vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I moved to XXXX from XXXX in XXXX I open a Cable link with XXXX company in XXXX XXXX XXXX in a lease rental vacation Home. 

I was not happy with the Tv channels, so i cancel the TV channels on XX/XX/XXXX and returned their Equipment. I kept the Internet connection for my work. 

I moved from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX in XX/XX/XXXX. I closed the Internet account with XXXX and paid the balance owe of XXXX dollars and returned the internet modem equipment to their XXXX XXXX XXXX  branch. I was told My balance was paid in full since I only had the internet only. 

i been getting harrasment calls from debt collectors at my work phone, and got a message from my credit reporting company XXXX. The collection company has included a back mark on my Credit report for {$88.00} Dollars. This debt does not belong to me and should not be in my credit report, XXXX and Credit management LP in XXXX Texas creditor account XXXX Refrence XXXX This debt is not mine, I have try talking with XXXX  and they wont talk with since the account is closed. Not my debt, collection Company has ruin my credit. 

I need your help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 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: NJ

Complaint narrative:
I have always paid this account on time

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 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have in my possession evidences and proof that show actions of common law fraud, unjust enrichment, and restitution ; Fair Debt Collection Practices Act ( FDCPA ) violations ; Fair Credit Reporting Act ( FCRA ) violations ; counts of Racketeer Influenced and Corrupt Organizations Act ( RICO ) violations, GRAMMLEACHBLILEY ACT ( GLBA ) violations and CCPA ( California Consumer Privacy Act ) by all parties involved listed above. 

XX/XX/2019, I received a copy of my full credit report via XXXX and noticed immediately, major errors with four accounts associated with the name or variations of the name XXXX XXXX, XXXX  and 12 Capital One. I wrote letters via Certified mail requesting validation of the four separate entities that were listed as they were respectfully listed. Please be advised that the information reported about these three accounts was purposely entered to be misleading, incorrect and incomplete. 

Capital Ones website states this account was never assigned to XXXX XXXX XXXX, XXXX. As stated on Capital One records for the account ending in XXXX, it is stated Your account has been charged off and has been acquired by another party. Blacks Law Dictionary Second Edition defines the term, Acquire as, The action of buying or gaining the possession of property. That party is listed XXXX XXXX XXXX XXXX, - XXXX. 

XXXX XXXX XXXX XXXX failed in their legal obligated duty as debt buyers to notify me when they purchased my debt from Capital One ( along with my nonpublic Personal Information ). This notice would have allowed me a window to dispute any duplicate accounts or validity. Subsequently, by not being disputed, they then became account stated. Meaning they created a new contract unbeknownst to me with XXXX XXXX XXXX XXXX for every tradeline listed on my credit report. Fortunately, I did dispute these accounts during that time with XXXX XXXX. XXXX XXXX had the tradeline Capital One Bank USA removed from XXXX  and XXXX  but remained on XXXX. This is the reason why when I received my credit report on XX/XX/2019, the account listed as, 12 CAPITAL ONE N.A, the comment says disputed my customer. The name was just changed. 

XXXX XXXX XXXX XXXX, currently has 86 companies and 74 people registered at the address of XXXX XXXX XXXX XXXX, SC XXXX, all of who seem to operate and function in different roles in each different company, all who of which are to be included but not limited to being included in this notice of intent to sue .The XXXX XXXX owns XXXX XXXX XXXX , where XXXX XXXX is CEO/Owner/Founder, XXXX XXXX XXXX plus others,. This confusing chain of ownership is proof beyond unreasonable doubt that alter egos of these companies exist and the principle business of the affiliates is debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
There was an unauthorized purchase {$1800.00} for a Google Pixel book and ear buds made in my Google pay account on XX/XX/2019. The goods was delivered to XXXX XXXX XXXX XXXX, XXXX TX XXXX and signed by XXXX XXXX on XX/XX/2019 by XXXX. I filed dispute claims twice to Google Pay for the unauthorized charge, but Google refused to refund me by saying We were unable to confirm fraudulent activity on the purchases. Often, these purchases were made by a family member or friend. I have never used my Google pay in my life and I have no idea about the delivery address and the person. I have never lived there. I can see My Google account has been hacked as I can find the filter was changed to skip any emails containing words Google, order and pay, so Ive never received any email from Google until I got I credit card bill. There was another purchase made on the second day of the fraud one and shipped to the XXXX. I found this in my Google order history, but the order was cancelled due to insufficient fund. I feel Google was easy to know what happened, but it just want me to burden the lost. My credit card company XXXX said their investigation would be based on Googles result, so I may never get my money back. At this point, I disputed with Google twice but failed ; and I filed a police report to XXXX TX ( Case number : XXXX, Police last name : XXXX, external checking no : XXXX ). I feel vulnerable for this situation, and I cant have communication with Google investigation team directly. The Google customer service said the investigation team is the only one to give the result, but all they allowed me to do is to fill a form for amount and date with no choice to explain my situation nor attach any files. I really dont know what to do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: TX

Complaint narrative:
I applied the Citi XXXX+ XXXX credit card on XX/XX/2019 via the link that saying earn a XXXX XXXX Rewards bonus points after {$2000.00} in purchases within 3 months of account opening. However, I only recieved XXXX  points. I have tried to contact Citi customer service via online chat and phone call multiple times but they gave me different answers every time. I kepe the screenshot when I applied the card. Please see attached.

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 2020-02-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX center in North Carolina claims I owe them money and sold my debt. Ive never been to the state of North Carolina. I told them this and they didnt care. they reported me to Experian who ai thought was a real company not a fraudualnt organization. i submitted to them I have never been within XXXX miles of this state and they came back saying the company confirmed the info is correct when clearly its not. they want money to fix their scam and send emails how their boost can help me get loans when I pay my bills. the whole thing is a giant scam and experian should be shut down. how do they get away with these scams of reporting debt from states a person has never even stepped foot in.

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 2020-02-06 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: AR

Complaint narrative:
I have several items reporting that have not been updated to the correct status. 
XXXX XXXX exceed 7 years. 

XXXX has some questionable practices that seem to leverage the consumer. After calculating my loan I am on the hook for $ XXXX on a $ XXXX vehicle. 

XXXX XXXX XXXX paid in full. 

XXXX/Child support information where do I start, information is injurious to welfare. Information is no where near accurately reporting. 

XXXX XXXX XXXX is the only correct address listed among the 18 listed. 17 not mine. 

XXXX is my correct phone number the others are not nor have they ever been listed under my name. Remove obsolete personal information asap

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 2020-02-06 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: AR

Complaint narrative:
I am a senior citizen and I have steered clear of opening credit account for the last 10 years So each of the outdated adverse accounts are a hindering from enjoying my golden years. 

XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX XXXX Past 7 XXXX XXXX Past 7

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 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I've had a credit card with wells fargo bank for the last 7 years in the amount of {$1200.00}. I used the card in the beginning for college. I maxed out the amount of the {$1200.00}. I have been paying the required minimum of {$90.00} a month. One year I did ask the bank for a reduced amount to lower my payment. They closed the credit card line and lowered my payment but did not lower the amount or the interest rate. I now currently owe over {$3400.00}. In the last 7 years I have paid roughly {$7000.00} and the bank is still wanting me to pay off the {$3400.00} for a {$1200.00} credit card loan.

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 2020-02-06 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: NE

Complaint narrative:
equifax is not a good company to help you correct errors on the report. they put things on your report that is not correct that messes with your credit and when i called to ask them to get me back on the website it locked me out because their website will ask you 2 questions what car loan do you have and how much and what personal loan do you have and how much and when you say you dont have one it locks you out and when you call them to get back back in they wont do it. they just do this to get you to have to send in your ss card and drivers liscense in and this seems like a scam to me to do this on the website so you cant get a copy of or credit report so you can get off the items are are fals on their website. even the supervisor XXXX said she wont help to fix so you can get back in the website to get these items off the website. i told them i got denied credit and i have excellent credit but something you have on your credit report that you put on there that is not correct i need to get off but they wouldnt help me dispute it when i asked to dispute it. this company is a scammiing company how they put that question on their website to lock people out so they cant get into their website by asking everyone the same question when you dont even have a loan or personal loan to lock them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a senior citizen and I have steered clear of opening credit account for the last 10 years So each of the outdated adverse accounts are a hindering from enjoying my golden years. 

XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX XXXX Past 7 XXXX XXXX Past 7

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a senior citizen and I have steered clear of opening credit account for the last 10 years So each of the outdated adverse accounts are a hindering from enjoying my golden years. 

XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX XXXX Past 7 XXXX XXXX Past 7

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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:
Statement for past month did not include credits issued for transactions set into dispute with XXXX. Calls were made to confirm amount provisionally credited during dispute, which placed account at a credit balance of about six to seven hundred. When statement was reviewed to verify disputes, only two disputes were available for view. When transactions that were disputed were searched using the online account management features, credits for transactions that were successfully handled through customer dispute process with merchant were not found, even when utilizing the search features. A print out of the report was completed and the merchant on the phone confirmed that a credit was issued in the past. After completing the phone call with a Citibank MasterCard representative on XX/XX/XXXX at XXXX XXXX PST, XXXX XXXX released the relevant electronic communications with the merchant to make it easier to search for the details relevant to the refund that would be communicated to the agent regarding the transaction that was refunded. While the merchant had the exact amount that I had provided over the phone prior to the release of the electronic communication documenting the refund, the online account transactions and statement did not reflect this amount. The representative stated that I would have to go into the branch to get a correct statement. I believe that the statement that contained the errors, as confirmed through a customer agent on the weekend ending XX/XX/XXXX, was stolen from my premises without my authorization. On XX/XX/XXXX, I could not locate the call on the phone log of my cell phone.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Came in to the XXXX XXXX hoping to open an account. Wow, I did not think banks could treat future clients so awful. I asked the teller for a sign in sheet and she told me that I should go to XXXX Wells Fargo bank. I knew right away that these people were not looking out for my best interest. 
I felt like a third class citizen. If they spat at me, it would had been expected from these people. The way the bank associate looked down at me ... made me feel like I was the scum of the earth. 
Location of Wells Fargo bank is XXXX XXXX XXXX  XXXX XXXX, Washington XXXX You know, it might not seem like XXXX Veterans have anything to do all day but wait in line. But, we have families to look after, too. 
I even asked the teller how long it would be before I could talk to a bank associate. She told me, " an hour. '' I had no problem with that.and sat down in a chair and waited 45 minutes. When a bank associate did show up, he talked to his tellers for 10 minutes and then talked the customers in line for another 5 minutes. While I was still waiting, he finally strolled over to me. He told me that he had a meeting coming up and he did not have time to deal with me. I asked to speak with the bank manager. The bank associate told me that she was busy.

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 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEMS is attempting to collect a debt that unverifiable and I do not recognize. I expect a cease and desist and delete all negative information reported on credit bureaus which is unverifiable and hurting my score. I have never business with this company and have no agreements with this Company.

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 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PROFESSIONAL DEBT MEDIATION is attempting to collect a debt that unverifiable and I do not recognize. I expect a cease and desist and delete all negative information reported on credit bureaus which is unverifiable and hurting my score. I have never business with this company and have no agreements with this Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Reference # XXXX I applied in XXXX for the Home Depot card and was denied. In the denial letter the following was listed as reasons based on my XXXX   report. 
My credit score was stated to be XXXX Serious Delinquency Lack of recent bank / national revolving accounts Too few accounts paid on time Length of time accounts have been established I have reviewed my XXXX  report and XXXX XXXX score and there are multiple discrepancies in the denial and the actual information on my report. 
XXXX XXXX score shows XXXX XXXX score is XXXX I have 3 open accounts 1 auto and 2 installment loans which have all been paid on time and report as paid as agreed. I have 1 closed auto loan that shows paid as agreed. I have several installment loans that are closed also showing paid as agreed. I have had the current auto loan 2 years next month. I have attempted on several occasions to contact the company at the listed # XXXX but have been unable to be connected to a representative.

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 2020-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I received information from a recent update on my credit report of MERCHANTS CREDIT GUIDE placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or had No attempts to contact me even made. This is not right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation