vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Urgent!! Citi bank scammed me. After few months of Bussiness. Difficulty to log in. Managed to transfer money to them from the saving of my kids. Then I try to buy car XXXX they hold the check and Bounce it twice caused me a grief list of time and money with XXXX XXXX  made in XXXX  ( XXXX,, XXXX customer service ) Shame if bank then banker XXXX XXXX another failure that working there. Offering to wire money then we need to fight with them for days they claim that I dont have phone on public records so they cant approved it. I explained them I dont have a social. In only student and mom for kids I dont have a phone only this number XXXX they so unprofessional and shameful bank now they holding me XXXX $ XXXX dollar while all wires before done from my kids saving nothing changes This is a scam back and I am sure there is federal violation here by them not letting me to withdraw my founds back!! 
There is federal regulation about that fir sure but they doing whatever they want you need to Force first to return my money with all maximum interest and then I will find a lawyer to sue them Please help me ASAP 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 2021-04-23 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. Verato/Dept of Justice on XX/XX/XXXX 2. Experian Business Cred on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. Jpmcb Card on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX XXXX on XX/XX/XXXX 8. XXXX on XX/XX/XXXX 9. XXXX XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates
State: GA

Complaint narrative:
Hello, this is information pertaining to Original Account # XXXX Hillcrest Davidson Account : XXXX To whom it may concern, My father, XXXX XXXX XXXX, received a letter saying that {$740.00} was owed for a security system from Alder in 2015. 

XXXX manipulated my father and it veered onto the path of outright exploitation. 

My father is almost XXXX years old, extremely hard of hearing and is legally XXXX. 

My father was sitting on " his '' porch, when approached by XXXX young men from XXXX. XXXX was my father 's previous security company. When approached by XXXX, he thought it was XXXX and was not corrected and unknowingly and needlessly spent money with this new security company. 

When I returned to his home and saw what had happened, I got in touch with Vivint immediately. They came over and I saw that these young men had my father sign a contract. I was infuriated. He was not in the right state to sign a contract alone! The XXXX employee had the contract my father signed rescinded and within 3 days, a Vivint employee took the equipment to the post office and sent it back to XXXX. This was XX/XX/2015. 

I was so disturbed that I contacted the Florida Department of Consumer Affairs for Elder Abuse. I filed a complaint and now XXXX XXXX years later you are accusing my father of THEFT after he was manipulated into signing a contract by XXXX employees. Again, he is legally XXXX, hard of hearing and in his XXXX. Why would this ever be okay to have him sign a contract? It is SHAMEFUL! 

I trust and hope you will handle this issue. Not only was the contract rescinded within 3 days of signing but also the equipment was sent back by an ALDER employee. My father, who is currently in the hospital, should not be getting correspondence from you all accusing him of any crime due to the exploitation of XXXX employees of an elderly man. The onus is on the company. Please fix this issue and leave us alone in peace. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: OH

Complaint narrative:
discover bank has falsified debt collection against me, so they obtained judgement against me in Ohio state on XX/XX/XXXX, while I was live in anther state so they have used unethical attorney to falsified address for me in Ohio that i have never ever lived in. and some how they obtained that judgement against me on XX/XX/XXXX, I have prove of address that I have never lived there plus they are demanding that money frorm person called XXXX XXXX, XXXX A BUT MY NAME IS { XXXX XXXX XXXX } SO THEY HAVE FILED WITH THE COURT TO GRANISHEMENT MY WAGES ON XX/XX/XXXX, SO EVERY THING WAS FRAUD TO GET OVER MY WAGES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Syncrony bank was one of my accounts.

Ill start from beginning when they gave me this card my fica score was prolly low ok Ive been rebuilding my credit but in my opinion its unfair anyway I have credit cards with low limits that can be used in one time and then it puts one credit usage high abs lowers the score my score would go to XXXX etc then back down to XXXX etc and I feel that unfair but thats not what Im complaining about, what Im Complaining about is Syncrony bank gave me a account and I paid that account on time every month for yr or so then they closed my account shut my online statements off where I couldnt get online to pay or see what to pay they never sent a statement out until somewhere around three or four months I can prove through cause I have XXXX app there are pictures of my mail daily ok then they reported me over 39 days then over 60 days and so fourth and ruined my credit I actually am not ever worring bout the unfair credit system but they got me XXXX something dollars where my limit was only a XXXX dollars owed Im needing some help with this because I feel that Im not the only one they did this to my if they think that I believe they dont have people with lower scores than I have especially with the last yr of pandemic where people arent even working etc I dont believe that but This needs to be investigated.

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 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Law Offices of Timothy E. Baxter & Associates, P.C.
State: MI

Complaint narrative:
On XX/XX/XXXX the law office of timothy pulled my credit report without my consent. I've never heard of this company or to my knowledge never done business with this company so I'm not sure why they would be request my credit report without my consent. 

On XX/XX/XXXX the law offices of timothy pulled my credit report again without my consent on XX/XX/XXXX i contacted Experian and let them know about these unauthorized inquires and they told me they could pull my credit if i owed them a debt and i know that's not true this is against fdcpa

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc
State: MD

Complaint narrative:
There has been an invasion of my individual privacy pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 by the debt collection company Synergetic Communication Inc. Congress states and has declared abusive debt collection practices contribute to an invasion of individual privacy. The debt collection company Synergetic Communications Inc, has violated the following list of federally protected consumer rights : Pursuant to 15 U.S. Code 1692b ( 1 ), Synergetic Communication , Inc. requested my location information without direct permission instead of confirming and refused to identify themselves.

Pursuant to 15 U.S. Code 1692b ( 2 ), Synergetic Communication , Inc. stated that I owed debt.

Pursuant to 15 U.S. Code 1692b ( 3 ), Synergetic Communication , Inc. attempted to communicate using my location information several times resulting in harassment without direct request.

Pursuant to 15 U.S. Code 1692b ( 4 ), Synergetic Communication , Inc. communicated to me by post card using my location information without direct request.

Pursuant to 15 U.S. Code 1692b ( 5 ), Synergetic Communication , Inc. used several envelopes with their language, symbol, and contents of mail stating the collection of a debt without direct permission.

Synergetic Communication , Inc. did not have my direct permission or consent to contact me pursuant to 15 U.S. Code 1692c ( a ).

Synergetic Communication, Inc. inconveniently contacted me several times throughout the day pursuant to 15 U.S. Code 1692c ( a ).

Pursuant to 15 U.S. Code 1692d ( 4 ) Synergetic Communication , Inc. continued to call and make threats of repossession, which is obscene language and harassment.

Pursuant to 15 U.S. Code 1692d ( 5 ) Synergetic Communication , Inc. made my phone ring repeatedly and at inconvenient times without direct permission.

Pursuant to 15 U.S. Code 1692e ( 2 ), Synergetic Communication , Inc. gave a false representation of the character and amount.

Pursuant to 15 U.S. Code 1692e ( 7 ), Synergetic Communication , Inc. implicated that I committed a crime, as a consumer.

Pursuant to 15 U.S. Code 1692e ( 10 ), Synergetic Communication , Inc. used deceptive means to obtain information.

Pursuant to 15 U.S. Code 1692j ( a ), Synergetic Communication , Inc. furnished a deceptive form and is liable pursuant to 15 U.S. Code 1692j ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party ( CMRE ). I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2021-04-23 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
These accounts were sold. According to my findings, I am no longer liable for the supposed debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
Financed a sofa and bed with this company. Paid off principal with interest and then settled, company still saying I owe them money and despite request to stop debiting my checking account, they continue to try and do so

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23 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: ERC
State: TX

Complaint narrative:
These accounts were sold. According to my findings, I am no longer liable for the supposed debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CL Holdings LLC
State: TX

Complaint narrative:
These accounts were sold. According to my findings, I am no longer liable for the supposed debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is claiming that I owe them {$550.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: EVERBANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
IRA Requested transfer rollover From TIAA to XXXX. Advised of CD Maturity XX/XX/2021 Process initiated XXXX, XXXX. Within 10 day grace period. Tranfer forms by USPS, FAX and XXXX  XXXX. 
I am dealing with XXXX initially spoke with multiple Client specialist with little information. 15 plus calls to TIAA. Average call duration 45 mins. Multiple holds for greater than 15 mins. 
Others at TIAA ; XXXX XXXX, XXXX XXXX and XXXX XXXX. 
-No holding money market or cash account available at TIAA for mature CD for IRA 's according to Client specialist by phone. 
-TIAA Rolled over my IRA into an extended 42 month CD against my wishes. 
-Initial email from TIAA requesting XXXX signature not received. My requested copy of email sent on XX/XX/2021. This delayed processing. 
-Inconsistent information. Always " no penalty if transfer/rollover process began within 10 after IRA/CD maturity. 
-Now penalties imposed going back pre-renewal of Bank imposed CD renewal. 
I should not have penalty fees after interest earned was credited to the Original EverBank 42 Month Bump Rate CD. I did not want the New TIAA bank to extend the CD another 42 months. They forced the renewal due to the lack af a cash/money-market account for IRA/CD 's at maturity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: MA

Complaint narrative:
My complaint is against the citi credit card company.I made a payment for {$720.00} it was put in twice I dont know how so I called the credit card company to let them know that they took the payment out twice so they told me To dispute it and the money will go back to my account. 
So I did that like five days go by I take my daughter to the movies and I go use the credit card and its not working they told me when I call that it was not activated because insufficient funds of the {$720.00} that I took back that they took out two times One of the {$720.00} was taken out on XX/XX/2021 And the next one came out on XX/XX/2021 So we have been going back-and-forth for a few days now so now They tell me my account was closed because insufficient funds and a lot of late fees but if thats the case how can a diss activate my card for late fees that happened in the pass I dont see how they can do that The last payment I made was for the {$720.00} and I believe I made that payment before it was even time to make the payment I feel I am being discriminated against And I should not feel this way specially if I did not do nothing to cause my account to close only thing I did was take my money back that was took out two times

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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MS SERVICES LLC
State: IA

Complaint narrative:
Ive disputed several times under the premise of no contract with that collection agency and theyve sent me statements and a document from a different company. I have no contract nor obligation to this collection company so therefore I need this deleted off of my credit report

Company response to consumer: Closed with explanation