vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Leviton Law Firm, Ltd.
State: IN

Complaint narrative:
1. I received several phone calls from this number ( XXXX ) a. Twice on XX/XX/XXXX b. Once on XX/XX/XXXX c. Once on XX/XX/XXXX d. Once on XX/XX/XXXX ( after they were informed not to ) 2. On XX/XX/XXXX, I called the number back because all of the calls were either hang ups or silent calls. 
a. I was transferred to XXXX, who I was told is the case manager for this debt. This is the first time I knew it was for a debt collection.

b. XXXX told me the amount was for {$100.00} and he named the debtor, which was a company that I worked for from XXXX XXXX. I was never an owner in the company, and I informed XXXX of this during the call. 
c. XXXX asked me to pay the debt, to which I reminded him that I am not, and never was, an owner in the company. And, the company is no longer in business. 
d. XXXX also told me that the debt was for some type of insurance for the company. 
e. During the call, I asked XXXX to take my number off the account. At first, he refused and was rude and blew me off. He cut the call short by hanging up while I was asking to confirm that my number was removed. 
f. Therefore, I had to call back again on XX/XX/XXXX to ensure he was removing my number. He then stated that he would remove my number. Again, after treating me rudely and condescendingly. He even admitted to hearing me ask a question as he hung up on me. 
3. On XX/XX/XXXX, I received another silent call from the same phone number. 
a. I called XXXX immediately after and informed him. I asked why my number was still being called. 
b. XXXX said he would remove my number. 
4. This is when I decided to file a complaint because this just doesnt feel right to me for several reasons : 1. The calls never identified themselves. They either hung up or were silent.

2. The silent call received on XX/XX/XXXX, after XXXX was rude and condescending on the phone on XX/XX/XXXX, felt like harassment, or at minimum an attempt to annoy me. 
3. XXXX revealed the companys debt, the amount, and what the debt was for to me ; who was never and is not now an owner in the company. 
4. This debt collector contacted me via my personal cell phone a total of five ( 5 ) times : a. Twice on XX/XX/XXXX b. Once on XX/XX/XXXX c. Once on XX/XX/XXXX d. Once on XX/XX/XXXX ( after they were informed not to )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: AZ

Complaint narrative:
AMCOL SYSTEMS continued to report a collection account on my credit when the debt was paid in full XX/XX/XXXX. I've attempted disputing this account twice with all bureaus in addition with them directly and AMCOL Systems continues to report it as a collection account which has prevented my credit score from improving and is negatively impacting my ability to develop future credit worthiness. 

Amount of Debt originally owed XXXX Amount and date of last payment XXXX XX/XX/XXXX Last reported collection on credit XX/XX/XXXX and is still present today Today 's date XX/XX/XXXX AMCOL SYSTEMS XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have received an alert that IC Sytems has place two collection accounts on my credit reports. I dispute this debt and request debt validation and copies of all physical and electronic files sent to this company concerning this debt. This includes copies of contracts for service, Identification used to open account, billing and accounting for all amounts that claim to be due- There are two accounts one in the amount for {$190.00} and {$390.00} company XXXX XXXX . Please accept this letter as notice and I would like copies of these documents within 30 business days according to the FCRA and FDPCA laws. 

I called today at XXXX and was transferred twice they had no information and could not pull up my account. 

Please do not contact me by phone only mailing correspondence.

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 2019-02-08 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
Bmw financial has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with Bmw and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and Bmw financial has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On Friday, XX/XX/XXXX my XXXXyear-old child received a promotional flyer from Citibank advertising a generous cash bonus if s/he opened a new checking or savings account and maintained a balance of {$50000.00} or {$15000.00} for 30 or 60 days, respectively. 

The flyer was addressed to my XXXX-year-old with the exact spelling of his/her name and exact address. 

Neither my spouse nor I have a current Citibank account. I had a XXXX credit card but that account was closed approximately 5 years ago and I have a different last name than my child. 

My child does not have a savings or checking account with any bank, does not have a college savings plan, or any other financial products. S/he does not have an email address or any online presence. 

When I called Citibank to get information about why my XXXX-year-old was receiving promotional material, I was told by someone in " Client Relations '' that my complaint was being " forwarded to a 'back-office team '. '' They could not give me an estimate on how long the investigation would take or when I should expect to hear back. They could not or would not give me a number I could call to follow up except for the general customer relations number. 

When I emphasized that it is illegal for minors to open checking or savings accounts without the consent of a parent and asked for more specific information on what Citibank was going to do to resolve my complaint, they stated they could not do anything else. 

I restated what I had been told. That my complaint was forwarded to a " back-office team '' who would investigate it and get back to me in an unspecified timeframe and that the only possible way to follow up was to call the general customer relations number. The response to that was " that is the proper expectation. '' I demand to know how Citibank got my XXXX-year-old child 's information and why they are sending promotional material to a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
Someone from the company continually calls and leaves messages on my work line since on or about XX/XX/ 2018. Has never contact me personally or through mail. I am not sure what the debt is concerning, but since no information has been sent to me to physically look at the phone calls are a nuisance and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all  communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days. 

This company has 2 different collections on my profile!

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 2019-02-08 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: NJ

Complaint narrative:
XXXX XXXX has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with XXXX and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and XXXX XXXX has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.

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 2019-02-08 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: NJ

Complaint narrative:
XXXX XXXX has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with XXXX and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and XXXX XXXX has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I contacted Wells Fargo about the fraud on my account. I woke up to texts on my XXXX about charges made by someone at a casino I have never visited. In fact I was asleep when the incident happened. The charges where made from XXXX TO XXXX. I was at my home asleep. I called and alerted the credit card company immediately. The filed the dispute incorrectly. The failed to include all the fraudulent charges made on the card. I have been back and forth with them trying to resolve this issue. I filed a fraud claim with the credit card company and have not heard anything else from them.

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 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Credit & Collection Corporation
State: TX

Complaint narrative:
The company is XXXX  XXXX, and my family has been receiving calls from XXXX XXXX at ( XXXX ) XXXX. They have been harrassing my parents consistently over the last few weeks. She states in her messages that she is from XXXX XXXX, in Texas. And that I will find my self in legal trouble if I do not call back. She has also stated that they will have me located and arrested, even in my place of employment. Not once have they called me personally. They are attempting to impersonate the law and it needs to stop, it is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
The contract between that I signed with XXXX XXXX XXXX ( XXXX/XXXX XXXX ) is void because I did not not consent to giving them Irrevocable Power Of Attorney. The contract is blank without a duly executed date, no witness. Nothing has been sworn to, subscribed or any acknowledgement of date. The Notary Signature does not appear of the document, and there is no date of commision. What County? What State? XXXX XXXX XXXX/XXXX XXXX gave me back the document without my wet ink signature. The signature on the document is a scanned copy of what looks like an exact replica of my signature, therefore fraudulent. It was a quick process, in getting the paperwork done, where they cashed in on my signature, therefore making securitization illegal. Numerous times I have brought this to their attention where both corporate and the franchise office ignored my complaint, calls, and all mail correspondence. They also ignored me when I requested a W9 so that I can properly file my taxes for all out of pocket payments. The forms 1099 A and 1099 OID allows me to do that according to IRS publication 1212, 26 USC 1271 ; UCC 3-419, 26 CFR 1.671-5 ( c ) & ( d ), loans - 26 USC 1273 & 26 USC. Since we can not pay a debt with a debt I have discharged the loan under UCC 3-603. I  would do a Notary complaint, but there isn't any information for me to pursue. XXXX XXXX XXXX/XXXX XXXX did not have a Notary present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sirs, Doing our taxes we just realized this. 
On XX/XX/2018 we made a wire transfer for {$7500.00} from our Citi business account. 
On XX/XX/XXXX, we were charged again {$7500.00} and another wire went to the same person. 

Basically, Citi had some sort of system failure that charged us twice. 

When I call them, they say that the only thing they can do is issue a recall, and when we tried to reach the recipient we receive to answer. 

Please, let us know if you need al pertinent information to be able to help us.

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 2019-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I've made numerous attempts to get a billing statement and welcome packet. 

When I got the loan I was told there would be a way to see my billing statements online, there is not. I can make payments online through an online portal, but there is no way to view " my current balance '' Portal link : XXXX However, this online portal does not appear to be a secured system for logging too. ( A person only needs your email, zip, and account number- NO PASSWORD? ) Im extremely frustrated with this company, as today when I called ( like every other day I've called ) they validated my address and have make no indication that the address in their system wrong until today. Something I ask on numerous other calls and requests. 

I'm concerned this company 's methods are NOT in line with federal and/or state requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I had an account with XXXX XXXX XXXX in 2016 during which time i lost my job, i was behind on the payment, so XXXX XXXX offered me a payoff for a settled amount ... .which i then agreed upon and paid. The account with XXXX XXXX actually shows resolved on my credit report. Now i am getting debt collection ( LNVN ) showing on my credit report and i dont know how they just doubled the debt amount - the credit card limit was {$300.00} to begin with this collection company is trying to charge me over $ 700- on a account that i was under the impression was already paid off with credit card company- XXXX XXXX - i have no paperwork from the phone call with the XXXX XXXX because everything was over the phone - i am not sure how to proceed, and i called the collection agency, LNVN and they said they would need to have proof of agreement with XXXX XXXX, to be honest at that time i was lucky to be able to afford the settlement amount and was grateful to have had enough to pay it off- now this coming back up and show another negative on my credit report and having no real knowledge of how to legally persue this without having yo spend money i do not have available to get an attorney. How can these companies do this legally- where is the rights of the average consumer? I am not in a position to pay over {$700.00} dollars to collections i dont even owe- i have children to raise and some months we are lucky to afford groceries after paying bills, i hope there is something i can do to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
After multiple calls and instant messages over the period of two months. I was denied my Amex Platinum welcome bonus, since they said that I closed two previous cards after a year, as I am " misusing my credit cards. '' This was after I had called prior to applying for the card, and they said that I was eligible for the welcome bonus. Every time I call about my welcome bonus stats, the customer service person says that I have no reason to not receive it. I fulfilled all the requirements and pay my card off on time. 

I closed both previous cards for legit reasons, the first was a delta gold card, which I closed after not using the airline much, and the second was a XXXX card, which I closed after the merger with XXXX was announced and my points would have been devalued. 

Plus, I have cards outside of AMEX with longevity ( four to six years ) ... AND I have only opened four cards in the last two years.

I did nothing illegal, and I pay my cards off on time, every time. I have a great credit score, and show nothing that would be a risk for the company.

I would like to file a complaint, as I did everything AMEX had asked for, and yet they still refused -- it's not only misadvertising, it's a bait-and-switch tactic to get you to sign up by offering welcome bonuses without following through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: OK

Complaint narrative:
For the past 4 or 5 years, Portfolio Recovery has sent me numerous collection notifications via snail mail, which is fine and dandy. However, they have also contacted me every single day at every single number that I have ever had, regardless of how many times I have told them my situation ( no income due to fighting for disability and being unable to work ) at all times, including before XXXX XXXX and after XXXX XXXX. I never gave them my cell phone number or permission to call my cell phone number and yet they continuously call that number as well as my home number. I have tried thousands of times to explain my situation to them, to tell them to stop calling my cell phone number, yet they still call both numbers every single day. This is now harassment and I am tired of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 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: CA

Complaint narrative:
In XX/XX/2016 I was a victim of idententy theft. Someone tried to open several accounts at different companies. XXXX XXXX gave credit to this person and sent me to collections. I never done business with XXXX XXXX. This was reported to Experian and my credit score came down 125 points.

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 2019-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I attempted to get a loan modification and my lender escalated my loan to foreclosure and I was forced to file for bankruptcy protection. I am now gainfully employed and I am ready to modify my loan and bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
I am trying to open a bank account for my business but a account from SunTrust comes up under my info and it's not mine that needs to be disputed

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 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Caller is identified by 'XXXX. XXXX ' as XXXX XXXX. They have been calling me for months, several times a day. Never leave a message, when I answer, they hang up. Have no idea why they call me since I have no debts and haven't for over 10 years. Apparently, according to XXXX . XXXX complaints submitted, they do this to numerous other people who also have no idea why they are targeted. They always call from a different number, usually from XXXX florida, but not always. Calls are really a nuisance. Please help!!

Company response to consumer: Closed with non-monetary relief