vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Love, Beal & Nixon, P.C.
State: TX

Complaint narrative:
Love Beal & Nixon PC out of XXXX XXXX, OK has been attempting to collect on a very old credit card debt from more than 10 years ago. I have moved addresses, moved states, changed phone numbers and jobs over the years so I guess they could not reach me. On XX/XX/2019 they seized my bank funds, totaling {$280.00} and reduced my balance to XXXX. I had no savings to pay a lump sum. Seizing my bank funds created undue hardship on my family. I couldn't pay my bills, get gas in my car to get to work, or buy groceries for my XXXX children. That is when I learned they had taken legal action against me for this very old debt. 
I don't know what to do. I am living pay check to pay check, I still have no savings. It takes every penny I earn to pay my monthly expenses. I just can't afford to pay another person. I called them in XX/XX/2019. They said they would settle for a ridiculously high amount. They already took every dollar I had, and that only amounted to {$280.00}. Why would they think I could suddenly pay {$4000.00}? I live in fear that they will garnish my wages or take more money out of my bank account. I will not be able to survive. My children and I will become homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX was used to make a bill payment to my Citibank Double Cash Mastercard. Per the bank the payment was sent via live check : Payment Details Payee : Citibank Credit Cards, XXXX Notes Category : None Amount : {$50.00} Payment type : Check XXXX Payment option : MANUAL Paid from : Checking, XXXX Deliver by : XX/XX/XXXX Confirmation : XXXX I believe that Citibank has received the payment but lost or misplaced it so as to collect late charges.

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 2019-09-19 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened the account based on a promotion : Qualifications to receive {$400.00} Welcome Bonus - within 150 days of account opening, receive a cumulative monthly total of {$3000.00} or more in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. 

I travel abroad and upon calling Wells Fargo, they would not allow me access to reissue direct deposit after my depositor stated they had to have a letter directly from them. 

So the deposits were unable to be set up until beginning of XXXX. But this was after calling Wells Fargo, and them repeatedly denying my inquiries. Also, blocks on accessing their website from outside the U.S. presumably. I explained to the agent that my promotion required my direct deposits but he said that I needed to come into a bank branch which is physically impossible. 

Still, I deposited values, equaling over {$29000.00} during the months of XXXX, XXXX and XXXX, which meets the requirements for deposits within 150 days over 3 consecutive months. The bank representative XXXX XXXX in customer care at first told me that they were not made within first 3 months ( not as promotion period stated ). When I corrected her that I had until XX/XX/XXXX to be within 150 days, she stated that {$3000.00} was not made in XXXX, but the promotion states cumulative monthly total, and she refused to honor it. 

To beware : 1- Wells Fargo prevented me from setting up direct deposit through their " safety measures '' while I was out of the country, disallowing me from quickly satisfying terms. 
2- Wells Fargo read an absolute ( or partial ) sum of one month to say I did not qualify, instead of the cumulative sum that they placed in their offer. 

This is misleading and very regrettable, and I hope to advise others to not fall into a promotion that they do not intend to give.

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 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: OR

Complaint narrative:
Assests Recovery Associates called me and used scare tactics to try to collect on a debt that is at least 20 years old. I do not believe that I owe anything on this old credit card debt. They claimed they had sent a settlement letter and because I had not responded to the letter they were now forced to collect the debt in full immediately. ARA knew my social security number and told me that they had contacted my current credit accounts and knew my status and balance. They tried to convince me to make a payment of {$2000.00} to them using one of my credit cards. They threatened to have their lawyers put holds on my accounts or income if I did not pay by the XX/XX/2019. 

I was had. They got me frazzled and I paid {$100.00} toward the total. ARA said I would have to pay {$1900.00} by the XX/XX/XXXX or pay {$240.00} a month until the total balance was paid. Then I started thinking straight and looked into the company, ARA. I found that CFPB had just settled with ARA for non-compliance with Consumer Protection Act of 2010. ARA is still non-compliant. 

I faxed a letter to ARA telling them I refuse to pay anything more because I do not believe that I owe this debt and they are not able to provide proof of the debt. I asked them not to contact me again. 

Since that request, they have tried to contact me twice by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
XXXX XXXX {$340.00} no action took place canceled my service with this company to get with a better company now they stating I owe this amount didn't realize it at all now it's on my credit and I can't afford to pay it

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 2019-09-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2002 XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX. 
I would like a new report sent with my information updated correctly.

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 2019-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I looked on XXXX XXXX and saw that there was an extra credit card being reported. This account was opened XX/XX/XXXX. The individual was making payments consistently up until XX/XX/XXXX. At this time I was added as an authorized use to this account without my permission. I would never add myself to anyone 's financials, I won't even be on the same phone plan as someone else. I called Capital One, who issued the card, to remove myself from this account. They will not tell me who owns the account that I am an authorized user on " to protect their identity ''. What about the protection of MY identity? Someone has ruined my credit and I can't find out who. I would like to take this up legally with the person but I have no idea who it is. It only shows me that it is a Capital One Card, the user is listed as " un-designated '', it opened XX/XX/XXXX, the last payment was XX/XX/XXXX, the minimum payment is {$61.00}, and that i am an authorized user. It is maxed out at 147 % credit utilization and a balance of {$730.00} They told me they would gladly accept a payment from me but couldn't tell me ANY other information. I asked to be removed and she told me to cut up my card ( I do not have an authorized user card for this account, but someone else does along with the primary card holder who is unknown )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AES/PHEAA
State: PA

Complaint narrative:
I am in the process of refinancing my house and during the title search 5 liens have appeared on the property in the process of investigating I have found 2 that are not in my name 1 I have identified but 2 I can not identify apparently there under a company that is no longer in business or was sold and can not find where the debt is. The 2 I am concerned about is lines 1 and 3 I know my wife 's we located that and the National Collegiate Trust   has 2 names XXXX XXXX AKA XXXX XXXX XXXX on the last 2 I would like to know how to remove them since they are not in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-19 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have attempted an IRP with Navient. None of the options are the right fit. They just keep placing me on a hard ship forbearance. No other options but to pay the monthly or keep forbearance but if I understand correctly there are only so many of those.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: OH

Complaint narrative:
I received a letter this morning XX/XX/2019 staying my checking account would be closed. After numerous attempts to call and get an explanation none was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
I send a letter on XXXX o f which they received XXXX asking for my medical release forms in which I authorize third parties to have my medical information release with my signature on it included. I had given them 15 days to send them back to me or cease and desist from pursuing the alleged debts also erase all negative remarks from all XXXX credit bureaus. today is XXXX had not receive nothing not even a letter of acknowledgement, no negative remarks on credit report remove or Hippa medical relese forms of which by law they must provide upon request - >. I will upload the letter I send via certified mail with return receipt thx

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I am not familiar with this item and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

* 1 ) XXXX - NO BALANCE LISTED- there is also 2 different open dates on different bureaus from XX/XX/XXXX - XX/XX/2017 this is therefore inaccurate information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: LEXISNEXIS
State: FL

Complaint narrative:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/19 at XXXX XXXX, I called Midland Credit to discussed a Hardship with my XXXX XXXX card. The women that I spoke to asked me why was I delinquent on my account. I informed her that due to my husband having a XXXX, I had to take early retirement Social Security to take care of him and had very little income.she stated that she couldnt help me because my account was with a law firm and than went on to ask me personal questions about my husband and myself! She questioned my ability on why I couldnt continue making payments and belittling me. I expressed to her that she was asking me personal information and it was inappropriate. I asked to speak to her manager and she was the same way!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On approximately XX/XX/2019, my daughter and I purchased a prom dress online from an online store. The dress was supposed to take 7 to 14 business days for us to receive it, however after 2 months we still had not received the dress.. On approximately XX/XX/2019 I reached out to my bank to file a dispute for the missing merchandise. The bank responded that the merchant " PayPal '' has confirmed merchandise was shipped and therefore could not confirm any error occured because the transaction was not fraudulent. 

Once I was notified of the merchant 's information from my bank, I reached out to them ( PayPal ) to inquire on the merchandise being sent or a refund being issued. This was around XX/XX/XXXX approximately. I was advised by a representative at Paypal that they do not sell merchandise and could not do anytging because the bank denied my claim of fraud. I reached back out to my bank to have the claim reopened and I also contacted and filed a complaint with the FDIC ( claim # XXXX ). After several months and many communication, I was advised the bank and FDIC can only contest the validity of the purchase and I would need to reach out to CFTB to file a complaint. 

Prior to contacting you and filing this complaint, I reached out to the merchant ( Paypal ) to again inquire on having a refund or the merchandise so that a return can be processed and was told again they could not assist because the bank had already denied the claim. I advised XXXX that the bank denied the claim because the transaction was not fraudulent, however still no merchandise had been received. She stated it was nothing Paypal could do since the bank denied the claim. I asked to speak with a supervisor and was put on hold for over 30 minutes with no one returning to the line. I have not neen able to get my merchandise ( which I no longer need because my daughter has now graduated and missed her prom ), nor a refund. I simply want my money back at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX charged something against my credit report. When I found it, I call them right away. After they researched it they discovered there mistake. They call me and told me that they would take it off my credit report and also notified the collector. They did remove it from my credit report. The collector continues to call me. They tell me I am lying and that I owe this money. This is very upsetting and causes my XXXX XXXX to raise. 
They will not listen to reason. I think this is harassment. The name of the company is Caine @ Weiner XXXX. Can you help me to get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I am not familiar with this items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

* XXXX - the balance on report says $ XXXX** There also incomplete and inaccurate information pertaining to the open date with 2 listed from XX/XX/2014 to XX/XX/2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: Innovis
State: FL

Complaint narrative:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: ID Analytics, Inc.
State: FL

Complaint narrative:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX I made an online purchase and on XX/XX/XXXX I filed a dispute since I realized I fell victim to a scam. The scam totaled {$700.00} and was split across two transactions. I sent screenshots of chat, phone numbers, transaction ids, and everything I could. I didn't get an answer until XX/XX/19 when they told me " no error occurred '' and that " this matter is closed ''. They didn't provide reasoning why, any partial resolution, or anything. I waited 83 days for them to send me a short message basically saying sorry too bad. I want a full or partial charge back for this transaction. Online scams are very popular nowadays and all of the other banks I've used offer protection. I checked their XXXX and it's horrible. I wish I noticed it prior to setting up an account. I've tried numerous times to resolve this with calls or chats. If I call they say lets setup a chat. If I send a message in chat they don't respond for days and often respond emptily. This is the worst bank I've ever had ... no exaggeration.

Company response to consumer: Closed with explanation