vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit since 2012 for an item that is NOT mine. I have requested proof multiple times and have been disputing it for months and months with the bureaus and none of them have provided proof that it is mine.

For one the debt is old and past the statute of limitations for 2 it is NOT mine!

Unless they can provide a signed contract by me then it needs to be deleted.

For the bureaus XXXX XXXX IS NOT VALID VERIFICATION!!! Im so tired of these entities being able to do what they want. I need this removed!

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 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On or about XX/XX/2018, Citibank contacted me via text message to inquire if a particular ATM charge ATTEMPT that took place in XXXX TX was mine in the amount of {$200.00}. I live in Maryland and was home in bed at the time that I received the text message and I denied the charge. I indicated via text that the charge was not mine and that my card must be shutdown immediately. Citibank representative called me right after my text and told me that on or about XX/XX/2018, two transactions DID go thru from the same ATM in the amounts of {$240.00} and {$260.00}. I happened to not check my account until after Citibank contacted me about the {$200.00} ATM attempt, which at this time I was upset that my account was missing {$500.00}. I asked the agent why did they allow the two transactions to go through and just not contacting me about the 3rd. She had not knowledge. She just said that the 3rd one was suspicious. After Citibank conducted their investigation, they indicated that after further investigation, they said that transactions SEEMED legit and that they could not honor my claim! I indicated emphatically that I could not have done it or authorized it because was in Maryland had not been in XXXX in over 3 months. Citibank would not even allow an appeal until I spoke with a high level supervisor in the dispute department. She indicated that I should file a police report to go along with the investigation. This has been a nightmare to get Citibank - whom I have been with for over 12 years - to honor me as a loyal customer and give back my money that was stolen through fraudulent activities.

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 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: TN

Complaint narrative:
XXXX XXXX XXXX sent me a notice of a medical debt for XXXX I paid payments of XXXX XXXX  dollars a month until I tried to pay XX/XX/2018 XXXX  dollars and the payment was rejected. Under FDCPA Law. They rejected my payment and turned me over to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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 — Was not notified of investigation status or results
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My name is XXXX XXXX, I had an loan with a company name Ocwen Servicing Loan in which was brought out by XXXX now XXXX XXXX. At the time of transfer, I asked several account rep and Service manager to validated the payment history before assuming this loan from Ocwen Servicing. At no time XXXX now XXXX XXXX   validated or send me a verifiable payment history with Ocwen servicing Loan. I eventually paid this loan off and ask for this account to be closed. At this time, the credit report is not correct due to the date and open of the account, payment history, and the account showing closed as of XXXX17.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX I reported to Citicard that there were 2 fraudulent charges on my citi preferred card in the amounts of {$460.00} and {$820.00} for MR XXXX ( XXXX XXXX, XXXX, CA ). The rep told me he would cancel the card, research the fraud and expedite ship me a new card to be received XX/XX/XXXX. 


XX/XX/XXXX 2 phone calls made due to not receiving the card. I figured out Citicard put the wrong street address on the shipping label and my account. Second phone call I spoke with rep XXXX, " specialist '' XXXX and " manager '' XXXX. None of them corrected their address mistake. It was to the point I was asking for compensation for my repeated phone calls, their address mistake and not getting my card when they promised. 

XXXX was extremely rude. When I told her I didn't trust the company to do what they say they will do she then said " Ill just send your card out in 5-7 days ''. This was after XXXX and XXXX told me the second new card would be expedited and received by me Tuesday the XXXX. I told XXXX she was passive aggressive and hung up on her. 


XX/XX/XXXX I called and spoke to XXXX to make a payment on the old card as I was unable to online and didn't want to incur any interest charges. After payment was made, I asked XXXX what the address was on my account. He confirmed the address was STILL wrong. He suggested I call back again the next day and speak with " line management dept ''. 


XX/XX/XXXX I called during my work day and spoke to XXXX. I asked her to connect me with " line management ''. She stated she could help me with the address change. She confirmed that the address was STILL wrong. She then reviewed my account and stated she could not help me with the address change.

At this writing I have made 5 phone calls to try to get the address corrected, get a new card and compensation for their mistake. 


The original XXXX XXXX tracking # is XXXX XXXX XXXX so you can see the address citicard listed was street number XXXX. 

My street number is XXXX. 


What else do I need to do to get service from 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 monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Both Sears and XXXX XXXX sent what appears to be advertisements. I do not always read these items. But what has happened is they sent a notice they will be converting my store cards to a MasterCard if I don't contact them by a certain date. I happen to travel at times and do not always read these notices. Both Sears and XXXX XXXX  have converted my account because I did not contact them by the deadline. Sears refused to change it back to a store card. I feel this practice is deceptive. If I want to open a Sears MasterCard or a XXXX XXXX MasterCard then I will apply for one. That is how it works with any other credit card - you apply for it. I this it is completely deceptive to just change a persons account. I did not apply for MasterCard with either of these vendors. XXXX XXXX has now begun the same thing. They sent the first notice which we opted out of. Now we have to watch every document that XXXX XXXX  sends because they will continue to send these and provide us deadlines hoping that we miss the deadline. XXXX XXXX wants us to change to the XXXX XXXX  XXXX XXXX Card. Something really needs to be done. At the very least I should be able to opt out only once and not have to continually monitor my mail to ensure I do not miss the next opt out date. As far as Sears and XXXX XXXX - they have lost my business permanently. I will never shop for another item at either store, and their MasterCard will remain in a drawer unused.

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 2018-08-14 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: Credit Karma, LLC
State: NY

Complaint narrative:
I logged onto credit karma and noticed in my hard inquiry report that there was a mark for national credit card airlines. Unaware of what this could be because I have no credit cards and I do not open any I decided I needed to call them. When I called national credit card airlines they then informed me that credit karma has put this mark in error on many peoples reports and I am another victim of credit karma doing this. They also informed me I have no account with them and that I needed to dispute this with credit karma. After realizing there is no phone number for them to speak to a actual agent I then researched other people who have became a victim to this and they informed me to contact consumer financial protection bureau to get it solved, there is no reason why there should be a hard inquiry involving national credit card airlines on  my account or on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I requested a detailed description of the alleged charges, dates, and amounts over the phone. Instead I received a letter with just the total alleged amount. I responded with a written dispute letter as I do not agree with the amount in question requesting again a detailed description of the alleged charges in writing. My dispute has not been responded to and the company continues to repeatedly call all day and night and harass my father and provide him with information that is inappropriate. They then attempted to withdraw money from my bank account fraudulently and without my permission and I had to cancel all of my cards.

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 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
Call to get the debt validated Collection company would not mail or email mail anything would not give me my account number XX/XX/2018 Reporting to my credit {$3100.00} does not have a contract with my signature. Company put a note on my account stating that this is my debt and i just do not want to pay Original Creditor : XXXX XXXX Second Creditor : Security Credit Services

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
XXXX XXXX XXXX for a equipment that was returned. Southwest credit systems previously tried to collect. This debt was disputed and Diacharged. I received no follow up from southwest credit system after this late XX/XX/XXXX. Received a collection call from southwest credit solution on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2018 I Submitted a requested that a Public Record be removed from my Experian Credit File. along with Incorrect Names and Addresses on my file with Experian. On todays date XX/XX/2018 I contacted Experian by phone at XXXX and spoke with a Rep by the name of XXXX he stated he cant give his ext or employee ID #. and that the names cant be removed I stated that I have submitted a photo copy of my Identification social security card and bank statement so how is it that incorrect information can stay on my file and he stated that it was verified and will remain on your report. I stated anyone can electronically submit information, I'm requesting proof of contracts bearing my signature. XXXX   stated they cant provide me that information because they don't require it from Collectors and Merchants. this is a Violation of the FCRA. XXXX from Experian stated that XXXX verified the Public Record. I have a security Freeze on my XXXX  file so its impossible that Experian received any information from this company regarding me. I feel that Experian isn't properly completing verifications on the items I am disputing.

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 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a business and I bank with Chase. My deposits in the total of XXXX was slowly being processed through the weekend. My account was in the positive before I went to bed and I awoke and it was in the negative. I was charged a cluster of 5 over draft fees because the banks system didn't catch it in time. However be mindful I was in the positive when I checked the account before I went to bed. I contacted the bank to get a courtesy refund, seeing that it was a harmless system error. As a business it would seem that there would be a courtesy so we can continue to do good business and be valued customers. However, we spoke to many bankers and managers and were told they could not override the system and are only able to reverse one fee. The rest of the fees is what keeps my balance negative currently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14 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: TX

Complaint narrative:
On XX/XX/XXXX, I called transunion as I had already pulled a credit report from XXXX and saw there was Inquiries on my credit multiple times that I did not recognize. I had reached out to these companies and they said that I am not on file anywhere to get ahold of the credit reporting agency that listed the inquires. I did so and spoke to XXXX XXXX  and he stated he could not help me. I asked for a supervisor and got a gentleman named XXXX and he stated he could not help me. So I am filing this complaint in hopes to get the inquires off that are not supposed to be there : XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX Thank you for your 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 2018-08-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My name is XXXX XXXX, I had an loan with a company name XXXX XXXX XXXX in which was brought out by XXXX now XXXX XXXX. At the time of transfer, I asked several account rep and Service manager to validated the payment history before assuming this loan from XXXX XXXX. At no time XXXX  now XXXX XXXX   validated or send me a verifiable payment history with XXXX XXXX XXXX. I eventually paid this loan off and ask for this account to be closed. At this time, the credit report is not correct due to the date and open of the account, payment history, and the account showing closed as of XX/XX/2417.

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 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STERLING BANCORP
State: NY

Complaint narrative:
XX/XX/2018 I went to the XXXX XXXX XXXX branch of XXXX XXXX XXXX to withdraw funds in the form of certified checks that I needed to sign an apartment lease. The bank employees told me that there were technical issues and they could not issue me the certified checks. They would not issue money orders and did not have the cash on hand. They said the other branches had the same technical issues. 
When I got home I tried calling their customer service number repeatedly and it would hang up on me. I tried to access my account online and kept getting an error message. 
This morning, XX/XX/2018, I called the XXXX branch to ask if the issue had been resolved and they told me it had not. I continued trying to contact their customer service and each time I am cut off. 
I do not understand how a bank can refuse me access to my funds and other basic services for multiple days. Also, they should at least be able to address my concerns through Customer Service or at the very least send out a communication to all customers that there is an issue and they are working to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX. I AM A XXXX YEAR OLD SINGLE MOTHER OF XXXX. DURING THE YEARS OF XX/XX/2016 ; I AM/WAS XXXX WITH MY XXXX KIDS AFTER THEIR FATHER WALKED OUT. DURING THESE TIMES I HAVE BEEN IN AND OUT OF XXXX XXXX. BACK INXX/XX/2016 ; MY PURSE, SOCIAL SECURITY CARDS, AND OTHER PERSONAL INFORMATION WAS STOLEN. THE WOMAN THAT I SUSPECT IS XXXX XXXX ; BUT, THAT IS ALL THE INFORMATION THAT I HAVE ON HER. I HAVE TRIED MANY TIMES TO GET THESE INQUIRES REMOVED AS I DID NOT AUTHORIZED THEM, AND I AM NOT SEEKING CREDIT. I HAVE CONTACTED XXXX  AND THIS COMPANY PERSONALLY, AND THE COMPANY STATES THEY CAN NOT FIND ME IN THEIR SYSTEM, I SENT OVER SCREEN SHOTS ON THE INQUIRY AND THEY REFUSE TO DELETE STATING I DON'T HAVE AN ACCOUNT WITH THEM. I CONTACTED XXXX  AND THEY SAY I NEED PROVE THAT THE ACCOUNT IS NOT MINE AND A STATEMENT FROM THIS COMPANY ; WHICH IS NOT POSSIBLE DUE TO THE COMPANY HAVING NO RECORD OF ME. I EXPLAINED THIS ISSUE TO XXXX  AND XXXX  AND THEY BOTH DELETED THE INQUIRY, BUT XXXX IS REFUSING. MAY YOU PLEASE HAVE THEM DELETE THIS INQUIRY AS IT IS NOT AUTHORIZED BY ME. I AM XXXX AT THIS MOMENT, AND A NOT SEARCHING FOR ANY NEW CREDIT OR LOANS. I HAVE NO KNOWLEDGE OF WHAT OR WHO " XXXX '' IS YHANK 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 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: UT

Complaint narrative:
Back in XX/XX/2018 my daughter had to move out of a student housing facility due to illegal activity that was going on at the facility. The manager was alerted and did nothing to address this and as a result she moved out before her contract was up. I had called and spoke to management multiple times from XX/XX/XXXX to XX/XX/XXXX regarding the contract and that we should not owe this debt since they were negligent and broke their own contract. As a result they sent me to Pro Collect ( collection agency ) out of XXXX, TX. I received a collection letter on XX/XX/XXXX for collection. I retained an attorney and sent a letter of dispute to Pro Collect on XX/XX/2018. I also sent a letter to the Student housing complex ( XXXX XXXX XXXX ) as well. I received a cancellation letter back from Pro Collect on XX/XX/2018 stating that the account has been canceled and I not longer owed this debt and the request was made to have it removed from the Credit Bureau and it was returned to the original creditor. I applied for a loan on XX/XX/XXXX and this debt was still on my credit report. I have contacted Pro Collect multiple times regarding this and I was informed that I could only email a person by the name of XXXX XXXX ( collection manager ) and that he was the only one that I could correspond with. I sent an Email to him on XX/XX/XXXX stating this was not longer owed and that their company has sent a cancellation letter. On XX/XX/XXXX XXXX XXXX sent back an email stating that I owed the {$1400.00}. I then sent another email back to him on XX/XX/XXXX stating that I didn't owe the debt and that his company had sent the cancellation letter. I have sent emails back on XX/XX/XXXX and XX/XX/XXXX asking of I need to send a copy of the cancellation letter to him. I have not had any response from him and I have tried to talk to someone else at Pro Collect and they always say I can only email XXXX XXXX and no one else there can help me or have access to my account with them. I still am waiting for a response. I have included letters that were sent to XXXX XXXX XXXX and Pro Collect as well as Emails to XXXX XXXX  ( collections manager ).

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