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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed the accuracy of 6 collections accounts that are being reported by TransUnion through the website XXXX XXXX On the Date of XX/XX/2018. The disputes are still pending and I have not received and notification from TransUnion as to why nor have these inaccurate accounts been deleted. I am now requesting Debt validation to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
This complaint form will be my proof of request for DEBT VALIDATION if this matter goes before a judge. 
Furthermore I am requestin that TransUnion provide the information on how they found the disputed accounts to be accurate if they do find them to be. 

The following is taken off of XXXX TransUnion received your request on XX/XX/2018 and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : 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 explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
someone scan my debit card info out of the a XXXX gas station ( XXXX XXXX and XXXX XXXX in XXXX XXXX CA ( this is according to the Chase Bank representative ) on XX/XX/XXXX someone withdraw about XXXX dollars out of my checking account in 4 transactions XXXX, XXXX, XXXX and XXXX. None of these was made by me. 

Chase refunded all but on transaction of XXXX, because according to then the geographic location and the fact that i previously had withdrawn money from the ATM proves to then that I was the one doing the transsaction. 

When I tray to escalate the claim, they ask me to file a police report, which i did on XX/XX/XXXX. I took the report case number back to the bank, but they now the answer is that for them the case is close and only if the get a subpoena to see the video tape of the ATM in question will reopen the case

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Debt was paid on XX/XX/XXXX, received court summons on XX/XX/XXXX. On XX/XX/XXXX contacted XXXX XXXXXXXX XXXX XXXX placed the call at XXXX, was transferred multiple times and talked to XXXX XXXX who placed me on mute and ignored me. Before doing so XXXX advised the account is closed and paid in full but can not tell me when a dismissal was sent but it was sent. Im being sued for a debt that has already been collected, and they refuse to issue the dismissal to the court and told me to call to dismiss. I can not dismiss this court case now I have to waste my time going to the court house to defend myself against this debt collector who wants to collect twice.

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 was paid
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AmSher Collection Services is erroneously reporting to the consumer credit reporting agencies ( i.e. XXXX, XXXX ) that I have an account in collection regarding XXXX. 

I have had several debt collection agencies call about this, including one in Alabama claiming to be from the " XXXX XXXX XXXX XXXX XXXX. '' Apparently this is some skeezy law firm connected with AmSher. I explained to the collector there, I was XXXX XXXX military and assigned to a XXXX in XXXX. I discontinued service with XXXX at that point. I received a {$0.00} balance letter from them. I switched carriers. Somehow, some way, XXXX sent a " debt '' for collection. 

I have also talked to AmSher and explained the same. I checked my credit reports and I don't see the item having been removed, or even so much as AmSher reporting the account " disputed, '' which, when I talked to a consumer rights attorney, said that alone violated the FDCPA. When I spoke with AmSher, they told me a needed a confirmation number for payment to XXXX. I contacted XXXX AGAIN to verify the {$0.00} balance with a confirmation number. They, ONCE AGAIN, verified that I owed them nothing. I passed this number along to Amsher who then refused to accept this fact and continued to report the debt to my credit. I have done everything in my power and more to get this situation fixed and Amsher is simply refusing to do what's right. They are obviously not doing their part to verify the debt with each of my disputes, and that is not ok.

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check to avoid any overdraft fees. Chase said the deposit came in 11 mins too late and would not reverse fees. I have been a great outstanding customer for 10 years. They refuse to help. I spoke to 4 different managers. 

I was charged {$70.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint to CFPB - XXXX - regarding a debt that National Credit Systems has been trying to recover for over a year. I submitted all my documentation of proof of payment and on XX/XX/XXXX NCS responded to my complaint with the following : " XXXX XXXX never sent us the documentation you included with this dispute. Given the documents you have provided, we will cease our collection activity and close this account. '' A week later, today, I receive a phone call from NCS, once again trying to collect the already paid debt, which was supposed to be an already " closed account. '' Attempt to collect was made today, XX/XX/XXXX at XXXX XXXX made by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: CA

Complaint narrative:
I filed a complaint through CFPB about a questionable charge and late charge on my credit card from XX/XX/XXXX which prompted a response back from Citigroup on XX/XX/XXXX. The person contacted advised me they could not make a goodwill adjustment with no explanation as to why. 

For more detail, on XX/XX/XXXX, I faxed over a request to Citigroup for a goodwill adjustment to my credit score for late charges related to a past due charge from XX/XX/XXXX. The amount was for {$100.00} which I didn't make to some foreign company. 

Ultimately, I was not aware of this charge until an email notification came in on XX/XX/XXXX. I had no idea this charge was pending otherwise I would have handled immediately as I have with all other purchases. Once the email came in, payment was processed the same day and I have not had any other late payment notifications on this account which I have had since XX/XX/XXXX. I have also continued making all payments on time since XX/XX/XXXX. 

I have recently looked into taking on a mortgage to own a house and noticed that this late charge is the sole driver having a negative impact on my credit report/score. As I mentioned in my complaint, given I have been a member of Citigroup since XX/XX/XXXX ( 7 years ) and my payment history before and after this late charge has been timely, I am reaching out to request a possible goodwill adjustment to remove this late payment notification for the credit bureaus and repair my current credit score. 

To date and with exception of the call in XX/XX/XXXX, my experience with Citigroup has been very positive and Im very appreciative of the support and services so far. I'm hoping this can be resolved and I can continue my regular and timely use of services from Citigroup.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
On XX/XX/XXXX Citizens Bank credited {$1500.00} to my checking account from my XXXX XXXX credit account. I did not authorize this credit and had not filed a complaint with Citizens Bank which would have triggered this type of transaction. I called XXXX XXXX to see why this had happened, they told me that the transaction was initiated by Citizens Banks, so I called Citizens Bank where I was told that I had initiated the complaint which triggered the credit at a local branch in XXXX, VT. I went to the local branch the next Monday to confirm that the complaint had been made from them, since I did not remember making this complaint. The bank tellers at this location let me know that they did not file a complaint on behalf of my account and they could not have done so with out my permission. I called Citizens Bank customer service again where I complained about a transaction being made to my account without my authorizations. I received a call from someone named XXXX from the the office of the chairman, XXXX, he told me that he would look into this, but told me that the complaint that I had submitted was actually done by telephone and not through the branch. I asked him to locate the call and to see if I had in fact made a complaint. XXXX told me he would get back to me by XX/XX/XXXX. XX/XX/XXXX I emailed him to ask why he hadn't followed up. He still did not call me back. On XX/XX/XXXX I received a document from Citizens Bank in the mail with the title " Written Authorization of Unauthorized Debit. '' The intent of the letter which, I have attached, was actually to get me to sign a document saying that I had filed a complaint which triggered Citizens Bank to credit my account {$1500.00} on XX/XX/XXXX. I emailed XXXX immediately to ask what this was about. XXXX called me back to let me know that the case had been closed and that it was determined I had filed a complaint. I asked if he found the phone conversation where I did make the complaint. He informed me that he didn't and that there was no record of my call. I asked him to go and find the call and find evidence that I had in fact made a complaint. He told me he would get back to me on Friday XX/XX/XXXX. XXXX still has yet to get back to me despite multiple efforts on my part to get in touch with him I am complaining because Citizens Bank filed a complaint on my behalf, authorized the credit of {$1500.00} into my account which caused late fee and interest fees from XXXX XXXX, all of this without my permission. They later tried to get me to retroactively sign a complaint form to cover for their own mistake, and now are not communicating with me at all to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
XX/XX/2017 I was hospitalized due to old military XXXX XXXX issues I was un aware va would not cover the hospital visits I have tried to work with the company and the va and I just am going threw medical issues and financial Hardship at this time and can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This is an update to my complaint that was filed on XX/XX/XXXX. Upon learning of this debt from a bank levy, I have contacted the company numerous times and also the court officer who advise me to contact the debt collection agency. My bank account was garnished for the total amount of the debt from 2 separate bank accounts ( TWICE ). I have contacted the company to validate the debt which was from XX/XX/XXXX. They only told me I was notified and " they attempted to call '' but when asked what number did they try to contact me, they responded " they called. I was never notified of this judgement from XX/XX/XXXX properly and can prove my addresses over the years. The money that was levied was also funds that I received for my daughter from Social Security. I was told from a representative from the company to provided bank statements, proof of the social security funds and then I was told to disregard sending in the information and to call back later in the week. I only have a docket # XXXX XXXXXXXX XXXX. This account was not handled properly and I want them to release the funds that was improperly took from BOTH accounts. The count officer suggest that I follow up with the courts to have the money release. I'm sure the company can see that they took the money from two different accounts. Please prove that I was notified of this judgement, because I can prove that I was not notified properly.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a few complaints that I am submitting about XXXX  credit reporting agency. The first issue I have is XXXX XXXX XXXX that is reporting as a charge off account I have submitted a police report years ago about this account was involved with identity theft. I also submitted recently an affidavit for this account again. My next complaint is about XXXX account this account was paid off in full in 2015 in the amount of {$380.00} My next issue is XXXX  XXXX XXXX XXXX that has been removed and deleted off my report but now is reporting again. This account was verified to be removed it should not have been put back onto my report.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have contacted our Mortgage provider ( Citi Mortgage ) sometime last year to request cancellation of my Mortgage Insurance Premium. I was told that even though I have met the 78 % loan-to-value ratio, I still needed to meet the five-year criteria ( from loan origination ) to be eligible. I was then told to call on XX/XX/XXXX to make the request, because it will be during that time that the five-year criteria would be met. So on XX/XX/XXXX, I placed a call to the company and requested cancellation of the MIP. The representative informed me that I was indeed eligible and that I should receive a letter stating so. I was told that I was to sign the document and send it back. I waited for the letter only to be informed that I was ineligible to discontinue MIP. I was told in the letter that the five-year requirement will be met once the MIP is paid in XX/XX/XXXX. I then contacted the company on XX/XX/XXXX because of the conflicting information. I was then told that my XX/XX/XXXX will pay the XX/XX/XXXX MIP. The letter did not specify or explain how this works. I have spoken to 2 representatives and 1 supervisor who only can say how sorry they were about the incorrect information. I asked for them to reconsider since I have made additional payments for years now ( have met the 78 % L-V ratio since XX/XX/XXXX ), has never missed a payment, and if what they are saying is correct, I only have 1 month left to qualify but they don't seem to want to reconsider.Thank you for your assistance.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I take VERY good care of my credit score and monitor it weekly. There are two HARD pulls on my credit, neither of which I authorized or had knowledge of. One, an online retailer - XXXX XXXX that I've had an account with for over a decade, with charges usually less than {$100.00} and which I have attempted repeatedly to get them to remove this hard pull, to no avail and the other from XXXX, a network cable company that I do not have, have never had and certainly NEVER allowed to do a hard pull on my credit. 

I wish to have both of these removed from my credit report as they are both without my permission or knowledge. I did not request credit from either of these businesses, and I have since cancelled any association with XXXX XXXX. A hard pull must be by permission of the individual ONLY and us usually reserved for large purchases only. 

I've done my homework and neither one of these places are working within the law in this instance. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have Barclays XXXX Visa card. I was late on one payment. They without warning cancelled and closed my account. They then informed my interest rate would be 21.24 %. They informed me the only way I would qualify for a lower payment is if I had a hardship and failed to make payments. I explained to them I had a significant hardship, but I am now current on my payments. They stated the account would have to be in collection in order to get a lower interest rate. I explained to them that made no sense that because I am current on my payments now they can not restore my credit or lower my rate. The representative even agreed the system made no sense, but she was bound by the banks rules and they can not make exceptions for one particular person.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I applied online on XX/XX/XXXX for a Citibank Simplicity card with 18 months 0 % APR for purchases but was given a Citibank Double Cash card instead.

I called Citibank support today ( XX/XX/XXXX ) after noticing that I received an interest charge on my first month. I was not given the ability to switch over to the correct account type.

I believe Citibank actively offers the Simplicity card online then bait and switches customers with Double Cash card in order to trick customers into paying interest charges on purchases they believe to be interest-free for 18 months.

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 2018-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MO

Complaint narrative:
I was told by discover that because they did not receive personnel information even though I showed them I sent them the information on there XXXX there was XXXX balance and now the credit report agency is holding it against me because I was told by discover because I was in the hospital and they did not receive they can not do nothing but hold this against me I think this is unfair when the card had a XXXX balance and I tried to explain it its discriminating an individual

Company response to consumer: Closed with explanation