vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 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:
XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX   ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it  immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX  I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Over the past 2 years I have earned a significant number of miles from CitiBank related to their partnership with XXXX XXXX XXXX XXXX. Of the miles I have earned, I recently received notice from XXXX XXXX that XXXX of these miles will now no longer be usable due to a termination of my XXXX account. These miles are valued at approximately {$20000.00} if bought directly from XXXX XXXX. XXXX XXXX asserts the reason for my termination was due to " Exploitive Practices ''. As essentially all of the miles I have gained have been a result of the partnership offered by CitiBank through their Credit Card, CitiBank is at fault for the " Exploitive Practice '' used to obtain these miles. CitiBank awarding the miles to my rewards account with XXXX XXXX is the direct reason my account was closed by XXXX XXXX. As CitiBank awarding these miles is the reason I am no longer able to utilize the miles, I believe CitiBank should provide an alternative award instead of these now useless airline miles. The bank essentially marketed a credit card rewards incentive to me that, when awarded, would result in the reward incentive being taken away. This is deceptive marketing and should be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
Professional Claims Bureau , Inc. ( " PCB '' ) sent letter demanding {$20.00} for debt owed to Dr. XXXX   XXXX XXXX for a medical appointment on XX/XX/2019. The {$20.00} apparently represents a co-payment.

A co-payment could never be due from Dr. XXXX because you are never allowed to see him unless you make the copayment before he examines you.

Each time I called PCB, they transferred me, and then the new person disconnected me. Each time I tried to send a fax to the number on their demand letter the fax would not go through because the line was busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CO

Complaint narrative:
I HAVE SEVERAL ACCOUNTS SHOWING NEGATIVELY ON MY CREDIT REPORT. WHEN MY EX-HUSBAND AND I DIVORCED, WE AGREED TO SPLIT THE DEBT ACCRUED DURING OUR MARRIAGE. HE HASN'T MADE HIS PAYMENTS AND DESPITE MY MANY ATTEMPTS TO CORRECT THIS, I AM NOT RECEIVING ANY RESPONSE FROM THE COLLECTORS ON THOSE ACCOUNTS. AS IT STATES IN MY DIVORCE DECREE, THOSE SPECIFIC ACCOUNTS BELONG TO MY EX-HUSBAND. I HAVE BEEN TRYING TO CORRECT THIS FOR NEARLY THREE YEARS, BUT I HAVEN'T HAD ANY SUCCESS, AT ALL. I HAVE SUBMITTED DISPUTES, WRITTEN LETTERS SENT TO THE COLLECTORS, I HAVE TRIED CALLING TO DISCUSS THE ACCOUNTS AND GIVE THEM THE CORRECT INFORMATION. IF SOMEONE COULD PLEASE HELP. I AM APPLYING FOR A CAR LOAN SOON AND I HOPE TO HAVE THESE NEGATIVE ACCOUNTS OFF OF MY REPORT. I HAVE BEEN PAYING MY PART OF THE DEBT, BY MAKING MONTHLY PAYMENTS. I SHOULD NOT BE PUNISHED BECAUSE MY EX-HUSBAND ISN'T TAKING CARE OF HIS DEBTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: AZ

Complaint narrative:
On XX/XX/2020 a charge of XXXX from XXXX XXXX appeared as a pending charge to my Citi credit card account. I additionally received notice to contact Citi Fraud Department based on perceived fraudulent activity. I called immediately and was told the dispute process could not be started until the charge posted but that would happen automatically since I reported the charge as fraudulent. I did not make this charge and have no idea who did. 

On XX/XX/2020, the charge appeared as a posted charge for XXXX from XXXX XXXX with a charge date of XX/XX/2020. Additionally, a credit for XXXX appeared with a date of XX/XX/2020. Again, both of these are fraudulent. 

On XX/XX/2020, I contacted XXXX XXXX and a fraud investigation was started on their side as well. I was told the name on the airline ticket purchased with my card was not mine but they would not tell me who it was or where they were flying from/to. 

On XX/XX/2020, I additionally recontacted Citi fraud department as the charge and credit were still appearing in my account. The fraud department connected me to a second " specialist '' who told me the dispute would not show up in the " dispute center '' for at least 12 days and it could take 3 billing cycles to finish their investigation. I reminded him that the charge was made without my card present and I obviously had no idea who used it but they could very easily find out from XXXX whose name was on the ticket. He stated I was " liable for paying for the fraudulent charges '' until the investigation was complete. He refused to credit the account in the interim and when he transferred me to customer service, who he claimed would be able to do that, he told them I wanted a credit limit increase. The customer service rep told me she would have been able to credit the account if I had contacted prior to the end of the billing period. What?! I contacted the first 5 minutes after it showed up as a pending charge and I got the app message of a " card not present transaction. '' How much sooner would I need to contact?? 

I recognize investigations take time, however I should not be threatened with late fees and collections if I refuse to pay a charge that I have no liability for. I had a charge to my XXXX several years back and the charge was gone from my account before I hung up the phone. This is completely unacceptable.

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 2020-02-18 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX/XXXX  # XXXX is reporting a charge off to my credit that is past the Statute of  Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: UT

Complaint narrative:
XXXX/XXXX # XXXX is reporting a charge off to my credit that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of 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 2020-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX/XXXX # XXXX is reporting a charge off to my credit that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of 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 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
I found out my house is set for a property foreclosure sale XX/XX/2020 recently by someone coming to my house asking to buy my house. I filed bankruptcy to keep my house from being foreclosed a few months ago. I did not get a foreclosure letter from the Foreclosure attorney XXXX XXXX XXXX or Rushmore. I sent documents and request for mortgage modification to Rushmore my mortgage servicer. Contacted Rushmore XX/XX/2020 spoke to XXXX, ID # XXXX asked what was the status of the modification that was submitted. He said that the file was reviewed on the XXXX of XX/XX/2020 and a letter had gone out to me. He said they received a call from me XX/XX/2020 and I was told verbally what they needed. He said it has been 37 days and the file would not be reviewed for a mortgage help. I have not spoke with anyone from Rushmore and my husband has not either. I have not received mail from Rushmore requesting information. XXXX was rude and unwilling to help me save my home, the state of Tennessee says I'm suppose to receive a letter 30 days before a sale date is set for my house. I have not receive any letters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have reached out to the Capital One on several occasions and they are constantly asking me to send in my personal information. I am Capital One to validate my information because according to the law, they can't report this information on my credit report without validation. Instead they send me a letter stating they are not going to do anything at this time. According to the law, I have the right to ask a company reporting on my credit report for validation or they have to remove the account from my credit report. 

Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I am writing in regards to a complaint/issue I am having with TD bank USA N.A. 

On XX/XX/XXXX I made a purchase with a kitchen supply company for some kitchenware in the amount of {$9700.00} and was promised a estimated date of arrival on XX/XX/XXXX. After numerous attempts to contact them I was not able to reach anyone. This went on for a few weeks with no luck. I finally decided to call Target card / TD Bank USA and filed a dispute with the card company. TD bank USA stated they would credit back the disputed amount while they investigate the matter. On XX/XX/XXXX I received a mailed letter stating the disputed amount of {$9700.00} has been placed back on my account. Since receiving this letter I have found ways to contact the merchant who charged it and got a hold of someone and they have agreed I have not received my products and that they did inform TD bank USA that I have not received my products. I have contacted TD bank USA numerous times with no luck on getting any calls back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
Around XX/XX/XXXX, I started receiving phone calls from XXXX stating that they were Compass Bank attempting to collect debt on a loan I had taken out. The loan was for XXXX $ with my family, XXXX and XXXX XXXX, being the Co-Signers with the help of XXXX XXXX, at the XXXX XXXX, FL, XXXX, Compass Bank location. I had established payments to be made from my current XXXX Checking Account toward the loan. For four months, or longer, I had made duplicate payments toward the loan in order to have it paid off faster. This put my next payment due in XX/XX/XXXX, Once I began to receive the phone calls asking for collections in XXXX I attempted to make payments with the XXXX account, without my knowledge the account had been removed from the payable accounts. In XX/XX/XXXX this continued, I had attempted to make further payments one specifically on the XX/XX/XXXX I made a regular payment from my XXXX checking account, on the XXXX per XXXX the XXXX $ posted as a payment to BBVA AUTH LOAN PAYMENT LGAE, on the XXXX BBVA issued a reversal due to NSF which is a lie, BBVA- XXXX PAYMENT REVERSAL, XXXX states this on the 1XX/XX/XXXX XXXX XXXX XXXX XXXX Original Description NSF FEE - ITEM RETURNED Additional Details ACH - BBVA AUTH LOAN PAYMENT. 

After seeing this I have looked into the duplicate payments which were sent back as having NSF per BBVA, which is inaccurate. The bank has committed now affected my credit and possibly stolen money from me and my family. I have spoken with their fraud department, specifically a supervisor named XXXX, who confirmed this was an issue by BBVA and attempted to have me speak with a customer care specialist named XXXX XXXX, I have made multiple attempts to speak with her to no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 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: CO

Complaint narrative:
I HAVE SEVERAL ACCOUNTS SHOWING NEGATIVELY ON MY CREDIT REPORT. WHEN MY EX-HUSBAND AND I DIVORCED, WE AGREED TO SPLIT THE DEBT ACCRUED DURING OUR MARRIAGE. HE HASN'T MADE HIS PAYMENTS AND DESPITE MY MANY ATTEMPTS TO CORRECT THIS, I AM NOT RECEIVING ANY RESPONSE FROM THE COLLECTORS ON THOSE ACCOUNTS. AS IT STATES IN MY DIVORCE DECREE, THOSE SPECIFIC ACCOUNTS BELONG TO MY EX-HUSBAND. I HAVE BEEN TRYING TO CORRECT THIS FOR NEARLY THREE YEARS, BUT I HAVEN'T HAD ANY SUCCESS, AT ALL. I HAVE SUBMITTED DISPUTES, WRITTEN LETTERS SENT TO THE COLLECTORS, I HAVE TRIED CALLING TO DISCUSS THE ACCOUNTS AND GIVE THEM THE CORRECT INFORMATION. IF SOMEONE COULD PLEASE HELP. I AM APPLYING FOR A CAR LOAN SOON AND I HOPE TO HAVE THESE NEGATIVE ACCOUNTS OFF OF MY REPORT. I HAVE BEEN PAYING MY PART OF THE DEBT, BY MAKING MONTHLY PAYMENTS. I SHOULD NOT BE PUNISHED BECAUSE MY EX-HUSBAND ISN'T TAKING CARE OF HIS DEBTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CO

Complaint narrative:
I HAVE SEVERAL ACCOUNTS SHOWING NEGATIVELY ON MY CREDIT REPORT. WHEN MY EX-HUSBAND AND I DIVORCED, WE AGREED TO SPLIT THE DEBT ACCRUED DURING OUR MARRIAGE. HE HASN'T MADE HIS PAYMENTS AND DESPITE MY MANY ATTEMPTS TO CORRECT THIS, I AM NOT RECEIVING ANY RESPONSE FROM THE COLLECTORS ON THOSE ACCOUNTS. AS IT STATES IN MY DIVORCE DECREE, THOSE SPECIFIC ACCOUNTS BELONG TO MY EX-HUSBAND. I HAVE BEEN TRYING TO CORRECT THIS FOR NEARLY THREE YEARS, BUT I HAVEN'T HAD ANY SUCCESS, AT ALL. I HAVE SUBMITTED DISPUTES, WRITTEN LETTERS SENT TO THE COLLECTORS, I HAVE TRIED CALLING TO DISCUSS THE ACCOUNTS AND GIVE THEM THE CORRECT INFORMATION. IF SOMEONE COULD PLEASE HELP. I AM APPLYING FOR A CAR LOAN SOON AND I HOPE TO HAVE THESE NEGATIVE ACCOUNTS OFF OF MY REPORT. I HAVE BEEN PAYING MY PART OF THE DEBT, BY MAKING MONTHLY PAYMENTS. I SHOULD NOT BE PUNISHED BECAUSE MY EX-HUSBAND ISN'T TAKING CARE OF HIS DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: FL

Complaint narrative:
I recently checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with 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 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
RE : Claim # XXXX XXXX XXXXMastercard Trip Delay on XX/XX/2019 The credit card offers a reimbursement of {$300.00} for a trip delay that I experienced at XXXX XXXX XXXX on XX/XX/2019. 
I have submitted all requested documents to the rep, XXXX XXXX, who is being extremely difficult. 
I have forwarded him several notices from XXXX XXXX advising of the trip delay. He continues to request more info every time. XXXX  has called me and told me they can not provide anything more. Furthermore they have never experienced anything like this when such requests came from past customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I received a random email this morning from a THIRD PARTY who now has all of my information, from a credit collector. The THIRD PARTY COMPANY is called True Accord, and the person who sent me this email is called XXXX XXXX. 

I did NOT request to sign up with this company for collection and I did NOT willingly give them ANY OF MY INFORMATION NOR THE RIGHT TO CONTACT ME. 

They are implying legal action as well as attempting me to make a payment arrangement through this email. I would believe this is considered fraud and very illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The collection agency or law firm -- Kimball, Tirey and St. John LLP of XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX has been making calls to my elderly Father, assigned his social security to an unvalidated debt, and have hurt his credit, caused emotional distress.

Company response to consumer: Closed with explanation