vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery XXXX XXXX XX/XX/2019 received call asking for deceased Husband, when told he passed away " XXXX XXXX '' insisted to speak to him, asking when did he pass away told her XX/XX/XXXX .She insisted to know what year? .I told her I already sent you death certificate and all that information, She continued to ask in loud tones WHAT YEAR, What Year, Being Upset and woken up, I said this year by mistake, She then Said loudly and mad its XX/XX/2019 it cant be this Year. I then told her I sent you all this information including the death certificate.She hung up, I composed myself, best as I could being very upset to be woken up like this. Im XXXX years old. Then I called back, they would not give me that person to speak to.The person insisted on getting more personal information that was not his business, insisted they said we don't have access to that information. I told him the call was being recorded and told them if they call again I was turning the recording over to the lawyer in town. They kept telling me to verify everything I said, including getting my address and phone # Finally I said No I sent you certified Mail for everything needed for this address. Portfolio Recovery has also sent mail to all my relatives in other states, address to me,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was reviewing my credit scores between XXXX XXXX and Experian and they is a difference of 100 pts in my credit score, I review my report and submitted various changes in my Experian report and the score did not increase, I mhave been trying to reach them and with no avail, I hope that this matter can be solved

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 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent a letter to Equifax disputing a bankruptcy they are reporting on my credit report. On XX/XX/XXXX Equifax sent me a letter stating they confirmed the bankruptcy with XXXX and that it was accurate. 

I have a letter from XXXX dated XX/XX/XXXX that this bankruptcy was deleted from my account. 

Equifax can not verify an account that is not there, so they lied and did not accurately verify this account. Since Equifax has violated the Fair Credit Reporting Act, I want them to immediately remove this inaccurate account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to this company address that was provided to me on my Transunion credit report. 

I requested that XXXX removed the unauthorized inquiry on my report. 

I also contacted Transunion through a Certified mail prior dispute process to investigate the unauthorized inquiry and they stated that I must contact the furnisher directly. 

Do to Transunion response I filed a complaint with the CFPB on XX/XX/XXXX XXXX to address the issue that XXXX has not replied or attempted to correspond to me about the inquiry. 

On XX/XX/XXXX CFPB replied stating they were unable to send the complaint to this company because XXXX was not in their complain system, and that the complaint was sent to the FTC and to the Consumer Sentinel Network. 

This company has violated my rights and has not answered to my correspondence within 30 days which is more then enough time to provide any form of consent or written signature on any application for credit showing I consented to this inquiry. 

This is a unauthorized inquiry that Transunion now needs to remove from 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 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
I don know anything about this company at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: AL

Complaint narrative:
I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter. 

The following items that are reporting in error : XXXX XXXX Account ( result of identity theft ) There are late payments showing on XXXX XXXX and XXXX XXXX ( I was  never late on these accounts ) Names : XXXX Addresses : XXXX XXXX, XXXX XXXX There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX  ( 4 times ) XXXX XXXX XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On or around XX/XX/2019 I called Citibank to inquire as to why my credit account was not updated for the month of XXXX. Upon asking why it has not been updated I was told it was because of having a {$0.00} balance that they are not required to update, in essence keeping the last update months behind and that is not transparent or factual when it comes to keeping my disclosure current. I called again on XX/XX/2019 and spoke with XXXX and as I explained or at least tried to, she mid conversation cut me off and said her manager has just told her that she would update my account with the Bureaus. She lied, today is XX/XX/2019 and contacted Citibank again and was told that if I could not fax or mail a copy of my financial disclosure that they could not help me even when I explained to them that I am XXXX and dont have access to a Fax machine or copier to be able to start a dispute with them. Upon me telling me that I couldnt meet those expectations I was told to dispute with reporting bureaus or Cfpb. So here I am starting an investigation to accomplish something Citibank could have done with a few keystrokes. The lack of empathy and general concern for their customers is astonishingly Absurd. In conclusion, all I want is for Citibank to update my disclosure every month.

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 2019-02-04 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: CA

Complaint narrative:
I rec 'd a XXXX cancellation of debt from Capital One Bank. the form states date of event as XX/XX/XXXX. this is incorrect as the account was charged off XX/XX/XXXX. this XX/XX/XXXX date is also on my credit report. How is it the Credit card company can state the date as XX/XX/XXXX when it was charged off 5 years ago. shouldn't they have sent the XXXX at that time? Also on my XX/XX/XXXX IRS taxes this account was included on form XXXX discharge of indebtedness. I don't believe I should have to report this account with Capital one bank twice to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: GA

Complaint narrative:
XXXX XXXX XXXX purchased a collections account from XXXX XXXX XXXX XXXX, who bought it from XXXX XXXX, on XX/XX/XXXX. The purchased electronic files that does not include any contract or any other identification. I have asked for copies of all documents Portfolio Recovery purchased on this account and have not received them. Portfolio keeps fraudently reporting this account because they do not have the documents on this account. The keep telling me they are ordering this from the original creditor and have not and it has been beyond 30 days required by law for them to respond. I explained to them this account is not mine- I did not open it and they can not not even show proof of when it was opened. I am demanding that this account is removed from my credit profile immediately- I have filed multiple reports through the Consumer Federal Protection Bureau and they continue to send me the same few statements they have and not the full documents I have requested. The most recent letter they sent on XX/XX/XXXX said to call them to request copies of payment history when I called that same very day and requested this information verbally as well as through the Consumer Federal Protection Agency prior- They are ignoring my complaints on Purpose and does not have the documents needed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: AL

Complaint narrative:
I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter.

The following items that are reporting in error : XXXX   Wireless Account ( result of identity theft ) There are late payments showing on XXXX XXXXr and XXXX XXXX ( I was never late on these accounts ) Names : XXXX  Addresses : XXXX XXXX, XXXX XXXX   There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX ( 4 times ) XXXX XXXX   XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXXXXXX XXXX XXXX  ( 2 times ) XXXX  ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 3 times ) XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX 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 2019-02-04 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: AL

Complaint narrative:
I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter. 

The following items that are reporting in error : XXXX  Wireless Account ( result of identity theft ) There are late payments showing on XXXX XXXX XXXX XXXX XXXX ( I was never late on these accounts ) Names : XXXX Addresses : XXXX XXXX XXXX XXXX There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX ( 4 times ) XXXX XXXX XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX  ( 2 Times ) XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made numerous attempts to unfreeze my Experian credit report. The other two agencies had no issues. My concern is that I am unable to unfreeze my report in Experian and there is no human to answer the phone. Experian provides and directs me numbers which I call. But, the options are minimal and are not consistent with my issue. In addition, there is no way to reach a human. I have called, emailed, gone online, etc. Experian has made no attempt to reach out to me to assist. This is adversely impacting my ability to obtain financing for a home I would like to purchase and I may lose out on it and certain rates, etc because of this. In addition, how can a company that holds so much power over somebody's credit not have a human being available to assist with any issues?? This should be illegal. Can you please help me? Thank you so much.

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 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
All transactions with Citibank, same credit card. 
In Spring XXXX, I did a 0 % interest balance transfer ( Offer 4 ) expiring XX/XX/XXXX for approximately {$4800.00}. 
In XX/XX/XXXX, I did a 1.9 % interest balance transfer ( Offer 7 )  expiring XX/XX/XXXX for approximately {$2500.00}. 
In order to satisfy the payoff of the XX/XX/XXXX offer, I sent payment in full which was received by Citibank XX/XX/XXXX. 
However, the payment was applied to Offer 7 because payments above minimum are applied to the highest interest rate balances. This only applies to standard purchases as shown in the balance transfer agreement and as was confirmed by the agent I spoke with at Citibank. Excess payments are ( supposed to be ) applied to balance transfers by payoff date. 
Despite this, Citibank refuses to adjust how the payment is applied. 

Making matters worse, if the payment arrived ( late ) on XX/XX/XXXX ( instead of XX/XX/XXXX ), the balance transfer would have been transferred on XXXX by Citibank to Standard Purchases with a much higher associated rate, and my payment would have been then applied properly. In short, by paying my bills ON TIME, I am being penalized!

As a 25+ year customer of Citibank , Im baffled by their complete refusal to make this right, and more frustrated by the call centers hard stop on customer service. Theres ALWAYS someone above you who can review a decision, and its terrible service to refuse to connect a customer with that person. 

The damage to me is loss of use of the XXXX balance transfer with related fees that have already been paid. Additionally, I now am being charged interest on Offer 4, albeit only a few days.

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 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Lender Inc
State: FL

Complaint narrative:
XXXX XXXX keeps on report to the credit bureau negative information about me. I did contact them twice, they're referring me to another company name : self lender. In wich they have provided me with a phone number XXXX However, when ever I try to reach them, they never picked up the call. I need your help. I don't have much credit, now it getting worse, because of those people who did offer me a service, then you can't declined it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
On Monday, XX/XX/2019 at XXXX, I made a {$640.00} cash deposit in the Key Bank ATM machine at the local XXXX branch and the machine malfunctioned. My card was not returned nor was the {$640.00} cash I tried to deposit. All I received was a receipt stating " Cash Rollback Receipt : WE ARE UNABLE TO PROCESS SOME OF THESE ITEMS. THESE MAY NOT HAVE BEEN ABLE TO BE RETURNED '' and to contact the branch for assistance. I was not able to go inside the KeyBank branch as it was a holiday and they were closed so I went into the branch Tuesday, XX/XX/2019 to talk to a branch manager. I was told by the manager to give it 2-6 days for them to investigate and we should receive the money back into my account. And to be patient because we were not the only customers the ATM has done this to and that it has occurred multiple times. After the sixth day, I reached out the manager again, I am told that the matter will be escalated and it actually will take 6-10 business days. I still have not receive my {$640.00} and I am not told that it is out of the managers control and that corporate is handling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: PA

Complaint narrative:
On XX/XX/19 I requested a {$100.00} transfer to a non-BB & T account using XXXX. My payment did not go to the intended recipient when he notified me that he did not receive my funds. I contacted the bank on XX/XX/19 to notify them that the account number was incorrectly entered. The bank indicated that the funds probably would not go through if the account number was wrong. I opened a claim and was notified on Tuesday that there was nothing they could do since the account number was incorrectly entered. The bank told me that I would have to file a police report. I feel that the bank should be held liable for the money that I am out since someone else received the funds. Please advise if there is anything else you can do to contact BB & T. Thank you,

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 2019-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX purchased a collections account from XXXX XXXX XXXX XXXX, who bought it from XXXX XXXX, on XX/XX/XXXX. The purchased electronic files that does not include any contract or any other identification. I have asked for copies of all documents XXXX XXXX purchased on this account and have not received them. XXXX keeps fraudently reporting this account because they do not have the documents on this account. The keep telling me they are ordering this from the original creditor and have not and it has been beyond 30 days required by law for them to respond. I explained to them this account is not mine- I did not open it and they can not not even show proof of when it was opened. I am demanding that this account is removed from my credit profile immediately- I have filed multiple reports through the Consumer Federal Protection Bureau and they continue to send me the same few statements they have and not the full documents I have requested. The most recent letter they sent on XX/XX/XXXX said to call them to request copies of payment history when I called that same very day and requested this information verbally as well as through the Consumer Federal Protection Agency prior- They are ignoring my complaints on Purpose and does not have the documents needed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Nationwide Recovery Systems, Ltd
State: NV

Complaint narrative:
At XXXX XXXX!!!!!!!! Nationwide Recovery services called. When I complained that it was XXXX the lady tried to argue with me telling me it was XXXX. I explained I live in XXXX XXXX, that is a XXXX XXXX number she continued to argue. I asked for a supervisor. 
When I asked for the supervisor XXXX said they never even called me. He was rude argumentative and tried to even say they never had record of my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: NJ

Complaint narrative:
I disputed a fraudulent charge on my account in the amount {$2200.00} I am a victim of identity theft and I did not make or authorized this charges I have 7 years freeze on my credit report since 2016 but still JH portfolio Debt equities LLC Account XXXX still send me a letter for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 I received an email notice that a transfer into my Wells Fargo Business Checking Account had failed because the account was closed. I called Wells Fargo the next day to find that the account was closed for inactivity. However, the account had been active and I had been primarily accessing the account through ACH transactions ( payments from customers as well as payments to credit cards used in my XXXX   business ). I was informed that the account could not be reopened once closed, despite the acknowledgement that the account was clearly active and appeared to be closed in error.

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