vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX  and XXXX XXXX from citibank executive response unit are sending me letters with a presumption that i owe them something, the letters are evasive and misleading, I HAVE NEVER RECEIVED A ''BILL '' FROM CITIBANK OR A SWORN AFFIDAVIT TO SUCH MATTERS OF A ''DEBT '' OWED, THEY ARE KEEPING A SEPERATE LEDGER THAT EVIDENTLY IS A SECRET, THEY WILL NOT GIVE FULL DISCLOSURE, THE CHECK MAY HAVE BEEN UNPAYABLE FROM THE SOURCE WHERE I GOT IT,, BUT THATS NO PROBLEM BECAUSE THEY FUCKIN SOLD IT AND MADE OUT QUITE WELL AS I AM STILL INVESTIGATING THIS SECURITIES INSTRUMENT WHERE IS SHOWS MANY ROUTING NUMBERS PROVING TRANSACTIONS WERE IN FACT MADE AND PROFITS, CAN YOU TWO XXXX  CRIMINALS EXPLAIN TO ME ALL THESE NUMBERS ON THIS CHECK AND WHAT IT MEANS, OK, WELL I WILL EXPLAIN IT TO THE AMERICAN PEOPLE IN DUE TIME HOW YOU XXXX XXXX THIEFS LIARE RIPPOFS DO YOUR RIPP OFF BISNESS, , NOW STOP PLAYING GAMES, IF I OWE YOU ANYTHING SEND ME A XXXX BILL, XXXX XXXX  sent me a little book stating its the federal law that banks can keep the original check, WELL WHERE THE XXXX IS THAT FEDERAL LAW CITATION, ID LIKE TO SEE THAT ONE YOU XXXX LIAR

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 2018-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear CFPB, I was in the process of applying for a XXXX XXXX Credit card online. I have not applied for credit online before. It seems that i answered some online questions meant to verify my identity incorrectly so the application was declined upon the merit of that. This was recorded as an application for credit on my report, however they simply said that they could not verify my identity online. Furthermore they refused to send me a written application. Also they said that I would have to wait 30 days and to try again. However this seems to be a pointless game. If you are a high end retailer and want the business of a customer of many years, then you would send out a paper application as a matter of course. However the call in center if far from high end. I feel that there is something wrong here. 

Application made : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Application number : XXXX XXXX XXXX/ Capitol One XXXX Also it is nearly impossible to submit a credit dispute online to XXXX   using their online form. The application deletes itself if you try to scroll down. Also it uses private credit history questions as a form of identification. It would be nicer if there was a form I could print out and send in with proper identification. I imagine if you really had a problem, you could become quite frustrated. 

That said this will be the last of XXXX XXXX and Capitol One Credit applications which I fill out. You must hear so many more serious stories than this, however I do nott like unprofessional persons playing games with my credit. 

Many thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: FL

Complaint narrative:
I learned in XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX, XXXX placed an erroneous bad debt transaction on my credit report. This has prohibited me from securing the housing needed to accommodate my XXXX child. 

We lived in XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX forwarded my son 's incontinent supplies to our temporary XXXX address during the summer of XX/XX/XXXX while we vacationed there. XXXX   Medicaid limited them to sending supplies to an alternate address for a maximum three months. We decided to stay in XXXX and notified the company and Medicaid at the end of XX/XX/XXXX. Shipments should had ceased at that time. 

The copy of the invoice I received in XX/XX/XXXX shows that the company sent a shipment to our old address in XXXX in XX/XX/XXXX. They allege funds are owed although I no longer lived there and they were notified to discontinue shipments before this shipment was sent. Previous shipments were paid by Medicaid, not by me. Medicaid said they were not billed for shipments after XX/XX/XXXX. 

XXXX XXXX XXXX states that it is not their responsibility to prove that I received the merchandise. I must prove that I did not. That's impossible! We are currently displaced because of this issue and I plan to seek additional legal action if the debt is not absolved and the transaction removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX, I was about to secure a mortgage. I have memberships with XXXX  and XXXX.

On XX/XX/XXXX My XXXX credit score listed at XXXX.

On XX/XX/XXXX, I received an Alert that Discover lowered my credit Limit.

I logged into XXXX and found out Discover lowered my Credit Limit from {$16000.00} way down to {$3300.00}. This had a negative impact on my credit to ratio raising it from 33 % to 39 % As a result my Credit score with XXXX, XXXX and XXXX  dropped 19, 27 and 24 pts ( see attached ), I believe Discover received an inaccurate credit report on me. I did have an issue with a XXXX XXXX   account reporting as 60 days late.But that was resolved quickly and properly updated.

I am requesting Discover reverse the credit limit decrease since it used inaccurate information.

But even with the inaccurate report the Discover likely used, I have to ask if my limit decrease was in line with others of similar credit history. I mean a drop from {$16000.00} to {$3300.00} when I have never been late with Discover. Only used about 10 % of my available credit with Discover and my credit score even with the inaccurate reporting was still around 630 However, I do have another concern : Due to the recent political atmosphere I have experienced discrimination as a result of my name XXXX XXXX the stigma from people and corporations assume I am or was a XXXXXXXX XXXX. This could not be further from the truth and for the first time in my life I feel like I have to begin defending my heritage.

Therefore, I would like to address that : I am a 2nd generation American citizen, My father was born here, my Mother is XXXX and XXXX.

My father, who grew up poor, worked his XXXX off and became a successful XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

I followed my father as a XXXX XXXX but also expanded as an XXXX.

My wife is also XXXX and I have XXXX   beautiful ( XXXX XXXX ) daughters.

I own 3 homes : which I built Primary residence : 1. XXXX XXXX XXXX XXXX XXXX XXXX Value {$700000.00} and only owe approx. {$150000.00} 2. My lake house : XXXX XXXX XXXX XXXX   XXXX  XXXX  Value {$800000.00} ( I owe {$210000.00} ) 3. My vacation condo in XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  Value {$460.00} ( I owe {$190.00} ).

I own the following companies : XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX.

MY XXXX  page is under : XXXX XXXX ( where I network all my businesses )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a voicemail saying his name was XXXX XXXX from pre-council summons of " my jurisdiction '', and he had tried unsuccessfully to serve me a summons to appear and would now be serving it to me at my place of employment. I have been XXXX and not working since XX/XX/XXXX. I called them back to find out what this was all about. The man who answered the phone did not identify himself or the name of the company. I asked why I was receiving this phone call. After providing him with my phone number he said they have tried twice to serve me a summons to appear for Defrauding a Financial Institution. I asked him what he was talking about. I have committed no fraud, let alone Bank Fraud. He then said it was in regards to a XXXX XXXX, XXXX XXXX, that I had returned to XXXX in XX/XX/XXXX due to declining health and losing my job. He explained that the car had been sold at auction and the remaining amount still due was XXXX, and they were suing me for that amount. 

I tried to calmly explain to him that the Statute of Limitations in the State of Texas is 4 years from the last date of payment on the debt. He then told me I don't know the law he does and I am the scum of the earth. When I asked if he was an attorney, he just got louder and continued to call me the scum of the earth. When I asked the name of the company he was representing and contact information he hung up. 

I called back and spoke to XXXX XXXX. I asked her the name of the company and address. She quickly gave it to me while asking what this was about and why I needed it. While she was doing this she was looking up my phone number to see who she was speaking to. When she asked what this was about and I asked had her company filed a bond with the State of Texas to collect in this state she told me they don't have to do that because they are a recovery company, not a debt collector. She kept asking why I needed to know and I told her I was filing a complaint with the State of Texas and the FTC. She said good luck trying to do anything to them. Then hung up. I called back because I was not sure I had gotten the correct city, XXXX again answered and said she didn't have time to talk to me and hung up. I had to call back a third time to have someone tell me the city and zip code. 

I believe this is the same company, operating under a different name, who contacted me last year with the same threats and insulting language and behavior. I had to actually block that number so they would stop harassing me. After researching more I have found that this company has called many people using the same tactics and have used the name XXXX XXXX XXXX XXXX, ( which is the name they gave me ), and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: IL

Complaint narrative:
I received a letter from Equifax stating someone had tried to get a XXXX Credit Card in my name. This happened XX/XX/2018. I contacted the number on the letter and they told me to fax in a letter with my name, date of birth, social security number, address and email address. I did not do this in fear of it being another scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
OnXX/XX/XXXX the bank contacted me because of suspicious activity on my debit card. On XX/XX/XXXX at XXXX, the case was filed, I was told money would be refund in 3-5 days. I contacted the bank on the 5th day and was told I would have the money the next morning. I then called on the 6ty day, no resolution. I went into the branch in the 7th day and spent 4 hours. Both the bank employees and I were given the run around on the phone. Finally, I was told by XXXX XXXX, a supervisor, well we haven't even gotten around to assigning the investigator yet so dont hold your breath for your money ''. In the meantime, I have contacted all the disputed charges amd confirmed that the names, addresses, and shipping info are nowhere near my own for any of the charges being disputed. Now we are in the 9th day, I keep getting the run around. I was just called by a XXXX XXXX in the client advocacy department only to continue getting the run around with no resolution. XXXX told me that it will now be another 15 days before I am even contacted to discuss the situation. I am a single mother and my daughter is literally without food because no one at this bank can give me accurate information or resolve the issue.

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 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - Equifax - XXXX, XXXX XXXX, XXXX  XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates has been contacting me from different numbers in violation of my legal representation and rights due process under the law. 

Furthermore they have been frequently contacting me without any identification as a debt collector or by leaving a message stating their identity. 

All of my debts are past the statute of limitations for collections. 

I am a XXXX XXXX XXXX veteran. I have had legal representation since XX/XX/XXXX. My XXXX XXXX effective date of XX/XX/XXXX. All of my creditors were notified by me and by counsel of my XXXX and representation in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is breaking the law by not allowing me to dispute inaccuracies on my credit report. They claim they are not obligated to re-investigate, when by law I am permitted to submit my disputes as many times as I want. They do not allow re-investigations which is against the law. I have filed a complaint with the FTC as well. These accounts are not mine and should be removed, however Experian refuses to allow my disputes to be processed claiming I am filing frivolous disputes. They are not frivolous as XXXX has removed the accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX xxxxx

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 2018-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I closed my account with Wells Fargo and for some reason, its still showing up on my credit report. I would love to have this problem fixed. I made sure my account wasn't in negative and I actually closed my account over the phone so I'm not understanding the mishap here. Thank you, hope to hear from you soon.

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 2018-03-07 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: DISCOVER BANK
State: CA

Complaint narrative:
A refund was issued by XXXX XXXX XX/XX/2018 to my XXXX. 
Refund was posted on XX/XX/2018 and appears so on my XXXX XXXX statement. 
Merchandise accounting for 100 % of this refund was returned in good condition to the merchant in advance of the refund. Merchandise return was verified by XXXX management and management issued a credit for {$6000.00} posting XX/XX/2018. 
On XX/XX/2018, XXXX weeks after posting to the {$6000.00} refund, there was an " accounting adjustment to dispute '' entered on my online history as posted. 
On XX/XX/2018, I verified with multiple representatives of XXXX that this {$6000.00} was NEVER a disputed transaction. It was a refund issued by the merchant for returned goods received in good condition and verified. 
I have spoke to over XXXX people at XXXX asking each individual who initiated this refund and to what person or entity the accounting adjustment money was going to because it is the only entry on my credit history that does not have a payee. 
All XXXX people at XXXX told me that they could not tell me who did this accounting adjustment or to whom the money was going to be paid? I opined that as a matter of record of any financial transaction, you need to have an initiating party and a payee. The only response I got was that they would take it under investigation. 
Please to not lose sight of the fact that this {$6000.00} was a POSTED transaction done XXXX weeks ago. I did not dispute or authorize any changes to this transaction and XXXX agrees but still is charging me the false {$6000.00} when I have no goods from the merchant. XXXX told me there is no record of this refund being disputed, they can not see who did this charge to me or to whom the money goes. XXXX also said there is no record of any reason in my Discovercard history of why this refund would have been reversed, yet XXXX WILL NOT even give me the basic information of who did or requested this reversal or where the money is going. Discovercard claim as this point they don't know. I question that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am XXXX year old retired elderly woman living on a very small fixed income. I have a bank account with Capital One. I cancelled my services with the XXXX and the XXXX XXXX. Both the XXXX  and the XXXX XXXX said that they closed the account, and no more monthly debits would come out of my Capital One account. That was in XX/XX/2017. When I saw that funds were still being monthly debited from my Capital One account, Capital One said that they stopped payment and no more money wouldn't be debited from my account to XXXX nor the XXXX XXXX. In addition, Capital One issued me a new debit card for my checking account. However, even with the new card and Capital One stating that they stopped payment on the two accounts ( XXXX and XXXX XXXX ) each month funds are still going out XXXX  and XXXX XXXX.

I don't understand why Capital One is working for these two merchants against their own customer who they promised that they would stop payment.

Capital One is taking money out of my account unauthorized after I told them to stop payment to those two merchants back in XX/XX/XXXX, and Capital One issued me a new card saying that they stopped payment and it won't happen again.

There are some days that I can not eat because I relied on Capital One 's statement to me that they cancelled those two merchants from my account. Capital One has caused me so much problems leading to even physical problems for this unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am not aware of these charges and no invoices and work done has been submitted 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 explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MN

Complaint narrative:
1. XXXX  said they sold the debt, making ERC a debt purchaser. 2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not XXXX. 3. XXXX  didnt sent billing statements to me because they entered or misspelled my home address. 4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 5. On XX/XX/XXXX I sent a debt validation letter after no ever receiving a correspondent from ERC or XXXX. 6. ERC partially responded to my debt collection letter. 7. ERC provided me billing statements that only listed a amount owed without a break down of chargers. It went from {$350.00} to {$700.00} without any billing marks or notations. 8. ERC did not explain and show me how you have computed the amount as requested on my debt validation letter on XX/XX/XXXX9. ERC did not Send me the copies of any documents that prove I agreed to pay the alleged amount or contracts as requested on XX/XX/XXXX 10. ERC did not Confirm that the account has not crossed the SOL period as requested in my debt validation letter 11. ERC did not Prove/show that they are a licensed debt collector as requested in my debt validation letter 12. ERC did not prove/show me their license numbers and registered agent as requested in my debt validation letter 13. ERC still reported on my credit report with out following all the legal steps and violated my rights as a private citizen. 14. Lastly the debt validation response they sent me only contained blank billing statements without any information on any of the amount they spoke of 15. ERC needs to removed this debt from my credit report until Im able to verify this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation