vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Coastline Financial Resources, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, an individual called my employer and spoke to a colleague about a " pending lawsuit against me '' and they needed to " reroute legal papers that were being served to me. '' After the first instance, I told them to not contact my employer again. They contacted my employer a second time, where I again stated that were to not contact me at my place of employment. The person who left the message was named " XXXX XXXX. '' I spoke to someone called " XXXX XXXX, '' who then sent " legal documents '' to my email address. It is a debt collection notice for a debt that I do not owe. It is from XXXX and is not on my credit report. The original creditor had sold the debt years ago. This company, going by " XXXX and XXXX, '' is also known as XXXX XXXX XXXX and XXXX XXXXl XXXX/XXXX XXXX XXXX. They have three different addresses and numerous telephone numbers. I attempted to reach out to one of them and it was answered by a law firm called " XXXX XXXX XXXX XXXX. '' The receptionist mentioned she receives numerous phone calls from people trying to contact XXXX XXXX XXXX XXXX. The number for XXXX XXXX   XXXX no longer works. 

Additionally, I have sent out " cease and desist notices '' via email and certified mail to all three companies. I spoke to XXXX XXXX on XX/XX/XXXX, after she called my cell phone, and informed her that it is not my debt and they need to stop contacting me. She again threatened to have me served at my place of employment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: OK

Complaint narrative:
I admit I don't understand ... I am under the impression that there are ( 3 ) three credit reporting agencies. TRANSUNION, XXXX, and XXXX? 

I have received reports from two ( 2 ) of these agencies XXXX   and XXXX BUT not from TRANSUNION. 

Am I wrong in assuming there are 3 agencies? that offer free credit reports once yearly??? 

Why can't I get a report from TRANSUNION? Can you help? 

MAILED TO ME :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 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: TX

Complaint narrative:
I sent three letters to XXXX, Experian and XXXX with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,

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 2019-10-26 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: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/2019 I called CITI Best Buy card to inquire about my ongoing payments on an account I had with them. I have had the account over 2 years. I would use the account for no-interest purchases but I always had {$100.00} a month taken out as an autodraft. This was been done for 2 years. In fact, I know each month when it will be taken out and I can see it on my statement. 

We move from XXXX to XXXX in XX/XX/2019. XXXX XXXX has been my bank account for 10 years. There is not a XXXX XXXX  here, but I placed enough funds to run the rest of the bills through and then call to change accounts. When I called CITI-Best Buy I was told that my account was past due and that I was being reported on my credit. 

They said the XXXX payment was returned NSF and that I had not paid the XX/XX/XXXX payment because of this. I said I never knew it was returned and asked how they had contacted me over this. I showed on my account where it was paid and the account is now closed so I can not view it. 

When I questioned they said even though I get electronic messages, that none had been sent out in regards to this because their system doesn't allow that type of message. I asked about calls. He said he saw once in 60 days a call had been placed to my phone number but it showed " No Contact '' was made. I very much question the truthfulness of that. Then I asked how about mail? I have all of my mail forwarded from my XXXX XXXX XXXX . He said the system shows that it went into my account and " Updated '' my address with a new address that I did NOT authorize and it was INCORRECT. So their computer updated an incorrect address and I was not recieving any physical mail from them either. 

So they could not email me, due to their error not mail me, nor had to contacted me via the same phone number they have had on file for 2 years. But yet I am supposed to know the payment was returned and make a new one from my new bank account. This is absolutely the dumbest thing I have ever heard. 

I told him I wanted the account paid in full and closed on the spot. I told the rep I was reporting them to the CFPB and he chuckled. He said it was their decision to report or not and that the CFPB couldn't reverse anything. I am furious for this action on CITI Best Buy and I believe they should be held fully accountable. 

No consumer should use this company or be subjected to their ways. This is an example of taking total advantage of a customer, lowering their credit score and forcing them to pay higher than normal interest due to their maleficence.

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 2019-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, an individual called my employer and spoke to a colleague about a " pending lawsuit against me '' and they needed to " reroute legal papers that were being served to me. '' After the first instance, I told them to not contact my employer again. They contacted my employer a second time, where I again stated that were to not contact me at my place of employment. The person who left the message was named " XXXX XXXX. '' I spoke to someone called " XXXX XXXX, '' who then sent " legal documents '' to my email address. It is a debt collection notice for a debt that I do not owe. It is from XXXX and is not on my credit report. The original creditor had sold the debt years ago. This company, going by " XXXX XXXX XXXX, '' is also known as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They have three different addresses and numerous telephone numbers. I attempted to reach out to one of them and it was answered by a law firm called " XXXX XXXX XXXX XXXX. '' The receptionist mentioned she receives numerous phone calls from people trying to contact XXXX XXXX XXXX XXXX. The number for XXXX XXXX XXXX no longer works. 

Additionally, I have sent out " cease and desist notices '' via email and certified mail to all three companies. I spoke to XXXX XXXX on XX/XX/XXXX, after she called my cell phone, and informed her that it is not my debt and they need to stop contacting me. She again threatened to have me served at my place of employment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I enrolled in autopay on my account and selected " amount due, '' assuming this would lead to full payment of my statement balance. The option directly below " amount due '' is " minimum amount due, '' which implies the minimum payment required not to encounter a late fee. Unlike XXXX or XXXX, Bank of America has both " Amount Due '' and " Account Balance '' in their drop down, and it's unclear what the difference between the two is. Further, they list " Amount Due '' as the first option, followed by " Minimum Amount Due '' and " Account Balance. '' When I told the rep that this is confusing for customers, she agreed and mentioned that many others call in with my same confusion. Nonetheless, she was only able to waive one out of two interest charges added to my account. BofA should take a lesson from XXXX and XXXX and simplify their autopay dropdox. When a consumer sees " amount due '' and " minimum amount due '' back to back, the latter suggests minimum payment required not to pay a late fee, whereas the former implies FULL payment. It's not intuitive that a user would need to select the THIRD option on the list ( " Account Balance '' ) to pay off their statement, when " Amount Due '' has the same connotation. This is entirely deceptive.

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 2019-10-26 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: AZ

Complaint narrative:
No idea what or why this card is showing up on my report? I do not have a flex spending card??? 

JPMCB CARD XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$400.00} REV {$210.00} MIN {$35.00} {$0.00} XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX/XXXX/XXXX  Late Dates : XXXX/XXXX, XXXX/XXXX FLEXIBLE SPENDING CREDIT CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a statement from Capital One for a charge on XX/XX/2019 that I did not make. This was while we were on vacation for 10 days from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX, XXXX, in the XXXX. The charge was for {$620.00}. It would have been for dinner, and there would have been a signature. I checked this charge to see what it was for. The company, XXXX, run a restaurant XXXX XXXX XXXX, XXXX. We did not eat there. I have another charge for that same night from a restaurant that we did eat at, invoice attached, at XXXX 's XXXX XXXX for {$210.00}. I called the island to see if XXXX had any other restaurants under another name in their company that we may have eaten dinner at, they do not. I called Capital One to contest this fraudulent charge. They looked into it and said it was not fraudulent solely because it was a chip credit card, that was their only reason. I advised them that all the businesses on this island all still collect signatures for their charges, and to please supply the signature for this fraudulent charge. They declined to request the signature and said I would have to pay it. I paid off my Capital One balance, less this charge and cancelled my account of 30 years with Capital One. I feel that this company is very over confident in the anti fraud properties of the " chipped '' credit card they offer and I am being taken advantage of by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Credit Karma ( unwanted marketing, unauthorized credit report monitoring ) : Ive tried unsubscribing from Credit Karma. I personally have never signed up for credit monitoring with this agency ; however, I constantly receive emails for alerts, for alleged collection items, appearing on credit report ( XXXX   was identified ). Emails have link to open to view collection item. I never press link, instead, I delete email to guard against spyware, Trojan, cyber threat. 

Ive sent request to Email provider/the device manufacturer regarding spam abuse, unwanted emails and to block Credit Karma. I still receive unwanted email messaging from Credit Karma. Credit Karma service is unwanted and I have concern my credit report ( s ) is ( are ) subject of unauthorized access from impersonation, unauthorized monitoring. Of importance, Im responsible for selecting a monitoring service at my discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: TX

Complaint narrative:
I sent three letters to Transunion, XXXX and XXXX with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,

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 2019-10-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent three letters to XXXX, XXXX and Equifax with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 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: NY

Complaint narrative:
YOU CONTINUE TO ALLOW XXXX XXXX TO REPORT INACCURATE INFORMATION XXXX AND XXXX DELETE XXXX XXXX FOR VERIFYING INACCURATE INFORMATION YET YOU STILL ALLOW THEM TO DO IT IN MY LAST DISPUTE YOU WERE SENT A LETTER WITH THE DATE THIS ACCOUNT WAS SOLD COPY ENCLOSED YET YOU DON'T CARE XXXX XXXX SOLD THIS ACCOUNT ON XX/XX/2017 WHY ARE YOU LETTING THEM REPORT ME FAIL TO PAY IN XX/XX/2017 1 MONTH AFTER THEY SOLD THE ACCOUNT THEY CLAIM THAT I FAIL TO PAY THEM THAT MONTH IN XX/XX/XXXX HOW MANY MORE TIMES DO THEY HAVE TO REPORT INACCURATE BEFORE YOU DELETE THIS TRADE LINE?

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 2019-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
my wells fargo account was fraudently used in california and i live in florida i filed a dispute with wells fargo and they told me charges were valid this is crazy basically i lost a XXXX $ and they dont seem to care

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 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XXXX, I received an email notification from my credit bureau monitoring service of a negative reported event on my credit report from Citicards. I  immediately logged into my account and paid the late payment, and directly called Citicard. 
I have not knowingly requested paperless statement enrollment for my account. My expectation is to receive a mailed copy of my statement as well as a formal notification if I a payment is overdue. This did not occur on this account. I spoke to a customer service representative named XXXX on XX/XX/XXXX, who explained that my account has been enrolled in paperless statements and may have been done so inadvertently during the transition from XXXX to CITI as the Costco credit provider. 
I did not receive anything in the mail, email, or text notification that my payment was overdue. I called again on XX/XX/XXXX and spoke to a supervisor named XXXX who also confirmed that no notification or call was made to me regarding the overdue notification. This is an error in communication from Citicards system, which is a term of the credit agreement. There is no record of any notification sent to me via email, and I was not made aware until I received a negative reported event from the credit bureau. Please refer back to section 3 of the  enclosed credit card agreement guide. I was not made aware of the late fees, penalties and accumulating interest as stipulated in the credit card agreement guide. This was not communicated in either paperless via email or paper mailing, which is part of my rights as a consumer user of this card. This was verified by XXXX on XX/XX/XXXX who noted that there was no notification record in your system. Sections 3, 5, 7, and 14 were all violated by not communicating the late status as well as not providing an explanation regarding the investigations previously submitted upon the negatively reported item.

I have made several attempts to have this removed and it is a violation of the communication terms stipulated in the credit card agreement guide. It has negatively impacted all three of my credit bureaus reports, and my credit score. In light of the lack of communication regarding my account, please remove this negatively reported item from all three credit bureaus and provide a written copy of the removal mailed to me at the address above ; or I will reserve the right to pursue legal action as well as file a complaint with the Consumer Financial Protection Bureau. 
Thank you for your prompt attention in resolving this item.

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 2019-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I consolidated my loans in XX/XX/XXXX to the Public Service Loan Forgiveness program. I have 2 letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX stating I chose the Income Contingent payment plan - which is the correct plan.Fed Loan is not counting I filed a complaint and had my case " escalated '' and they are still not counting the payments made from XX/XX/XXXX - XX/XX/XXXX. I have documentation of the payments made and a letter stating my payments would start XX/XX/XXXX. 
I received a letter from Fedloan regarding my case and they still refuse to accept those payments. 
I have documentation of all my payments made and correspondence between me and the student loan companies for the past 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Cycle Associates, Inc.
State: GA

Complaint narrative:
My husband was prescribed XXXX XXXX XXXX XXXX XXXX in early XXXX which we purchased through his doctor. We were advised they may not be entirely covered under our insurance and they would let us know during his follow up visit in a month our remaining balance. 

During his follow up visit we were advised we owed {$40.00} total out of pocket and paid with a card at that time. Towards the end of summer XXXX we received a bill from the Doctors parent company   XXXX XXXX for {$240.00} and a threat to send us to collections for nonpayment. I called the Doctors office confused and was advised that this was a billing error on their end. Due to their delay in submitting the claim for the XXXX  it had crossed plan years for our healthcare provider and a change in coverage now meant they were no longer covered at all. Due to this being an error on their end they cancelled the balance and we no longer owed anything. 

Then in XX/XX/XXXX I received a collections notice from XXXX XXXX XXXX stating they had purchased our debt and we owed {$240.00}. I mailed them a hard copy of my email communications with XXXX XXXX which showed this was not a valid debt and included a cease and desist order stating it was illegal to sell the debt. This was mailed return receipt request and a signature confirmed they received it. 

The following month I received another letter stating their intentions to attempt collection. At this point I called and was unable to speak with a person. I finally left a voicemail stating their continued attempts to collect an invalid debt are illegal and that they must cease and desist. I never received any further communication. 

Then on XX/XX/XXXX I received a notice of intent to collect from Revenue Cycle Associates. This means that dispute written and attempted verbal communication, XXXX XXXX XXXX has illegally sold this debt. Im am currently in the process of advising Revenue Cycle Associates to cease and desist in writing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation