vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
A woman called left a message on my voicemail stating that I was being sued. She left a number to call back. I called the number back a male sounding like in his twenties answered he sounded XXXX. He stated that they were going to sue me and pick me up at my home or my job if I didnt give them a credit card to put on file today. I explained I didnt have a credit card, and I just got a job I didnt have any money with me he kept repeating how much dollars do you have I said XXXX dollars. He then was getting very snappy with me I told him thats not good customer service. Your supposed to talk with the customer and try to help them. I told him you are threatening me trying to scare me. He then talked over me said he wasnt threatening me. I then asked if there was a number i could call back when i did get the money to make arrangements he said there wasnt it had to be done today. I said i couldnt do it today. He then got snappy again I asked him the name of the company to see if it was some form of fraud because he didnt sound legit he kept asking for a credit card he said they were called XXXX in XXXX GA. XXXX is the number the lady left me. I then said he was being rude and snappy with me and I asked to speak to a supervisor, he said please hold very smug and put me on hold i waited five minutes then they got back on and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: CA

Complaint narrative:
I received two notices in the U.S. mail from Wilber & Associates, P.C., XXXX XXXX   XXXX, XXXX, IL XXXX. This company states they represent XXXX XXXX company, and are contacting me to pay XXXX XXXX {$1200.00}. They refer to File # : XXXX ; Online Access Key : XXXX ; " Our Client : '' XXXX XXXX ; Client Claim Number:XXXX ; Claim Location : XXXX , CA . 
I immediately called XXXX XXXX. After speaking with XXXX XXXX at XXXX, and three other XXXX employees, who all agreed there was no such claim number and no relationship between XXXX XXXX and Wilber, etc., I spoke with XXXX XXXX from the Subrogation department. 
All of these people told me that XXXX XXXX had never hired a company called Wilber or Wilber & Associates to represent them. They did pay out a claim to their client, XXXX XXXX, but were not trying to collect these funds from either myself, or XXXX XXXX XXXX XXXX, who also received a collection notice. In other words, this collection notice is an attempt to collect on a debt already paid by XXXX XXXX, and XXXX XXXX has no knowledge that Wilber and Associates is using their name in an attempt to collect more money than is due. Thus Wilber & Associates is fraudulently representing that they are employed by XXXX XXXX to collect a debt from me that has already been paid, and the account closed out. No money is owed, as it has already been paid. 

Notice how it seems legitimate by saying I can make the check payable to XXXX XXXX, but the fine print on the bottom allows Wilber to collect the money, and then destroy evidence that you made the payment to XXXX XXXX. This should be illegal and punishable ; I'm sure some loophole allows it, and hope people are not duped by 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 2019-09-13 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: KS

Complaint narrative:
Its been over 30 days and I havent received a written response to my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
On XX/XX/2019 I discovered online that VIO Bank ( based in Oklahoma ) was offering 2.52 % APY for its high yield online savings account. I did some research and even called its customer service ( XXXX ) to ask a few questions. After my questions were answered, I decided to open a joint savings account, but was instructed by the operator to complete the application online. On the same day, I completed the application for a joint account using personal information. The application also contained some questions for identification after the personal information was entered. I completed all the questions and submitted the application. As a result, I received a message indicating Unfortunately, we can not process your application. I tried reapplying for the account for three times afterwards, but received the same results. My application was rejected. I called the customer service number ( XXXX ) on XX/XX/2019 to inquire about the rejection. The lady operator asked for my SSN. After looking at the application, she mentioned she could not reveal the reason why my application was rejected and instructed me to reapply online at a later time. I asked to speak to a manager but was informed no additional information would be provided by the manager also. I  expressed my concern that VIO bank collected my personal information, failed to explain the reason for rejecting my application, and may possibly divulge it. It wasn't fair for them to hold my personal information without providing any service. I have an excellent credit score, and there wasn't any reason for a rejection. But the operator couldn't provide any further assistance. I reapplied later on XX/XX/2019 for one last time, but was rejected again. I am not satisfied with Vio Bank. They're hoarding my personal information and not providing any resolutions. On their website, I discovered other people also had the same ordeal and voiced their experiences. Neither its website nor its live customer service were useful. VIO Bank needs to be held accountable for their shady business practices. I'm demanding some action be filed against them. Thanks

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 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a copy of my credit report and found the following item to be in error.

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 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I received a copy of my credit report and found the following item to be in error. in no form i recognize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I settled 5 accounts 2 Citibank 1 XXXX XXXX 1 XXXX XXXX 1 XXXX XXXX I continue to submit information to XXXX online. Along with documents of settlements and payment being received on XX/XX/2019. The if information has not been removed from my credit report. 

Also. The XXXX XXXX Card Account belongs to XXXX. My initials are XXXX.. The has an account in which they sold to XXXX XXXX XXXX. They are saying {$4000.00} was written off & I still owe {$1800.00} the Amount owed continues to increase. I dont understand how this is possible. XXXX XXXX XXXX can not be reached. XXXX removed the account but XXXX is not attempting to investigate even though I provided information.

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 2019-09-13 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: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I settled 5 accounts 2 XXXX 1 XXXX XXXX 1 XXXX XXXX 1 XXXX XXXX I continue to submit information to XXXX online. Along with documents of settlements and payment being received on XX/XX/2019. The if information has not been removed from my credit report. 

Also. The XXXX XXXX Card Account belongs to XXXX. My initials are XXXX.. The has an account in which they sold to Moss Law Firm. They are saying {$4000.00} was written off & I still owe {$1800.00} the Amount owed continues to increase. I dont understand how this is possible. Moss LAW firm can not be reached. XXXX removed the account but XXXX is not attempting to investigate even though I provided information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: AL

Complaint narrative:
I received a copy of my credit report and found the following item to be in error. in no form i recognize 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 2019-09-13 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: AL

Complaint narrative:
I received a copy of my credit report and found the following item to be in error. in no form i recognize 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 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
some one was able to add themselves to 2 of my XXXX XXXX cards in XX/XX/2017. now equifax put back one of the account on my credit report after it was removed in 2017. They seem to have a very poor and faulty reporting system. 

I called them in march of XX/XX/2017 to remove this person from my account, and there after they allowed charges to continue on the account after i request this fraudulent person be removed from the account. 

By XX/XX/2017 after the account was closed i had a credit balance on the account.. 

Between XX/XX/2017 and XX/XX/2017 i spent son many time and money to fix this breach, and now they are showing bcak the card on my report as a charge off. 

This is totally unacceptable, i need them to correct the error they are reporting. they are also reporting my td bank as closed when it is open. 

Why are they still allowed to be in business? They are totally not a reliable source of reporting. 

I need to file a claim against them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/19. {$140.00} was taken from my account. When I contacted CashApp I was given a list of things to do, I complied. No one contacted me since and my $ has not been refunded. I believe CashApp screwed up. That transaction was simultaneous with CashApp refunding me for atm fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
At XXXX XXXX I received a text message from Cash App stating that a Cash App user as filed a dispute with their bank for {$140.00} payment which I received on XX/XX/19. This payment will be refunded from my account. 

I contacted the Cash App user in connection with the transaction in question and they stated that they did not file any such dispute. 

I proceeded to then contact Cash App via phone no luck, so I proceeded to send then and email. They responded to my email stating that they have conducted a review of my account. As a result, they are sorry to inform me that they have elected to deactivate my account doe to chargebacks on payments that I have from other Cash App users. 

I replied to their email stating that if an actual review was done of my account they would have seen that the amount for the transaction in question was sent back to the Cash App user on XX/XX/19, so there was no reason from them to now have gone ahead and debit my personal bank account for {$140.00} which they state will be returned to the Cash App user on Tuesday XX/XX/19. They also went ahead and close my Cash App account with my {$100.00} still in it, and have also closed the Cash App user account that they are stating have filed a dispute for the {$140.00}, and there was also money in his account that he now has no access to. 

I contacted my bank and they confirmed that there is a pending debit in the amount of {$140.00} and I explained to them the situation. Agent provided me a XXXX XXXX number that was attached to the transaction and stated that I could call them and explain what is going and see I could get the authorization dropped. That was unsuccessful! 

I have unlinked my debit card and bank account from the application. 

I am righting for some assistance in recovering my stolen money. 

Thank you in advance for your assistance. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

I have also sent numerous emails to both the caand XXXX. I discontinued my service in XX/XX/XXXX due to fhronic issues with XXXX  for charging me for cable but it never worked, equipment i couldnt use since servicedid not work andfor charging me rates thatwere not agreed to. Thry illegally chsrged me for three months service st inflated rates after i stopped service. They also promised me full credit for service and equioment fees for the 7 months i chrinically complainedut was forced to pay on threats till i saidenough was enough and i would not pay. They then cut me and i cancelled all services. I had no contract no committment when wegot the services. Ivebern fighting this over ayear now and they keep damaging my credit. I have filed aFGG complaint. They havent responded to my responsesfor infotmation thry requested and are violating oth the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello I have been subjected to ongoing harassment by Macy 's credit card division since at least XX/XX/2019. Their latest action is what prompted me to file this complaint. 

On XX/XX/XXXX I spoke with Citibank which apparently handles debt collection for Macy 's, or at least that's what they claimed in a letter signed by XXXX XXXX SVP at Citibank. Their representative offered me to enter into the settlement of the debt. I attached the letter from Mr XXXX with this complaint. According to the letter once I paid {$110.00}, I won't owe anything to Macy 's.

However, today I got a letter from Macy 's demanding that I pay them {$140.00}. The letter is also attached with this complaint. Amusingly, the letter mentions that I'm enrolled in a settlement agreement, and in the summary of activity also shows that I already paid them settled amount {$110.00}!

I am planning to sue the Macy 's in small claim court for their brazen harassment, but wanted to bring your attention to their practices. 

thank you, 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 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I just became aware of an account from XX/XX/XXXX from saying I owe XXXX dollars from a XXXX bill. I still have XXXX XXXX and I don't owe them. My account is up to date. When changed were made to my account I was told everything transferred over which it did because I paid for it. Now here it is XX/XX/XXXX and this show up as collections on my credit report. No one from XXXX has ever contacted me stating that I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
ACCOUNT RESTRICTED ON XX/XX/2019, WENT INTO THE BRANCH AND RESOLVED IT ON XX/XX/2019. 

XX/XX/2019 ATM ACCESS RESTRICTED AND WENT INTO THE BRANCH TO ON XX/XX/2019 AND COMPLETED A PIN RESET TO RESOLVE IT XX/XX/2019 ONLINE ACCESS RESTRICTED, AND THE USELESS LOSS PREVENTION TEAM IN XXXX ASKING ME TO STEP INTO A BRANCH TO VERIFY MY IDENTITY AND RESET MY ONLINE ACCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-09-13 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation