vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made an agreement with Macy 's, back in XX/XX/XXXX, to keep a couch that the material was defective, and they would give me a credit of {$550.00}. This appeared on my credit card statement, but on XX/XX/XXXX, I received a check for this amount under my husband 's name. My husband passed away on XX/XX/XXXX, therefore I could not cash the check due to the fact that I no longer had a checking account with him. I called Macy 's and was told that the account was joint and that I was entitled to a new check. That is when the trouble started! They credited my Macy 's credit card with the {$550.00}, on XX/XX/XXXX. The next statement I received it showed that I owed {$550.00}. I have spoken to multiple people even sent multiple certified letters to the Citibank, which is the bank that issued the credit card. A year later I still have not been able to resolve this issue. I just spoke to someone at the Citibank office and was told there was a resolution and it went to the banks side, I asked what does that mean? I was told that I owe that money! I was never contacted about this so called " RESOLUTION '' I am at the end of my rope I ca n't speak to anyone that knows anything. And at this point I do n't want the money, I want this issue cleared and close my account with Macy 's. I have an excellent credit score and this is not helping me. I need for someone to please help me!

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 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX I call Bank of America- Merrill Lynch for information on my balance owed on my VISA Signature ( Merrill+ ) credit card. The automated service quotes me a current balance on my account : {$1800.00}. So I intended to make a phone payment of {$1800.00}. When I chose the option to make a payment, the automated service quotes me the amount of {$1900.00}. This amount was not current but based off the statement datedXX/XX/XXXXXXXXXX/XX/XXXX. I received a credit from a merchant : XXXX for {$42.00} on XX/XX/XXXX, and another credit from them for {$7.00} on XX/XX/XXXX that was yet to be reflected in my statement for the following month. I was informed by Bank of America, I would receive a finance charge if I only paid the {$1800.00}, which would have brought my account to a {$0.00} balance. I had a {$0.00} balance on the previous statement. So, essentially, I would have to pay more than my current balance and have a credit of {$50.00} on my account to avoid a finance charge, even though that amount has already been credited on my account. If credits affect my current balance, then I should not be paying finance charges for bringing my balance to a {$0.00} balance. I was told by XXXX, a supervisor that Bank of America does not acknowledge credits to the account even if they are reflected in the current balance. Bank of America is misleading their customers by having their automated system state a customer 's current balance without a disclaimer stating that the full amount of the statement must be paid even if there has been a credit on the account. This racks up huge interest charges for Bank of America because the automated message regarding account balance potentially presents two different balances without explanation or instruction. What if I had bought a large item like a boat for {$5000.00} with my Visa, returned the boat due to faulty mechanism, the {$5000.00} credited to my Visa account within two days after the statement. Would I then need to pay {$5000.00} toward my now current balance of {$0.00} to avoid a 10.00 APR interest fee on my account? This is fraudulent and misleading. What right minded person would pay more than they owe when the balance is {$0.00}? Bank of America-Merrill Lynch is scooping up the millions in interest fees because they have mislead their customers to think they should make a payment based upon their current balance. Bank of America- Merrill Lynch is capitalizing on their automated services to keep customers from knowing what would keep them from paying unnecessary interest fees.

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 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am working with a settlement company. I have had 4 different companies try to collect on the part of the debt that should be written off. I have also had the settlement company claim that they reached an agreement with the company but not record the payment that the settlement company should have sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: WA

Complaint narrative:
This is not a duplicate complaint. In a prior complaint, XXXX inaccurately reported prior information that a paid charge off had a balance due to XXXX and XXXX. XXXX responded to that complaint by re-correcting those tradelines, although they should have been deleted. Now, XXXX is inaccurately reporting that same inaccurate prior information that a paid chargeoff has a balance to Experian. This occurred on XX/XX/XXXX. I have attached the accurate reporting as of XX/XX/XXXX, and the new inaccurate reporting as of XX/XX/XXXX. Experian 's system does not allow me to dispute this issue since I disputed it the first time this occurred and experian thinks this is a duplicative dispute, which it is not. XXXX previously corrected but has now reverted the data to be inaccurate again. As 30 days have passed and the information is inaccurate, it must be deleted according to the FCRA. This is a repetitious and ongoing problem for XXXX, and thus far the bank has not taken corrective action that prevents inaccurate reporting of prior information on its tradelines to the 3 credit bureaus. I recommend the CFPB investigate whether this is an ongoing problem at XXXX that affects numerous consumers besides myself.

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 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
On XX/XX/XXXX, I applied for a Barclaycard Visa with XXXX XXXX. Please note that I already hold a MasterCard  issued by Barclays and that my FICO score is in excess of XXXX. On XX/XX/XXXX, I received a letter requesting copies of my social security card, driver 's license and bank statement or utility bill with my name and address. I contacted Barclays and they told me that these documents were required to establish my identity. After that conversation, I copied these sensitive documents and mailed them to Barclays as requested. On XX/XX/XXXX, I mailed copies of my social security card, drivers license, bank statement, electric bill and a copy of my owner information and parcel description from the XXXX XXXX Real Property Tax Records. Throughout the month of XXXX, I have made numerous calls to Barclays and asked for the status of my application or to return my identification documents to me. They have done neither. Meanwhile, I received letters dated XX/XX/XXXX & XX/XX/XXXX requesting the information that I have previously sent to Barclays! Today, I called Barclays and this time, I was told that application was denied but the representative could not tell me the basis for the denial. Meanwhile, I am extremely worried that Barclays has lost my identification documents and I am at serious risk of identity theft due to their incompetence. Also, I am very concerned about the effect that a denial of credit will have on my FICO score. I have spent a lifetime maintaining a stellar credit rating which is now being jeopardized by Barclay 's negligence. Finally, please note that I am a senior citizen and that I believe that I am also a victim of age-related credit discrimination.

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 2017-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX and XXXX has sued me without providing any information to me. The only notification I got was from the court saying I was being sued. The debt was owed to Bank of America for a credit card I struggled to pay. The amount was over {$2500.00}. I immediately called them to talk to them and find out more about what was going on. I set up a payment plan and began to pay. I ran into a hardship and was unable to pay one month and they immediately went to the court to get an order to garnish my bank account, both checking and savings. They stole over {$2000.00} in my student loan money without notice. From what I 've read, that in itself is illegal, to take federal student loan money. They blamed the bank for the amount of money they took and said it was up to them. I checked this with the bank and they vehemently denied that and said that they were only doing what the court order said. They refused to release the funds back to me and continued on their business. I once again set up a payment plan. This time I had learned a lesson and was faithful to my payment plan. The agreement was to pay {$50.00} every month at the end of the month. I did so, yet after I made my second payment to them, they garnished my bank accounts once again. I was told that once I made an agreement to pay monthly installments, this would n't happen. Needless to say, I am beyond furious because this is the second time they have taken every penny from me and left me without rent money, jeopardizing my housing situation. I believe this is poor conduct and probably illegal. I called them after finding out about them draining my account and they would n't talk to me about why this has happened. They say there was no payment agreement in place but I explicitly remember having a conversation with XXXX XXXX. He failed to put that in place or to even make a notation on my account to indicate such an arrangement.

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 2017-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I received several calls from Bridgecrest ( formerly XXXX XXXX ) requesting payment. Repeated calls 5-7 times a day from various phone numbers. When I have answered the call the company reps never identify themselves or state the debt collection statement that informs me they are collecting a debt. This leads me to doubt their identity and/or believe they are violating my safety and rights as a consumer

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 2017-08-22 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: AL

Complaint narrative:
I paid off XXXX XXXX XXXX XXXX or XXXX on XXXX ( XXXX or XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact XXXX, TransUnion and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested XXXX to remove XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. I requested TransUnion to remove XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX 1XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/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 2017-08-22 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This complaint is regarding PayPal Credit formerly XXXX XXXX XXXX. I have been a consumer of this account I believe for more than 10 years ... The account remaining in good standing. Since PayPal Credit has taken over the account there seems to now be issues with the company receiving my payments in a timely manner. This has and is causing my account to occur late fees. It appears the action of not receiving the payments on time is being done sporadically. I have since closed the account after complaining to the company and they informing me there is nothing they can do about the problem. Payment was mailed on XX/XX/XXXX for a payment date of XX/XX/XXXX. Payment never received and not returned undeliverable. Payment mailed XX/XX/XXXX for a payment due date of XX/XX/XXXX. Payment never received and not returned as undeliverable. Payment mailed XX/XX/XXXX for due date of XX/XX/XXXX. As of XX/XX/XXXX payment has not be received. I believe all of these payments were mailed in more than enough time to be received as similar payments have been made to the same company on or around the same dates and those payments were received on time. XX/XX/XXXX payment was mailed XX/XX/XXXX and cleared on XX/XX/XXXX and XX/XX/XXXX payment mailed XX/XX/XXXX XX/XX/XXXX and cleared XX/XX/XXXX.  The only thing that was suggested to me to avoid late fees on the account was to either call in payment or set up an online account to a sure on time payments. The consumer should not have to be FORCED to call in or pay online to avoid late fees when payments are, being mailed in a timely manner, because business has no payment centers to receive payments other than the above options. I am filing this compliant because I believe this is a deliberate attempt to get the consumer to stop making payments via paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX account was closed in XXXX of 2016. XXXX XXXX XXXX claimed that I owed {$170.00} for equipment that was not returned. I still had the equipment in question but XXXX XXXX XXXX sent the return box to my old address. I finally resolved this after many hours of wasted time and they sent the return box to my correct new address, after which I returned the equipment the next day. I kept the USPS tracking documents to prove that it was returned. XXXX XXXX XXXX finally admitted their mistake and removed the balance of my account. The XXXX XXXX XXXX representative reversed the amount and my account statement from XXXX XXXX XXXX shows that I owe them {$0.00}. A credit reporting agency called Diversified Consultants Inc. has been sending me multiple collection letters and harassing me with multiple phone calls during the day and night in an attempt to collect the debt in question that was cleared by XXXX XXXX XXXX. I sent a debt verification letter to Diversified Consultants to let them know I was disputing their claim that the debt was stilled owed. They sent me the attached file with the claim that I still owed this debt, even though the attachment that they included shows an amount owed = {$0.00}. This company is incompetent or dishonest since by their own proof, they are trying to collect an amount that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: TN

Complaint narrative:
Im not sure what this medical bill is for being Ive not received any mail stating I owe them XXXX,XXXX,XXXX & XXXX dollars..The opening ddats on my credit report states it was on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX..I have gone thru a divorce & at those times of dates I was from homeless shelters being I had no family friends to help me ... I am trying to take care of my bills along with fixing my credit so that I can rent a place being I live in a hotel because no one will rent to me because of mostly medical bills on my credit 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 2017-08-22 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: NY

Complaint narrative:
In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and XXXX XXXX. these accounts are not mine they belong to my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX, I received a phone call from XXXX XXXX with XXXX XXXX with a phone number listed as unavailable. She informed me that I was being served for a civil matter and asked if I was home. I told her I was not home and that I was at work. She then gave me the phone number ( XXXX ) XXXX to call for any questions and that she was only needing to verify my employment and if I was home. She then disconnected the call without being provided any of my employment information. At XXXX on XX/XX/XXXX I called the number provided by XXXX . XXXX  XXXX XXXX answered and informed me that I was being served papers for a debt from XXXX XXXX from XX/XX/XXXX. He said that a letter was sent to a home on XXXX XXXX . He then asked if I would like to resolve the debt. I told him I have never received any information about this and would like to provide him my current address. He then told me I would have my day in court and then disconnected the call. After speaking to both XXXX and XXXX and confirming my contact information was updated with them they proceeded to contact my husband, mother in law, Father in law and my employer. My family was told that they were being contacted because I could not be reached. My husband 's parents, who are also his employers and my employer were also told that My husband and I were both being served with legal paper to our work places. The phone call to my father in law was around XXXX and the phone call to my mother was at XXXX. The email I received from my employer came at XXXX. At this time I consider the numerous phone calls, unnecessary, harassing and humiliating. These collection tactics are also placing my employment at jeopardy as these types of persona financial calls are not allowed on the company phone. I have attempted to call the number back and there is no answer. I am asking that this stop immediately.

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
Consumer complaint received 2017-08-22 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: NY

Complaint narrative:
In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and  XXXX XXXX. these accounts are not mine they belong to my wife.

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 2017-08-22 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: NY

Complaint narrative:
In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and  XXXX XXXX. these accounts are not mine they belong to my wife.

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 2017-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Kohls Card and made one purchase on the date I opened it. I never received the card it was sent to XXXX XXXX XXXX, XXXX XXXX California, I reported this to Kohls, who said they would do an investigation and look at video and signatures. I received a letter with the account charges. None of the signatures match the original signature of the day of my first purchase. I just receive a letter dated X/XX/2017. Stating that an investigation was completed and no fraud was found. The signatures do not match, an I have not set foot in a Kohls store after my first purchase. I would like for this investigation to be completed thoroughly. Please look at the signatures! they are not mine they do not match the original when I opened the account.

Company response to consumer: Closed with explanation