vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITY NATIONAL BANK
State: GA

Complaint narrative:
City National bank crystal visa credit card account Account does not have online access to view transactions and statements. Have contacted banker XXXX XXXX who has failed to respond or resolve the issue over the last 3 months. 

Mr. XXXX XXXX is a delinquent, unresponsive, and incompetent banker.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
XXXX XXXX I went to purchase a car on XX/XX/2019 at XXXX XXXX. I signed a credit check and now I have two different inquiries on my credit report. One from the dealership, XXXX XXXX, and another from Nissan Motor Acceptance Corp. I was never told by the dealership that their would be more than one credit inquiry on my report. Also I have leased over the past 6 years and have always received only one inquiry on my report. When I spoke to the finance manager he claimed the new system they use runs your credit twice and they had no control over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
After hurricane Harvey in XX/XX/2017 I made a claim with Conn 's home plus regarding items lost. I pay for their warranty on all my products. I was told there was a high volume of claims and it would be a while. I waited 6 months, sent them multiple emails, took pictures of the damages as requested, and kept being told to wait. Two years later they have completed ignored me and I can not keep making payments in items I don't have because of damage. They took advantage and have committed fraud against me. I want this solved so I don't have to hire a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
Mc Neil and Myers collection agency no longer has any of my information my account has been transferred to a XXXX XXXX collection agency which I have paid in full this been going on since XX/XX/XXXX/XX/XX/XXXX this need to be fixed both these collections agency have given no help at all

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: FL

Complaint narrative:
I have major score differences on my Equifax credit scoring. I have tried to resolve the problem with Equifax with no luck. 
My.equifax.com score is XXXX ( excellent ) and my equifax premier score is XXXX ( fair ). Also equifax premier has XXXX  and XXXX in the 600 range far from where they actually are. 
I do understand different scoring models but these scores are to far apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank Case No. XXXX On XX/XX/2019, XXXX XXXX at Washington DC-XXXX  MD ( Merchant ), overcharged my stay for {$320.00}. The merchant realized the  mistake and credited that amount to my credit card ( Citibank ).  However, when I received my credit card statement, there was no credit of {$320.00} on the statement. I called the merchant and they confirmed to me that {$320.00} had been approved and released to my credit card. The merchant had sent me proved ( folio ) that the credit had been released. 

I spoke with and sent all the requested documents to the dispute department at Citibank between XX/XX/2019 and XX/XX/2019. During this period, each time when I called to follow up with Citibank, they denied the charges and kept pushing back. Even with all the proved and necessary documents showing XXXX XXXX XXXX had issued credit to my credit card, Citibank still denied to issue credit of {$320.00} to my account. I sincerely hope you can help resolve this issue expediently. Thank you for your corporation.

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 2019-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Services Corporation, LLC
State: FL

Complaint narrative:
We are being charged too much money and late fees of {$35.00} a month the company will not work with us to resolve this issue these overpayments we just can not afford because we're on a fixed income it is not fair for us being the consumer we've tried to resolve this issue with a gentleman named XXXX at that time he told us just to send in {$35.00} from sorry {$50.00} a month which we are going to do but then yet and still they continue to keep charging these {$35.00} late fees on top of each other we just can't afford this we would appreciate the help I'm from the consumer finance folks and we hope to get this issue resolved thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: GA

Complaint narrative:
There is a fraudulent account that is continuing to report on my credit file. I have been instructed to upload the police report and call in to attache to the file. Every time I call, they are not able to locate the police report that has been uploaded and mailed to Experian. Thus this fraudulent account continues to appear on my credit file. The fraudulent account is XXXX XXXX. I have never had this account and it was opened fraudulently. I am attaching all of my supporting documentation to this complaint as well.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against you
r company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX  {$570.00} XXXX XXXX XXXX   {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Around XX/XX/XXXX I try to log on to my account with numerous attempts I notify the bank and ask a representer why was I not able to get into my account they told me I had to go inside of the bank and they should give me some information about my account the next day I went to the XXXX branch I was told by a representer that my account was closed due to low funds I asked her why was I not notified and that I have been receiving emails from the bank she told me that she did not know why and that they will have to do some investigation and that somebody will be in contact with me, XX/XX/XXXX I called the bank and ask then what was going on with the investigation into why my account was closed and they told me that the manager XXXX had tried to reach me I told her I did not receive any phone call or email from such person she took my number down and she said that when he was finished with a client he will give me a call back I never received a phone call. again XX/XX/XXXX I called again to see what was going on with the investigation and if there was anyway that my account could be reopened another representer told me that the manager XXXX had spoke to me on several occasions and he called me back on Friday I told her that I have never spoke to anybody named XXXX and nobody has gotten in contact with me and I can bring my phone up there to show that I have no missed calls or incoming calls from this branch number they have left me with no choice but to make a formal complaint against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02 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: Phoenix Financial Services LLC
State: SC

Complaint narrative:
I reported to XXXX  that Phoenix Financial services reported on my credit report that I was in the hospital or had services by XXXX XXXX   on XX/XX/19 so this year and I have not been in the hospital at all this year nor last. Last time I attended a hospital I had XXXX and all medical bills have been paid. I reported this inaccuracy by XXXX   XXXX last year and this was removed from my credit report so I dont know why its on here again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a checking and savings account on XX/XX/2019 at JPMorgan Chase Bank of North America. I deposited funds into the account, I received documentation, starter checks and all other account performance privileges. I informed the banker opening the account of my previous balance with Chase Bank and asked if there were anything on my consumer report that would preclude me from opening a checking and a savings account. The banker advised me that I passed all metrics to open the account and that I was qualified. 

On XX/XX/2019 I attempted to make a deposit at the local branch and was advised that my account was being closed. 

The banker did not have a reason but did advise me that my account was being closed. 

This resulted in me not being able to access my personal funds, pay bills and transact business. 

I was never advised of any adverse actions in writing by Chase Bank. 

Banks should disclose to consumers if they are eligible for an account prior to opening a account. Consumers rely on banks to be honest and forth coming and to not engage in any unscrupulous or unlawful practices. 

I believe that Chase Bank is engaged in deliberate, defined actions against low income, minority consumers and I am calling for an investigation into their business practices. I do not want other consumers to be subject this type of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Recovery Solutions, LLC
State: KS

Complaint narrative:
I was called on XX/XX/XXXX by a gentleman representing himself as working for a 3rd party collection agency called XXXX. Upon talking to him he of let me know his name was XXXX XXXX and he had taken over a debt that I owed to a creditor. He claimed that I old a creditor over an even higher cost named XXXX XXXX whom I have never heard of. He began to tell me that the original amount that was taken out was one amount but somehow because the interest rate doubled I now owed them roughly an even larger amount due. Again I have no idea who this collection agency is nor I have I received any information any correspondence and/or any form of validation to who they are. 

Upon talking to the gentleman also he began to keep up conversation with me regarding this debt that I owed stating that if it was not paid that he/ would move forward or his company would move forward in litigation in order to obtain the funds to eliminate the debt owed to a company called XXXX XXXX. Additionally he also informed me that if I did not agree to pay the said amount the company would move forward and sue me for the amount owed. 

During our conversation on the phone the gentleman named XXXX XXXX continued a conversation with me outside of the realm of the conversation regarding the debt. He continued to discuss with me information that was irrelevant to the debt himself. He then returned to his communication with regard to the consequences that could be done to me if I did not pay the amount of the debt due. 

I have attached our phone conversation to this claim. He also failed to inform me that he was a debt collector and that his call was an attempt to collect monies owed. He threatened me with litigation for a debt that I did not owe. He also informed me that he would send me copies of all of my documentation regarding this issue. It has been a week and a half and I still have yet to receive any form of documentation that would establish any agreement with the company he claims. 

He completely lied about everything that he said and caused me to have XXXX XXXX and XXXX  and XXXX XXXX because he has called over 15 times. He also said that he was located in XXXX New York, however, nowhere on the internet search does it show that this company has offices outside of California or Florida. 

Please help me to find out who this is. He had my personal information such as my date of birth, last 4 of my social security number, my address and the my occupation which can be found on my credit report. 

This is out right fraudulent financial activities. Please investigate this company.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I currently have a Capital One Credit Card and was just hit with a past due payment on my credit report. I called into the company to find out how I was hit with a past due on my credit and I was told that my min payment was not made. When I asked how that is possible when I have my account set on auto pay they stated that in XXXX my min increased from {$38.00} to {$58.00} and my auto pay was set at {$40.00} a month. I asked by i was never called or informed of the increase and I never got an answer just an apology. Due to the {$18.00} shortage for that month they then proceed to hit me with a past due fee of {$38.00}. Every month since they have charged me {$38.00} past due fee the same day my payment was auto deducted from my account. My min payment as of today is {$270.00} and I have a late payment on my credit which hit me for 6o points. I have advised that I am willing to pay the XXXX shortage for the last 4 months as I was not aware as well as i have already increased my auto pay to {$60.00} to ensure it is covered. I have been told that if i do not make the min of {$270.00} they will continue to hit me with past due fees and continue to report me as late. I guarantee if I was late with no payment made at all I would have received multiple phones calls harassing me to make my payment. However, I was short by {$18.00} and this bank took the route of charging me outrageous fees and boxing me into a corner to pay them or my credit will continue to be hurt as well as I am losing out on money they are falsely charging me for. This is completely outrageous and I believe this should be considered illegal practices. They have stated all they can do is waive the most recent late charge. this is unacceptable in my eyes as I have been making payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$570.00} XXXX XXXX XXXX   {$0.00}

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