vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In response to CFPB complaint XXXX XXXX  XXXX XXXX  a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from CITI Bank N. A. which is a direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). XXXX XXXX XXXX has been contacted by certified mail and have not once provided the information proving I am contracted to pay them an alleged debt of {$840.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX XXXX XXXX has complied with none of this statute. The attached correspondence sent with their CFPB response from CITI Bank was a document from the original creditor that was sent to an address that does not/has never belonged to me stating that the debt was sold to XXXX XXXX XXXX. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with CITI BANK N.A. CITI BANK N.A. gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to XX/XX/XXXXor CITI BANK N.A. XXXX XXXX XXXX was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer. XXXX XXXX XXXX continues to knowingly and willfully violate my rights as a federally protected consumer. Once again XXXX XXXX XXXX debt claims are refuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Unauthorized inquiries and collection accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX XXXX in XXXX, FL. XXXX**IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as : XXXX XXXX XX/XX/XXXX***Please update the correct wording to reflect what I do professionally******

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 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX XXXX in XXXX, FL. ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX**Please update the correct wording to reflect what I do professionally******

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/21 I made an online purchase through American Eagle for three pairs of jeans in the amount of {$150.00}. Then on approximately XX/XX/21 I observed that my credit was pulled from American Eagle and I didn't understand why it was. I contacted American Eagle and they told me that I applied for two credit cards and was denied. I immediately informed them that I did not apply for any credit cards and I made a purchase on XX/XX/21 for three pairs of jeans and that was all. She patched me over to the fraud department and exchanged more information and ended saying that they will send a letter to the credit bureau 's informing them that I was a victim of identity theft. After that extended phone call I also called XXXX  and spoke with them and they informed me that I had to send a letter with all my information and the information that they told me to include also. I am sending off my letter to XXXX on XX/XX/21 and I will be awaiting their response. I am hoping that they will remove the fraudulent inquiries immediately so I won't have to deal with more issues of these fraudulent inquiries.

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 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I tried to refinance with my current Mortgage Company NewRez in XXXX of this year. They denied me because my condo was now worth XXXX which is XXXX less then I paid for for it in XXXX Upon being denied I opt out. Today I received a c all from NewRez telling me of the great rates. I opted out in XX/XX/XXXX and today is XX/XX/XXXX well over 30 days ago. It is clear that NewRez is not following the opt out rules for their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Early Warning Services, LLC
State: SC

Complaint narrative:
I have an incorrect item on my Early Warning Systems report. The incorrect item is from XX/XX/XXXX which states that my XXXX XXXX account ( # XXXX ) was closed due to " Account Abuse '' and that there was a principal loss of " {$1900.00} ''. These are both false. I disputed this already with XXXX XXXX in XXXX when they made this claim. I never made an ATM withdrawal from my XXXX account on XX/XX/XXXX for {$2000.00} ( nor any other amount ), nor did I make any other withdrawals from my account ( check or ACH ) that would have resulted in this debit. I did not cause a principal loss nor did I abuse the account in any way. I also disputed it with Early Warning Systems in XX/XX/XXXX. However, Early Warning Systems admitted that they only contacted XXXX ( who erroneously confirmed it ), and did not actually investigate the dispute in detail. Specifically, they failed to verify that the letter sent by XXXX on XX/XX/XXXX is false. Therefore, both XXXXXXXX XXXX and EWS have failed to follow the Fair Credit Reporting Act and are in violation thereof. This is directly causing my to be unable to open bank accounts because the EWS report lists this item and banks are denying me basic checking accounts as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: SC

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cawley & Bergmann, LLP
State: VA

Complaint narrative:
i am writing this complaint about cawley & bergmann llc. debt collections. 

in XX/XX/XXXX i was contacted by them about a debt that i can't confirm the total if i own or not, They informed me i could get a discount if i agree to pay XXXX which XXXX up front with high pressure to come up with that amount. to get discount and XXXX a month auto withdrawal every month. i agreed cause i ran out of time to find the amount i may have owned before the discount would end. i paid XXXX on XXXX by direct withdrawal and then XXXX started the XXXX a month auto withdrawal.. the pandemic hit but i made sure the money was in the account. XX/XX/XXXX came around and i receive a email that i breach the contract and i own the full amount that i still cant verify. i called them and they said that XXXX payment wasn't received. i checked my account and no auto withdrawal was not made in XX/XX/XXXX, i said that money was in the account and asked what happened and was told i needed to make the payment myself, that auto pay was termed on XXXX. i said who did that i didn't and they said i only agreed to 12 payments. then the high pressure is applied again again with the how much money you can come up with how and we will see, they wanted the whole thing really. all XXXX now or else. i said why did the auto withdrawal stop and was told that i only oked 12 months, i oked it until it was paid off. i checked my emails and didn't receive anything stating that auto withdrawal was ending. the only email i did receive was that they were starting collections proceedings due to my breached of contract, they know i am a busy person and that was why auto pay was setup to begin with by them and what they wanted, i didn't look to see what was going on cause i am busy with all that is going on i though that all was being taken care of. 


then they were like what about your taxes and all other kinds of questions to get all they could at once. i called them on it and was given the run around about that it was all me. 

They stopped the auto withdrawal so that they could redo the same thing they did before and get a big amount of money which was XXXX this time per them and XXXX a month until the XXXX ballance from the first agreement is paid. i don't even know if that money i am now paying is going to the loan account or if they did this to send the new auto pay to another account and the original debt is already paid. 

why do they just stop taking auto payments before a debt is paid. why didn't i get a email to that fact? they stopped the payments and i think its all a game with them. they have caused hardship and such

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I closed my account several months ago due to an unfair credit line reduction but was continuing to make my monthly payments. I received a bill with a due date of XX/XX/2021 for balance XXXX. Sent in a check a week in advance for XXXX. They posted it in XXXX and will not remove late fees for their losing of my payment. My payment due XX/XX/XXXX posted just fine. My last contact was today 4/8 and was basically told that they don't care. I have paid for years, they drove away a paying customer and now want to rip me off. I will only pay what I fairly owe. I don't see how I make my due amount every month and they lose it and blame me. I will send in a payment 4/9 minus any late fee and write paid in full. I will not pay a dime more, I will file a complaint every day, and tell everyone in the world not to use Citi Bank.

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 2021-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We opened a XXXX with Wells Fargo and about two years ago we submitted the requested notarized paper work to close the account. Wells Fargo continues to send us threatening letters about not having insurance on our property.

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 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have sent several notices to this company to no avail. They are deliberately not verifying inquiries listed on this Chexsystem report or disputing them and also have very old data reporting on this Chexsystem report as the debt as bad debt/acct abuse/ balance owed for institutions I never used checking acct for. the accts they are showing are very old and outside of my statutory period to collect and also have been discharged in bankruptcy and they are still reporting as they are prohibiting me in moving forward in reestablishing good standing with other creditors and a fresh start.

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 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
After complaining about poor service to the CFPB, the credit card company has closed my account and deleted my online access. 

The phone rep said that " XXXX '' reviewed my account and closed it. XXXX never spoke with me about closing the account. 

I had tried to close the account earlier, but Citi refused to close it. After I complained to the CFPB, Citi received the complaint and retaliated by closing the account, deleting my online account access, and keeping a nearly {$7000.00} credit balance. 

I want them arrested.

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 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: VA

Complaint narrative:
I went to the hospital back in 2018 and I paid with my medical insurance that was supposed to cover any payments, months later I received a letter stating I was owing money to the hospital so I went to the hospital and they said I was not owing anything due the insurance paid it off so now I checked XXXX XXXX and I saw this account saying I owed almost 300 bucks out of nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
PMS is trying to collect I do not owe XXXXXXXX XXXX XXXX XXXX. my insurance needed to pay the bill and then the rest was paid by me as my deductible. I paid off the bill and do not owe anything to XXXX XXXX 's XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have an incorrect item on my XXXX XXXX XXXX report. The incorrect item is from XX/XX/XXXX which states that my Chase Bank account ( # XXXX ) was closed due to " Account Abuse '' and that there was a principal loss of " {$1900.00} ''. These are both false. I disputed this already with Chase back in XXXX when they made this claim. I never made an ATM withdrawal from my Chase account on XX/XX/XXXX for {$2000.00} XXXX nor any other amount ), nor did I make any other withdrawals from my account ( check or ACH ) that would have resulted in this debit. I did not cause a principal loss nor did I abuse the account in any way. I also disputed it with XXXX XXXX XXXX in XX/XX/XXXX. However, XXXX XXXX XXXX admitted that they only contacted XXXX XXXX who erroneously confirmed it XXXX, and did not actually investigate the dispute in detail. Specifically, they failed to verify that the letter sent by Chase on XX/XX/XXXX is false. Therefore, both Chase Bank and XXXX have failed to follow the Fair Credit Reporting Act and are in violation thereof. This is directly causing my to be unable to open bank accounts because the XXXX  report lists this item and banks are denying me basic checking accounts as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Receivable Management Services LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. XXXXeporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation