vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I went to my local bank and closed my CitiBank Credit Card account to avoid being charged another annual fee, because I no longer needed the card. I was told everything was handled and there was a {$0.00} balance. They removed the account from my viewing on the website, so I had no way to access the account in any way. The gentleman at the bank ensured me everything was handled. I assumed the account was closed, and it was noted on my credit report inXX/XX/XXXX. All of the sudden, in XX/XX/XXXX I saw a number 90 on my credit report. This signified that I was " late by 90 days for a payment ''. I have never gotten any documentation on this matter until this point. I attempted multiple times to contact Citibank to discuss. I went in circles talking to department to department about how to deal with whatever it was that was negative on my account. Nobody responded to my calls. I then was contacted by a third party collection agency who asked me about the situation and I told them honestly I was shocked that months after I closed the account, these charges showed up, but I was more than happy to work with him to figure out what happened. I called the gentleman back several times, and he never returned my calls. At this point I have no idea what to do, or how to get this off my credit report, but this is totally wrong and unacceptable. I have never had a missed payment in my LIFE. Citibank 's lack of direction, response, and responsibility has caused my future to be in jeopardy as now I am applying for a new job, and trying to secure a new apartment, and have this innocent scar on my record.

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 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I just ordered my credit report and found this Diversified consultants with XXXX XXXX, XXXX and XXXX. I dont owe anything to this company nor any other company theyre saying that I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed bankruptcy last XX/XX/2007 and still appears on my Experian report. It should be talen out ny now. Thank you! Most of my other accounts were old and still appears.

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 2018-04-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is reporting incorrectly my balance on my XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. Current balance of {$240.00} is incorrect and needs to be {$170.00} as the other two bureaus are accurately reporting.

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 2018-04-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
I was the victim of identity theft from XX/XX/XXXX-XX/XX/XXXX. As a part of the identity theft, private student loans were obtained. The company representing the loans is XXXX XXXX XXXX XXXX XXXX. The private student loans were opened up in XX/XX/XXXX. I was made aware of the fraud in XX/XX/XXXXand filed a police report with the XXXX XXXX XXXX XXXX in XXXX, Georgia. I signed all the appropriate affidavits..some multiple times. I received a call in XX/XX/XXXX from XXXX and told the gentleman my story, he admitted some notes were there noted fraud and he would open a dispute. The next time I heard from them was XX/XX/XXXX, when the Sheriff came to my door with papers for a Judgement Claim from XXXX! First off, the loans are FRAUD, and they know it! Secondly, if they were mine it is past the Ga Statue of Limitations to file such a suit. I hope you can help me because this is making me physically stressed and Im currently a high-risk XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I just ordered a copy of my credit reports and this Aargon agency is on my XXXX XXXX, XXXX  and XXXX. I dont owe this company or any company theyre saying I owe. I never heard of this company until I googled this company and seen all the negative reviews.

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 2018-04-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2018 at XXXX, I called to inform Experian that they have failed to dispute items on my credit report within 30days from the date of my certified letter. I was informed by a Experian Supervisor that they have never received validation letter, and the information I disputed was just verified. I informed them that I have proof of certified letters from the United States Postal Service with a date and time stamp. The supervisor was rude and told its not the company fault that they did not receive my certified letters, and next time send them regular mail because they don't receive certified mail. I explained a Experain rep told me where to send my dispute, and gave me the dispute departments address.

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 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I went to my local bank and closed my XXXX Credit Card account to avoid being charged another annual fee, because I no longer needed the card. I was told everything was handled and there was a {$0.00} balance. They removed the account from my viewing on the website, so I had no way to access the account in any way. The gentleman at the bank ensured me everything was handled. I assumed the account was closed, and it was noted on my credit report in XX/XX/XXXX. All of the sudden, in XX/XX/XXXX I saw a number 90 on my credit report. This signified that I was " late by 90 days for a payment ''. I have never gotten any documentation on this matter until this point. I attempted multiple times to contact XXXX to discuss. I went in circles talking to department to department about how to deal with whatever it was that was negative on my account. Nobody responded to my calls. I then was contacted by a third party collection agency who asked me about the situation and I told them honestly I was shocked that months after I closed the account, these charges showed up, but I was more than happy to work with him to figure out what happened. I called the gentleman back several times, and he never returned my calls. At this point I have no idea what to do, or how to get this off my credit report, but this is totally wrong and unacceptable. I have never had a missed payment in my LIFE. XXXX 's lack of direction, response, and responsibility has caused my future to be in jeopardy as now I am applying for a new job, and trying to secure a new apartment, and have this innocent scar on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/1961 Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX XXXX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I have been a member of USAA for 18 years. I received a letter today dated XX/XX/XXXX that my credit has been lowered to {$7100.00} on XX/XX/XXXX. The decrease is based on my credit score which they stated is XXXX. I make over $ XXXX a year and have other credit cards with balance and make monthly payments and have a great payment history but what USAA is doing is harming my credit abilities and damaging my credit since by lowering my credit limit from {$12000.00} to XXXX with a credit balance of {$6600.00}, my account now show I have a high balance which will now impact my credit score even more. I have been in the process of paying off this card for several months and not using it. I believe because I have only been paying the credit and not using the card this is why my credit has been lowered. Also, if I was such a bad customer then why every time I receive my statement it show that I do not need to make a payment. Well it is because USAA wants me to continue to drive up my balance and for them to make money off the interest. This company is breaching my fair credit abilities along with damaging my financial abilities and potential further job opportunities as a result of them lowering my available credit and hindering my credit score. This practice must be stopped and I feel they are breaking fair credit laws as well as fair lending. 
When I spoke to a representative on XX/XX/XXXX, she was unable to even tell me what my previous credit limit was and was extremely unhelpful. She couldn't even help me find my statement on the website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Credit Service, Inc.
State: TN

Complaint narrative:
They call me first XX/XX/XXXX and XXXX XXXX leave me a voicemail threatening me that they going to put me to jail. I call them back and asked what it is about. XXXX XXXX told me that I owe {$700.00} which is as far as I know only {$480.00} harassed me that if I don't give them at least {$50.00} that day. She threatened me that she will put me to jail. Without doing any research or contacting my lawyer I give them my card number, they took out {$50.00} that day. I don't want be in jail especially I'm willing to pay my debt. So, I contact my lawyer and we do a research. My lawyer found out that the phone number is a scammed and warned me to stop the payment. Since XX/XX/XXXX they calling my phone non stopped and leave me a Threatening voicemail using a restricted number. they also used a robot to leave me a threatening voicemail. This company had to stop. I wouldn't mind paying my debt but I will only going to pay it on a legit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I have called Diversified Consultants to dispute the debt but they refuse to speak with me. They send me around to various employees and are making no effort to resolve issue. I do not owe this debt and they and other collectors have called me for the past 3 to 4 years on this debt. They claim it was a debt incurred in XXXX, CA at a time I was still stationed at XXXX XXXX, Oklahoma.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
equifax has me living in new york. that is not true

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX TRANSUNION XXXX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  EQUIFAX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is reporting incorrectly a payment amount on my XXXX XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$27.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.

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 2018-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I thought I did not have overdraft protection for my account. Yet I paid three overdraft fees that the bank is refusing to return to me. I had a check clear my account with no money to cover it. Then all my other transactions got denied except 1 which I was charged a few for along with the check. After that all other transactions on my account are denied without posting except one which was paid then returned when money was added to cover the balance and then another fee was charged for returning the transaction that was paid. I want my money back cause I feel my account overdraft was due this banks processing when money isn't Available then charging me for it. Now if it was a non sufficient funds charge I'd feel differently.

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 2018-04-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX AUTO LOAN: 
ACCT XXXX LOAN 101: 

THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. 
XXXX XXXX: XXXX DOB XX/XX/XXXX
XXXX XXXX XXXX" XXXX   DOB XX/XX/XXXX (SHE HAS BEEN REMOVE)

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
They call me first XX/XX/XXXX and XXXX XXXX leave me a voicemail threatening me that they going to put me to jail. I call them back and asked what it is about. XXXX XXXX told me that I owe {$700.00} which is as far as I know only {$480.00} harassed me that if I don't give them at least {$50.00} that day. She threatened me that she will put me to jail. Without doing any research or contacting my lawyer I give them my card number, they took out {$50.00} that day. I don't want be in jail especially I'm willing to pay my debt. So, I contact my lawyer and we do a research. My lawyer found out that the phone number is a scammed and warned me to stop the payment. Since XX/XX/XXXX they calling my phone non stopped and leave me a Threatening voicemail using a restricted number. they also used a robot to leave me a threatening voicemail. This company had to stop. I wouldn't mind paying my debt but I will only going to pay it on a legit company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation