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine. 
On XX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. 

On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. 

On XX/XX/XXXX I sent another dispute letter to XXXX XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX   XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I have debts reporting from Medical Data systems reporting on my credit reports that are inaccurate, and I need them removed. A debt for {$4200.00} acct # XXXX {$160.00} acct # XXXX {$220.00} acct # XXXX and {$600.00} acct # XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



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 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have several accounts listed on my credit report that are not mine. I have contacted all 3 credit berueas and ask them to provide physical proof of the debt owed and none of them adhered to my request. I also contacted the direct companies alleging I owed the balance and they also could not verify that I was the person insued to this debt. Many have even admitted it was a mistake. I need help to remove the following items off of my credit report.

XXXX : ( XXXX  ) -XXXX  XXXX XXXX.XXXX XXXX XXXX XXXX XXXX , Amount owed - {$150.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX   Amount Owe- {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX, FL XXXX  XXXX  Amount Owed - {$760.00} Acct # XXXX  XXXX : ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl Amount Owed. - {$600.00} ACC # XXXX  ( XXXX ) -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX - Amount Owed - {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il Amount Owed - {$440.00} ACC # XXXX  Transunion : XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX  , XXXX Amount Owed XXXX ACC # XXXX  ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX  XXXX Amount Owe- {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Amount Owed - {$760.00} Acct # XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Acct # XXXX  Amt. Owe {$190.00} ( XXXX  ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN Balance : {$190.00} Acct.

( XXXX ) -XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc. # XXXX Amt. {$1300.00} ( XXXX ) XXXX XXXX XXXX  ACCT. # XXXX Amt. {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL Amt. Owed - {$1700.00} Acct. # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MN XXXX Amt. {$1000.00} Acct. # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: PA

Complaint narrative:
The state tax lien that is being reported on my credit report was satisfied and paid in full on XX/XX/XXXX. The tax lien was filed on XX/XX/XXXX. The tax lien was reported to the CRA 's, by a third party vendor, in XX/XX/XXXX. The tax lien DID NOT include a full social security number and did not contact my DOB. The document does not meet the required information to be included on my credit report. One CRA has removed it after confirming required information was missing. The other two are NOT cooperating and will not confirm if the required information was included. I spoke with two supervisor 's - one at each entity - both confirmed that in order to include the lien on my report, 3 of the 4 pieces of personal information are necessary. Neither would tell me if my file included that information. Please understand that I personally went to the county courthouse as a " third party '' and requested a copy of my tax lien. I received exactly what XXXX ( third party vendor ) would receive to report to the CRA 's. THE DOCUMENT DOES NOT INCLUDE THE MINIMUM REQUIRED INFORMATION. Therefore, the lien should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian, XXXX, XXXX, and XXXX XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX or XXXX XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX    XXXX veteran  very difficult.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc
State: CA

Complaint narrative:
Eastepoint Recovery Group , Inc. from XXXX, NY have been repeatedly calling me and leaving voicemails at work when Im unable to answer. Theyve called about twice a week for the last 5 weeks or so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX, XXXX, XXXX, and Capital One have refused to remove these credit inquiries from my reports. I did not apply for credit with Capital One as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX XXXX veteran  very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
According to section 202.12 of the " Equal Credit Opportunity Act '' creditors must retain applications for 25 months for consumers The clock on retention begins on the date that a creditor notifies an applicant of action taken on an application or of incompleteness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX, Transunion, XXXX, and XXXX XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX or XXXX XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX    XXXX veteran  very difficult.

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