vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
-Applied for the Double Cash Rewards credit card from Citibank on XX/XX/XXXX.

-I had my credit frozen so I had to speak with a Citibank representative after unfreezing my XX/XX/XXXX credit report.

-I received my card on XX/XX/XXXX. I quickly activated my card via the Citibank website and verified my identity using a text message code sent to my mobile phone. 
-I tried to activate my card for XXXX that same day, but I was asked by Citibank ( through XXXX XX/XX/XXXX ) to call for verification. I did not call that night due to how late it was. 
-I called today, XX/XX/XXXX and spoke with a representative who after taking several identifying bits of information, told me that unless I had a landline they could use to confirm my identity they would have to send a letter to my address to verify who I was. The representative assured me that this would only be for XXXX XXXX. After speaking with the representative, I checked my Citibank mobile app and was greeted with a message that directed me to contact Citibank Customer Support ( after just hanging up with them ). I called back and spoke with a different representative ( who asked me the same identifying questions ) and he told me that message was solely meant for XXXX XXXX and that I would be able to use my card normally for in-person and online purchases. 
-I tried to use my card at a restaurant twice and both transactions were declined. Upon calling Citibank customer support back, I was informed that ALL card transactions would be blocked until I verified my account via the verification letter. Even though I had only had my account less than two weeks and activated the card through all necessary steps I was still somehow flagged for this archaic security process. I wanted to share my experience so that others would know what to expect from Citibank.

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 2018-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: TN

Complaint narrative:
Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from LENDINGCLUB showing a charge off of {$0.00} from 2011 with $ XXXX monthly payments. I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with LENDINGCLUB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LENDINGCLUB provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LENDINGCLUB   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have been a customer for 4 years now with Chase, on XX/XX/XXXX they charge me a {$75.00} Legal Processing Fee, that made my account balance go negative, then they kept charging me fees because my account went negative. When I called Chase, they told me they would have to transfer me to their legal expert and I was kept on hold for extended periods of time until they eventually hung up on me. They are also not allowing me to close the account either. 

XXXX XXXX - was the manager who is made the decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Citi Management Group, LLC
State: CO

Complaint narrative:
On XX/XX/2018 I received an email from someone claiming to be the General Manager of Citi Management Group , LLC. This person did not provide their name. This email claimed that a balance of {$550.00} [ sic ] is delinquent and had been given to them for recovery. They identified the original lender as XXXX XXXX XXXX, which is an organization with which I have never done business. 

In response, I replied to the email to notify them that I was disputing the debt and to provide a cease and desist order.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
cra violation 60 day now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX responded to my complaint XXXX saying they would send a new gift card and also credit {$25.00} to 'your card '. I have not seen a replacement card or a credit to any of my cards.

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 2018-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One account is a business account, but the account shows up on my personal credit report. I asked over the phone to delete the account from my personal credit. They agreed that this should not be on the personal credit report and said they would change it, but they never did for about six months. I only provided the company ID, but somehow they have reported to credit bureaus using my personal SSN. It is Capital One 's fault that this account is reported to credit bureaus as a personal account. 

Capital One account # : XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX, President

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: NC

Complaint narrative:
Experian has continually reported a false chapter XXXX bankruptcy on my credit report that ALL their agents have acknowledge the bankruptcy being reported is under a DIFFERENT name! Experian will not remove the listing even though it's under someone else name due to they keep saying " their '' source verified the information? Experian will not provide me with the name of the source to dispute this directly with them. Under Federal law, any INACCURATE OR INCOMPLETE information must be deleted. How can a company verify information under a different than mine? Easy answer, they are not verifying anything! Over 30 days ago I submitted a written request for Experian to provide me with physical evidence of this chapter XXXX bankruptcy, as XX/XX/2018 they have not. Approximately on or about XX/XX/2018 I called Experian with the Federal Bankruptcy court on the line, Experian reps realize that a officer from the courts was on the line and stated they could not discuss that issue further and stated they would need to end the call if the court ( who they claim is reporting this ) did not disconnect. Experian is a fraud, the CFPB is supposed to protect Americans from these types of companies. They are ruining my life and has caused my great financial harm! I have been fighting with this company for over a year! CFPB, what are you going to do! Experian is breaking every Federal credit reporting law on the books! I am prepared to use every legal recourse available to me to fight this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: TX

Complaint narrative:
On XX/XX/2017 I sent a certified letter to Experian and XXXX   asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the XXXX XXXX XXXX I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: Rosebud Economic Development Corporation
State: KY

Complaint narrative:
I am enrolled in a credit monitoring program and I received an alert stating that on XX/XX/17, a company called Rosebud Lending performed a hard credit inquiry. I never authorized this company to do a credit check. 
I contacted them several times and initially, they denied performing a hard inquiry saying that they only performed a soft pull. I sent them proof and then they said that I gave permission which I did not. 
They refuse to remove the hard inquiry.

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 2018-02-08 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2017 I sent a certified letter to XXXX and XXXX asking for the information used to Validate the following debuts : PHOENIX FINANCIAL SERVICES. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: TX

Complaint narrative:
On XX/XX/2017 I sent a certified letter to Experian and Equifax asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC XXXX letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from Navient Solutions that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with Navient Solution Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Navient Solution provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Navient Solution Cease and Desist all further communications and collection actives and provide the verification of the purported debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..

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 2018-02-08 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: TN

Complaint narrative:
Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: TN

Complaint narrative:
Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX XXXX to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..

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