vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

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 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have a {$15.00} collection on my credit report from XXXX XXXX regarding XXXX XXXXXXXX XXXX, that is erroneous. I have contacted XXXX XXXXXXXX, XXXX XXXX, XXXX, Transunion company. both XXXX XXXXXXXX and XXXX say they show I owe them nothing. I can't get anyone to remove this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: MD

Complaint narrative:
I recently received a copy of my XXXX XXXX, XXXX  and Experian credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC
State: WY

Complaint narrative:
D & A Services has continued to call my employer when my employer has told them more than once that I am not in the country and not permitted to receive these types of calls at work. I have no knowledge of what this could be about. To the best of my knowledge I have no outstanding debts. When they first called I returned their call and left two messages ; neither were returned. Their continued harassment of my employer is jeopardizing my job. I am receiving these calls from a man who states his name as XXXX XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I was contacted by Portfolio Recovery Associates for a debt that was included in a Bankruptcy. They told me that if I was able to pay a reduced amount that it would not be held in collections or need to be included in the bankruptcy filing. I paid the amount ( without having it verified ) requested by the Company, as they were pressuring for immediate payment on the phone or the account would not be settled. I had no time to ask for a letter in writing or any other form of proof. I paid the amount requested, and the account still shows as a collection on my XXXX and XXXX credit reports. 

This reminds me of a published report on PRA bad practices by the CFPB : " CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts '' ( published on XX/XX/2015 ). 

I spoke to PRA and disputed the item several times, that now the Credit Reporting Agencies are telling me that I can not dispute this item again without additional information. 

I feel like I was manipulated and lied to, and now the CRAs are allowed to disregard my dispute on a technicality.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

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 2018-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: SC

Complaint narrative:
I filed a complaint that was partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX  actually owes me {$1100.00} in overpaid interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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:
Equifax has investigated the same issue more than 7 times and has not forced the company XXXX XXXX to provide any documentation to prove the debt is accurate. I believe that this is illegal and that Equifax needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: United Resource Systems, Inc
State: AZ

Complaint narrative:
# 1 THIS WAS NEVER ON MY CREDIT REPORT, XXXX STATED IT BELONGED TO XXXX XXXX XXXX, I WAS GIVEN INFORMATION ... ..THIS COMPANY JUST RECENTLY PUT THIS ON MY CREDIT! JUST BECAUSE I MADE CONTACT AND WAS GIVEN SOME INFORMATION THEY PUT THIS ON MY CREDIT. IT NEEDS TO BE REMOVED. I WANT THIS SENT BACK TO THE CLIENT IF IT IS MINE AND I WANT TO BE ABLE TO HAVE MY FIRST INITIAL CONTACT WITH THE ORIGINAL CLIENT. I WOULD NEVER OF HAD SUCH A DEBT JUST GO INTO COLLECTION TO BLEMISH MY RECORD. THIS NEEDS TO BE TAKEN OFF MY CREDIT AND I WANT PROOF THIS IS MINE I WANT DOCUMENTATION ... I WANT SIGNATURES ... .I WANT A COPY OF MY PERSONAL INFO THAT I PROVIDED TO YOU ... IF IN FACT THIS WAS MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
SYNC Lowes has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
Continued attempts to collect debt that is not mine. Continued robo calls after I have sent writing to this company which said not to call me. These have been reported to the do not call registry. I have also submitted the times and dates of calls to a law firm. I also provided the law firm information about the continued harassment and previous history of harassment. They are violating my rights under FDCPA, TCPA, and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: NY

Complaint narrative:
Fees for cash advances on Citi Credit Cards. 
I took out a cash advance of {$2600.00} for 3 days against my Citi Platinum Select Card for which Citi charged a flat fee of 5 % and in addition interest of 26.99 % APR. I was fine with the interest charge, but charging a flat fee of 5 % on top of that was unexpected and not properly disclosed. In addition, this 5 % fee amounts to a 608.33 % APR (! ) which is higher than even most payday lender would charge for this ( also for reference my FICO is 780+ ).

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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Walmart has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

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 2018-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My Fianc paid the company XXXX to help her get a modification on her mortgage, after approx. 2 years of this company going back and forth and asking for paperwork which we gave them, and switching people working on our file an loosing paperwork, they advised us back in XXXX of 2017 they could not help us any longer and we would have to file for chapter XXXX. Not once did they get in touch with us after that day and I have tried several times to call them back and ask them for some type of refund and they do not answer our calls. Total disrespect for a person reaching out for help.

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 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I had {$2500.00} stolen off of my American Express Serve card. It was wired into two individual accounts, {$2000.00} to one and {$500.00} into the other. I tried to log into my personal serve account to get the names of the individuals that it was wired to and oddly it WILL NOT let me back into my own account. I have been calling American Express with the number provided on the back of the card, multiple times and they have been telling me since XX/XX/XXXX that the investigation team had been working on the case. Recently, XX/XX/XXXX, I had called them yet again to check the status of the case and they told me that my case had been dealt with onXX/XX/XXXX. For over a month they had been telling me that my case was still being investigated when it had already been dealt with and they refused to tell me. They said that there is no possible way I will be able to get my money back that was stolen out of my account. I have called American Exress mutiple times, XXXX XXXX  which is who I filed my tax return through, who by the way said it is now American Expresses hands, also I called the IRS to see if there was possible any way they could help me and they said no. I desperately need this money back as it was for a deposit on a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I WAS CHARGED ON MY BANK OF AMERICA CARD FOR SOMETHING I DID NOT AUTHORIZE CARD # XXXX FROM A COMPANY CALLED XXXX  XXXX FOR {$4100.00} ON XX/XX/10 WHEN I SAW IT ON MY STATEMENT I CALLED THEM AND LET THEM KNOW I HAVE NO IDEA WHO THIS SAID COMPANY IS AND I NEVER AUTHORIZED THIS TRANSACTION AND NEVER DID BUSINESS WITH THIS COMPANY. THEY TOLD ME THEY FILED A FRAUD COMPLAINT AND I WOULD GET THE CREDIT ON MY NEW CARD. WELL THAT NEVER HAPPEN. IM SO UPSET THAT THEY DONT BACK THERE CLIENTS AGAINST FRAUD. THIS IS SENIOR CITIZEN ABUSE. ITS NOT RIGHT. PLEASE HELP ME GET MY MONEY BACK

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 2018-04-18 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: MD

Complaint narrative:
I recently received a copy of my Trans Union, XXXX and XXXX   credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ME XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX XXXX OH XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 non-monetary relief