vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a XXXX 's credit card account on XX/XX/XXXX for the purchase of a mattress. 
On XX/XX/XXXX, I had not yet received a statement or physical credit card in the mail. XXXX 's does not allow online management of your credit account without inputting the credit card number online. Without the card, I was unable to do this. 
On XX/XX/XXXX I called XXXX 's and made a {$250.00} payment and informed them that I had not yet received the card. I was told that day that a new card would be issued. 
On XX/XX/XXXX I received a letter reflecting that they company had wrongly applied the recent payment to the wrong account. That letter references an account number ending in XXXX. 
The following day I received a statement in the mail from XXXX 's that shows an account number ending in XXXX, and that does not reflect the payment. 
On XX/XX/XXXX I called XXXX XXXX credit services. I was told that they have record of the {$250.00} payment and that no payment is due at this time. I re-stated the fact that I am unable to manage my account online because I still have not received the physical credit card in the mail. I was told that the credit cards are delayed because of bad weather in XXXX. 
My problems to be resolved are as follows : 1 ) The account has been open for nearly 2 full months and I have yet to receive the credit card.

2 ) I do not know what my appropriate account number is.

3 ) I am unable to manage the account online and ensure that payments are being applied appropriately, as the online account requires the input of the credit card information, which I have not received.

4 ) I do not have any written evidence provided from XXXX 's reflecting the {$250.00} payment that was made on 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 2018-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Call Center Technologies, LLC
State: NJ

Complaint narrative:
I received a bill in the mail a few days ago that was from a collection agency, but I never received the original bill, it was an outstanding amount ( $ XXXX ) so I could not jump to pay it ... within 2 days I have receive repeated called as early as XXXX XXXX up until XXXX XXXX from this debt collector. I than blocked them and they called me on a different number. I literally could not keep my phone on me while working because of them constantly calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Payment was made via authorized direct-from-bank-account payment on XX/XX/XXXX for {$3600.00}, the full amount of loan no. XXXX. Navient acknowledged payment on XX/XX/XXXX. By XX/XX/XXXX, Navient had not taken payment, and additional interest had accrued. Another direct-from-bank account payment of {$1.00} was made to cover the additional interest, and Navient acknowledged payment on XX/XX/XXXX. As of XX/XX/XXXX, Navient had NEVER taken payment, and additional interest had again accrued. Checking the account online, both payments were listed as " reversed '' each ON THE SAME DAY they were made. No notice was given of this action, and no inquiries were received as to any problems. The funds remain in the bank account in full, and no response has been received from Navient. This appears to be a deliberate and intentional effort on Navient 's part to refuse to accept payment in order to increase interest costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX discharged this debt almost 10 years ago and I periodically get these notices from XXXX XXXX requesting money. Who is this money going to go to since it has been erased by the credit card company. The Midland is predatory and is untruthful stating this is still owed.The amount is for {$35000.00}. I am not paying this as it was not owed to Midland. They are being predatory and are sending me collection letters 10 years after absolution of the debt. They intimate that they will ruin my future if this is not paid. It is threatening and predatory to state this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I sent Merchants & Medical Credit Corporation a letter disputing a claim of alleged debt of {$4000.00} by original Creditor XXXX XXXX XXXX I asked for proof of validation per my rights under Under the Fair Debt collection Practices Act ( FDCPA ). I also let them know in my letter that I have been a victim of Identity theft as of XX/XX/XXXX when someone attempted to use my personal information to file my federal IRS income taxes. Since that breach I have been a victim of multiple fraudulent accounts setup in my name ( per my credit reports ). I have also been a victim of both breaches of XXXX and XXXX. ***Please note they are reporting this debt under XXXX XXXX******* My name is XXXX XXXX ! Still with all this information they have refused to provide me with any proof of validation of this debt. I have asked for all of the following below CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I asked for them to remove this reporting from all 3 collection bureaus. They are still reporting and not have provided any proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: PA

Complaint narrative:
I opened this account in XXXX XXXX, 2010 this company but it was not for {$50000.00} I do n't know where this amount has came from but the balance is missing on my credit report and its reporting derogatory stating that I was paying on time then i went to 90 days late then 120 days late for about 6/7 months at a time I 'm unsure how someone can owe a company for 120 days late 6/7 months in a row it seems like time stop and also how did I ever take out {$50000.00} XXXX XXXX, 2010, I would like to pay what I owe an nothing more and get this negative remark removed from my credit report, the true balance is missing and the payment history is not right, can someone please help i have been reaching out to the bureaus for years.

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 2018-01-14 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: PA

Complaint narrative:
I opened this account in XXXX XXXX, 2010 this company but it was not for {$50000.00} I do n't know where this amount has came from but the balance is missing on my credit report and its reporting derogatory stating that I was paying on time then i went to 90 days late then 120 days late for about 6/7 months at a time I 'm unsure how someone can owe a company for 120 days late 6/7 months in a row it seems like time stop and also how did I ever take out {$50000.00} XXXX XXXX, 2010, I would like to pay what I owe an nothing more and get this negative remark removed from my credit report, the true balance is missing and the payment history is not right, can someone please help i have been reaching out to the bureaus for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: PA

Complaint narrative:
I opened this account in XXXX XXXX, 2010 this company but it was not for {$50000.00} I do n't know where this amount has came from but the balance is missing on my credit report and its reporting derogatory stating that I was paying on time then i went to 90 days late then 120 days late for about 6/7 months at a time I 'm unsure how someone can owe a company for 120 days late 6/7 months in a row it seems like time stop and also how did I ever take out {$50000.00} XXXX XXXX, 2010, I would like to pay what I owe an nothing more and get this negative remark removed from my credit report, the true balance is missing and the payment history is not right, can someone please help i have been reaching out to the bureaus for years.

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 2018-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
My recent streamline refinance added back MIP which we met that obligation back in 2015. Caliber will not remove it please see attachment for all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX discharged this debt almost 10 years ago and I periodically get these notices from XXXX XXXX requesting money. Who is this money going to go to since it has been erased by the credit card company. The XXXX is predatory and is untruthful stating this is still owed.The amount is for {$35000.00}. I am not paying this as it was not owed to XXXX. They are being predatory and are sending me collection letters 10 years after absolution of the debt. They intimate that they will ruin my future if this is not paid. It is threatening and predatory to state this.

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 2018-01-14 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: GA

Complaint narrative:
Greetings, XXXX XXXX XXXX is currently reporting to Experian that I had a lease with their company, which totaled in the amount of {$18000.00} opened in XX/XX/XXXX. I am not  aware of who opened this account nor do I have any information outside of what was provided in the letters sent to dispute this account in XX/XX/XXXX. Upon my knowledge of this fraudulent account, I immediately filed the proper reports to support my position of identity theft, on this account and several other items on my credit reports. This account was fraudulently open in my name. This has become very frustrating for me and is causing damage to my credit. I have made efforts to dispute this issue for a whole year and this is still hindering my credit. 
Pursuant to Fair Debt Collection Practices, XXXX has not been able to provide me with 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this fraudulent debt. 

They have been non-compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that they are liable for willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]. They have failed to provide a copy of any alleged contract or other instrument bearing my signature. 

Lawfully I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act With regard to Experian, they are continuing to give me a hard time with this account. XXXX, as well as XXXX, were excellent in assisting me and understanding my concerns and have complied with my efforts in disputing this account as a fraudulent account and have completely removed it. I notified Experian of the actions in XX/XX/XXXX that the other two bureaus have taken and they are continuing to keep this account on my credit profile. I have taken the steps to dispute the account on Experians website and certified mailed letters regarding FCRA Section 605B.  They are handling this request as a common dispute and had no urgency in complying with the law. 



Thank you for your assistance in this matter.

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 2018-01-14 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: DISCOVER BANK
State: FL

Complaint narrative:
In XXXX 2018 I received an alert from my credit monitoring app that my discover student loans was 2 mths past due. I immediately called discover and Notified them of the report. They said that was an error and their part and that the two loan amount were n't allocated properly. They promised they would notify the creditors. A week later it was reported that indeed the accounts were in good standing and never paid late. On XX/XX/XXXX I received another alert from my monitoring app that my student loan was 30 days past due. I have never paid late and they have continued to cash the checks I send every month. This has affected my credit score in the worst possible way. My score has dropped 70 pts which is crippling my ability to obtain any loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14 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: SUMMIT FUNDING, INC.
State: KY

Complaint narrative:
On a past mortgage account I had with Summit Funding from XX/XX/XXXX to XX/XX/XXXX, there  was a delinquency that was reported in XX/XX/XXXX that is incorrect. For the month of XX/XX/XXXX my payment was sent around the XX/XX/XXXX. My checks were being sent to XXXX XXXX, VA XXXX as it was stated on the only document I had received since the start of the loan. I had not received any payment books or monthly statements either. A credit monitoring company emailed me saying my account was delinquent. I called Summit Funding and was told that my payments were going to the wrong place and that I was using the wrong loan account number. They were supposed to be sent to XXXX, PA XXXX. I was told that my payments were being re sent to PA and that the correct loan number that was not on my original document was being changed and that it would take up to two weeks to reach the correct XXXX XXXX. During that process it made my payment 30 days late. It is an error on Summit Funding due to the only document I received until I personally called and got all the correct information that i was never given. This error is drastically effecting my credit and possible future credit applications. I would like this error to be corrected since it was an error on Summit Funding and their guidelines state that they will correct any errors that occur on their behalf.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX 2018 I received an alert from my credit monitoring app that my XXXX student loans was 2 mths past due. I immediately called XXXX and Notified them of the report. They said that was an error and their part and that the two loan amount were n't allocated properly. They promised they would notify the creditors. A week later it was reported that indeed the accounts were in good standing and never paid late. On XX/XX/XXXX I received another alert from my monitoring app that my student loan was 30 days past due. I have never paid late and they have continued to cash the checks I send every month. This has affected my credit score in the worst possible way. My score has dropped 70 pts which is crippling my ability to obtain any loans

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 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried to get my free online credit report from Equifax and after answering their online questions their programs indicated they could not verify who I was. I opened a complaint about this with CFPB and followed up by mailing in a manual request to Equifax for my free credit report. 

Equifax did not accept my request and instead sent me a letter asking me to make a copy of 2 ids and mailing it back to them before they would send me my report. I sent them a copy of 2 ids and mailed it back to them. 

I am filing this complaint because I want our Federal Government to know that this company is not providing me with my free credit report. This company continues to try to get me to pay them to protect my credit report information. I continue to ignore their requests. 

I do not think that our country should allow credit bureau companies like this to exist and I think they should be operated by the Federal Government and the information stored on computers should be protected by the best information technology people the NSA can hire to protect US from internal fraud in companies like this and from external fraud as well. 

Our Federal Government shut down the accounting firm XXXX XXXX after the XXXX scandal. Our Federal Government should shut down Equifax too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I purchased TV service from XXXX XXXX in XX/XX/XXXX, for {$74.00} per month. The service was to include their 250 channels plus XXXX XXXX. I paid the install fee with Citicard of XXXX XXXX, SD. No other charges were authorized. I paid the monthly charges with another credit card which had no association with Citicard. In XX/XX/XXXX I found that XXXX had blacked out 55 % of the 250 channels, but had received no reduction in charges. Since I was not under a contract, on XX/XX/XXXX, I cancelled the XXXX service. XXXX claimed that I owed an early termination fee of {$320.00}. I advised them that I had not agreed to a contract, nor had I signed a contract. In fact, I had never seen their contract. I refused to pay the charges. Because I did not trust XXXX, I telephoned the bank that had been paying my monthly charges, and instructed them to decline any further charges from XXXX. They complied. However, XXXX found in their records where I had paid installation charges from Citicard. They filed the charge with Citicard, who initially paid the charge. When I learned of the deception, I informed Citicard of the forged contract that XXXX had created and instructed Citicard not to pay the XXXX charge. Citicard then reversed the payment to XXXX and purportedly began a half-done investigation. Without talking to me, Citicard decided to pay XXXX, even though I provided Citicard proof that XXXX had forged my signature on the supposed contract. Since then, Citicard has tried to collect the XXXX charge from me. This is how Citicard treats customers who has been doing business with them for 22 years, paying every statement in full and 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 2018-01-14 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: TX

Complaint narrative:
Following inquiries on my report are not mine and fraudulent ... Fraudulent Inquiries : - XXXX XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on X/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XXXX -  XXXX XXXX, XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17

Company response to consumer: Closed with non-monetary relief