vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received a bill for items purchased on my Saks Fifth Avenue card in  XXXX  in   XXXX   XXXX   when I was in  XXXX , Vermont for an employment retreat. I called the number to dispute it and was told by a customer service agent that the company takes care of the rest.     I then started to receive collection calls. I called and disputed it again.     I still received collection calls so I disputed it by phone a third time.     In    XXXX   XXXX   , I was advised by email that I needed to make a police report in  XXXX  to dispute the charges. I advised them that I could n't file the report over the phone or online and because I live in CT and getting to  XXXX  takes about  2  hours so I could n't go immediately.  XXXX   XXXX  in  Saks ' Fraud  Department said I was lying and that police reports can be filed telephonically or online which is n't true.     I went on   XXXX   XXXX   XXXX   to the  XXXX  and tried to make a report and they told me they would n't take it because it had been too long since the incident. Then Saks decided that it was n't fraud, after they literally scanned and placed the signature from my fraud affidavit on the sales receipt. They are identical. Even if I had signed both they would n't be that identical. Besides, any evidence they had should have been handed over to me within 30 days of my first dispute.     I have since disputed the bill with  XXXX   XXXX , the  VP  and  Associate   General Counsel . I sent certified letters on   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   demanding proof that it was me who made these purchases at the  XXXX  store.     I have received no response. As stated in my letter, this is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
On X/XX/17, I contacted the Debt Collection Company by the name of DIVERSIFIED CONSULTANTS, located at XXXX XXXX XXXX, XXXX, FL XXXX XXXX : Acct # XXXX, asking that they send me verification of the debt that supposedly I owed XXXX in the amount of {$240.00}, that 's appearing on the Credit File. I stated that the account had been paid prior to this amount being place on my credit file and asked that they provide me with Verification of the Debt. As of X/XX/17, Diversified has not responded. I also disputed the entry with the credit Bureau, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been vertified. When I contaced the credit Bureaus by phone, I asked what information did the company provide ( such as contract with my signature, names, bill or etc ) and was told they did not have that information available, that I need to contact the Creditor. Please help me get this inaccurate information removed. I may have owed XXXX but they were paid before this collection agency assumed the debt. Kindest regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a new business charge card account with  Citi bank in   XXXX   XXXX  . For 2 months i received the bill and paid it on time. After that I stopped receiving bills from Citi bank and later learned that my bill was going to an incorrect address. Now I am charged with late fees and finance charges that Citi bank required me to pay even though the bill was sent to the wrong address! Not only that the paper statement contained the entire 16 digit account number! I have repeatedly called Citi bank to try to resolve this but they were not helpful at all. I closed my account after paying the late fees and finance charges so that whoever was receiving my paper statement would not use my charge card. Citi bank employees could not give me the address that the bill was going to because they s aid they could lose their job. All they could say was that the bill was not going to the address that I gave them when I told them my address.

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 2017-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reporting to my credit X/XX/17. Negative impact to my credit by NCC Business Services. I never received any written knowledge of this debt. I do not have any known knowledge of this debt nor the reason as to why I am being affected by the debt. I request validity of the debt, including signatures, photos, any pertinent information that can confirm the validity and ownership of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On  XXXX / XXXX /  XXXX  , I contacted the my  XXXX   XXXX   XXXX   XXXX  by the nam e of Santander Consumer USA, Acct  #  XXXX , asking that they send me verification of the debt that supposedly I owed in the amount of {$700.00} (   XXXX    ), {$1100.00} (  XXXX  ) & {$0.00}, t hat 's appearing on the Credit Files. I stated that the account had been paid after the company repossessed and returned the vehicle to me and I paid off the debt and received my title to the vehicle. If I still had a balance why would the company issue my title to me..     As of  XXXX / XXXX /  XXXX  ,  Santander has stated  that the information has been vertified. I wanted to see how they arrived at this amounts, listed above or remove the information from my credit files ; I also disputed the entry with the credit Bureau, such as  XXXX ,  XXXX   &  XXXX , all   XXXX   (   XXXX  ) have reposted verified the information.     When I contacted the credit Bureaus by phone, I asked what information was provided by the company to support the amounts ( such as contract with my names, bill or etc ) and was told to contac  t the Creditor.
Kind   Regards,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This involves a Sears Mastercard issued by Citibank. I have not been able to log into my account on their website for nearly two months. I have updated my system to the latest browser ( s ) as suggested and still I am not being logged in to the website completely. There is something wrong with this company 's website and/or business practices. I have not been able to get through to a customer service agent via two different phone numbers provided by Sears ( or Citibank ) for this purpose. I am constantly routed through a ridiculous automated phone attendant system. When I am finally allowed to ask to speak to a customer service rep, the phone call is then quickly terminated. I am trying to suspend paperless billing because I have not been able to make a payment via their website since the website never completely logs me in. This is a well-know issue with this vendor and something needs to be done about it. It is pathetic how these companies are taking advantage of people who are trying to meet their obligations and protect their credit scores. I owed a grand total of {$27.00} last month and now owe {$57.00} thanks to a {$30.00} late fee which they are stealing because they are preventing me from accessing their website to make payment. I now have to visit a retail location in order to pay off this account. I 've been a customer of their 's for nearly 40 years ... never again ... they can drop 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 monetary relief
Consumer complaint received 2017-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Accurate Background
State: FL

Complaint narrative:
Company has violated my rights under federal law.
Failed to provide a description of the procedures used to determine th  e accuracy and completeness of the information, including name, business address and telephone number.   Failed to provide confirmation that a copy of the revised consumer report was sent to those who requested a copy during the preceding 6 months since  X/X/2016     Failed  to place consumer statement per my prior complaint #  XXXX .     They allege the information was sent per prior complaint but have no proof since they failed to provide information in an attempt to violate consumer rights. They also allege they where unclear as to my computer statement yet they have been notified as per complaint #  XXXX . At this point I require proof of compliance to all my requests along with the name and address of there registered agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: Receivables Performance Management, LLC
State: GA

Complaint narrative:
RECEIVABLES PERFORMANCE  XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX  Negatively reporting to my credit on   XXXX   I request validity of debt including signatures and invoices of debt. I never received any written knowledge of this debt.

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 2017-05-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
CFPB Complaint  XXXX  : transunion indicated the credit cards identified as identity theft in those complaint were removed from my credit report. Current copies of my credit report still show the fraudulent credit cards on my report. Additional complaints and investigation requests do not result in any changes or complete investigations. I request a complete copy of all investigations completed and reasons for not removing the fraudulent accounts 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 2017-05-21 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: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
Allied Collection Services  last reported to my credit on   XXXX   XXXX   XXXX    . I do not owe a balance to this collection service. This agency continuously reports to my credit, negatively affecting my credit reputation. I request the debt to be removed from my credit report because the balance is paid.

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 2017-05-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
CFPB Complaint  XXXX  :  XXXX  indicated the credit cards identified as identity theft in those complaint were removed from my credit report. Current copies of my credit report still show the fraudulent credit cards on my report. Additional complaints and investigation requests do not result in any changes or complete investigations. I request a complete copy of all investigations completed and reasons for not removing the fraudulent accounts 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 2017-05-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I 've filed a previous complaint (  XXXX  ) with you all and the status still remains open with no response as of  XXXX    XXXX ,2017  in regards to my  XXXX   XXXX   XXXX  account to be removed from credit report.  XXXX  out of the  XXXX  credit bureaus have removed it when I sent certified letters asking for the removal or proof of debt except Equifax. They have yet to respond when I sent the certified mail  XXXX   XXXX ,    2017  and they received it  XXXX   XXXX ,  2017 . I would like the account removed please. I also checked the licensing website and saw no authority for them to be collecting in the state if NC which was another concern for  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
I received a letter dated XXXX XXXX, 2017 from Citibank Card Services XXXX XXXX XXXX  XXXX Oregon XXXX. It stated that I am being issued a statement credit for {$190.00} for charges for the Identity Monitor program I did not sign up for and cancelled immediately upon seeing the charge on my statement. I cancelled the card years later, and I do not have a Citibank card at this time, and I have not received a credit statement from this bank for years. How can I receive this credit if I do not have access to the card or credit statement anymore? Please help me in this matter. Thank you, 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 monetary relief
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX 2017 I.C. Systems Inc. reporting to my credit negatively. I do not own this debt. I do not have XXXX and never have. I am requesting validity of this debt because I do not own a XXXX account. I want signatures and any pertinent information that proves I own this debt. This debt is not valid.

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 2017-05-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX   foreclosed on my home in  2011. I was p art of a class action suit against them and received a very small amount of money as compensation. I have sent various letters to  XXXX  and to the  XXXX  major credit reporting companies.  XXXX  sent me back a letter stating they could not locate my account and asked that I provide them with validation information and copies of my credit report. I then sent a letter to  XXXX , Transunion, and  XXXX  -- disputing that  XXXX  could not validate my account.  XXXX  removed the foreclosure from my credit report. Transunion and   XXXX   have not.   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 2017-05-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  foreclosed on my home in  2011 . I was part of a class action suit against them and received a very small amount of money as compensation. I have sent various letters to  XXXX  and to the  XXXX  major credit reporting companies.  XXXX  sent me back a letter stating they could not locate my account and asked that I provide them with validation information and copies of my credit report. I then sent a letter to  XXXX ,  XXXX , and Equifax -- disputing that  XXXX  could not validate my account.   XXXX   removed the foreclosure from my credit report.  XXXX  and Equifax have not.   Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
Ford Credit  and  XXXX   XXXX   XXXX  are showing  two ac counts of mine that were paid on time and the balance was paid in full. There was never a late payment made, as the credit report shows. Yet, they are reporting both as  " Closed-Derogatory '' and I h ave now seen a  XXXX  point drop in  my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted the Debt Collection Company by the name of ERC located XXXX XXXX XXXX, XXXX, FL XXXX, Acct # XXXX, asking that they send me verification of the debt that I supposedly owe for XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}, that 's appearing on the Credit Files. I stated that I do not recall the account, because I was believe I was XXXX at the time this account was open in XX/XX/XXXX, and would like verification of this amount, along with documents to support my signature of the Debt. As of XX/XX/XXXX, ERC has not responded. I also disputed the entry with the Credit Bureaus, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been verified as accurate. When I  contacted the Credit Bureaus by phone, and asked what information the company provided as verification ( such as contract with signature, name and bill or etc ) and was told I need to contact the creditor. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My name is  XXXX   XXXX  .I l ive at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  in the  XXXX . My zipcode is  XXXX . A company called  Navient  keeps calling my home phone number. I have already told them to contact me by my cellphone. They call late at night and before  XXXX  constantly. I am currently unemployed and I have no way of paying off my debt. At this point, I do n't even remember what I have to pay them back for or the amount of money I owe. I have applied for unemployment benefits, but I do n't know how much money I will get. I need the unemployment money to pay for public transportation and other bills.     I want them to stop calling my home number. This is bordering on harassment.     Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
We receive two to three calls a day from Portfolio Recovery Services. When someone answers the phone no one is on the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Within the last  six  months, I 've switched my loan service from  XXXX  to  FedLoan Service. T hese were all Federal Student Loans and I applied for the  Public Service Loan Forgiveness Program  ( and I was approved ). After making on time payments, I realized they were not applying the payments to this program ... stating that I did n't qualify but no explanation why. The only reason I switched loan services was so I could qualify for this forgiveness plan as I 'm a 20+ year employee of a qualifying place of employment. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: Johnson Mark LLC
State: NV

Complaint narrative:
XXXX / XXXX /  XXXX   Johnson Mark LLC pulled my credit without my knowledge.

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