vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC
State: WA

Complaint narrative:
The caller said we owe on a XXXX account. 

We don't have a XXXX account. 

I just received a collection letter stating they will accept a lower amount than the debt listed. 

The collection company this letter is from is American Coradius International LLC When talking with XXXX, they stated they can not look up anyone 's account to see if what I'm saying is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: DISCOVER BANK
State: FL

Complaint narrative:
I had a Discover card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to Discover since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
On XX/XX/2019 I received a document, ( issuing date XX/XX/2019 ) from Citizens One XXXX   XXXX a subsidiary of Citizens Bank, XXXX entitled " Closing Disclosure '' that was labeled " This form is a statement of final loan terms and closing costs. '' which I interpreted to be the end of all formal requests ( or changes connected ) with the loan my wife and I had applied for. I called the local sales manager, XXXX XXXX, and asked for clarification regarding the amount of the Cashier 's Check that should be obtained and bring to closing. He advised that the check should be in the amount stated in the Closing Document I received, the amount of {$47000.00}. I had such a check cut ( see attachment ) on Monday at approx. XXXX XXXX on XX/XX/2019. My wife XXXX called me later in the morning of XX/XX/2019 and advised me that she was informed by Ms. XXXX, Mr. XXXX 's assistant, that the amount on the Closing Disclosure I had in my possession was in error. Repeat : the amount that I had confirmed with the manager, Mr. XXXX, was in error and did not jibe with what his assistant, Ms. XXXX, claimed it should be. XXXX XXXX contended that the now correct amount was {$48000.00}. At approx. XXXX XXXX XXXX on XX/XX/2019 I received a piece of mail from Citizens One ( Rhode Island office ) with exactly the same document I had received from them on XX/XX/2019 and it is so enclosed. That document that I opened on this date contained the same information without a wit of difference. Period. When does a statement of " final loan terms and closing costs mean '' what it declares? What rules is this bank trying to play by? The Closing Disclosure received on XX/XX/2019 was precisely ( repeat precisely ) the same Closing Disclosure I received on XX/XX/2019 ; it had precisely the same information, and apparently the same mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
this company against J.P chase bank. about returned items stem from a order that the court place on my wife account back in XX/XX/2019 account end in XXXX. some time on or aboutXX/XX/2019 chase make a statement the federal/ state law required us to place a hold on your chase account which may include the deposit box ( es ) at no fault of my wife. and I did not have no account with chase bank.never have no check with them, dose that time the hold was place on her account for a number of month cause a number her items to be returned back to her creditor. on XX/XX/2019 the hold for XXXX was Dismissal of Garnishment. and remove. I do not have personal check with chase bank my wife have an account, with chase bank, it was a big mistake on the court to place that order hold on her account. now XXXX XXXX   have place information on my credit history and that is wrong in so many way, because of this court order. and chase was knew are should have known that I did not have account with them. chase need to notify this company XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX and correct this mistake asp and remove. chase have these information they should not have report this information in the first place, it was wrong. my wife own the account and there is no judgment against her. but chase place it on her account they need to make it right because they cause all of the returned items to be returned. the court dismissed the order. but to lest. if not i.am going to suite for chase damage my name and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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:
I submitted a FTC Affidavit along with a police report to Experian showing that the XXXX XXXX XXXX account was opened as a result of fraud. This matter still has not been resolved. I need your assist in getting this matter resolved. I also can't see my credit results for 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 2019-08-12 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: NJ

Complaint narrative:
These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud! 

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX  XXXX XXXX {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11  ) XXXX XXXX {$0.00} XX/XX/XXXX 12 XXXX XXXX XXXX {$0.00} XX/XX/XXXX 13 ) XXXX {$0.00} XX/XX/XXXX 14 ) XXXX {$0.00} XX/XX/XXXX 15 ) XXXX   {$0.00} XX/XX/XXXX 16 ) Bankruptcy Reference XXXX XXXX # XXXX XX/XX/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 2019-08-12 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: NJ

Complaint narrative:
These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud! 

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11 ) XXXX XXXX {$0.00} XX/XX/XXXX 12 ) XXXX XXXX {$0.00} XX/XX/XXXX 13 )  XXXX {$0.00} XX/XX/XXXX 14 ) XXXX  {$0.00} XX/XX/XXXX 15 ) XXXX {$0.00} XX/XX/XXXX 16 ) XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/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 2019-08-12 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclaycard Ring refuses to post a {$300.00} payment to credit card. We faxed documentation on XX/XX/19, XX/XX/19. Emailed late XX/XX/XXXX. Called numerous times XX/XX/XXXX twice ( got hung up ), XX/XX/XXXX, XX/XX/2019.

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 2019-08-12 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 received a letter from XXXX year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of this

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 2019-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
The caller said we owe on a Paypal account.

We don't have a paypal account. 

I just received a collection letter stating they will accept a lower amount than the debt listed. 

The collection company this letter is from is XXXX XXXX XXXX XXXX When talking with Paypal, they stated they can not look up anyone 's account to see if what I'm saying is true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: The Outsource Group, Inc
State: TX

Complaint narrative:
MEDICREDIT, INC. IS THE COMPANY THAT IS NOT FOLLOWING UP ON CURRENT INFORMATION, NOR ARE THEY EVEN TRING TO HELP ALL THEY WANY IS MONEY ... WELL THIS DEBT BEEN PAID MONTHS AGO YET THEY STILL HAVE IT ON XXXX   REPORT. THEY ARE NOT HELPING IN THE PRONLEM THEY MORE THAN HELPED CREATE

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 2019-08-12 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: GA

Complaint narrative:
I submitted a FTC Affidavit along with a police report to XXXX showing that the XXXX XXXX XXXX account was opened as a result of fraud. This matter still has not been resolved. I need your assist in getting this matter resolved. I also can't see my credit results for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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 received a letter from XXXX  year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of this

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 2019-08-12 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 received a letter from Equifax year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This relates to my prior complaint ( # XXXX XXXX. I received the attached letter from Wells Fargo stating they received an unsigned letter from my son authorizing for me to communicate with the bank on his account. This is false. They received a signed letter, a copy of which is attached. 

Now that that is settled, I want a copy of all XXXX 's bank statement for the year XX/XX/2014 for the account ending in 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 2019-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I had a 401k retirement account through my employer managed by Wells Fargo in XX/XX/XXXX the company filed for bankruptcy and I was laid off. I submitted a direct rollover of the full amount to a new XXXX IRA with a different financial institution which was completed on XX/XX/XXXX and showed my account as having a balance of {$0.00}. On XX/XX/XXXX I received a check for {$1.00} the statement saying this was a direct rollover - termination benefits and a balance of {$0.00} I mail this to my new financial institution to be deposited into my new IRA. On XX/XX/XXXX I received a check for {$2.00} saying direct rollover - termination benefits because the amount increased and because I am receiving another check I call Wells Fargo retirement services and speak to someone who informs me this is a residual balance and my account balance is now {$0.00} and I will not receive any more checks, she can not explain why this is the second check I have received or why the amount has increased. I once again mail the check to my new financial institution to be deposited into my new IRA. On XX/XX/XXXX I receive a check for {$0.00} I call again and inform them I want my account closed and am told the same thing this is a residual balance because I picked aggressive options for the market, but that my account is showing a {$0.00} balance and I should not receive any more checks. I do not mail the check because the stamp and envelope cost me more than {$0.00} to mail it. Now with a check data XX/XX/XXXX I have received {$10.00} this has been over one year now that my account was supposed to be closed. I called again and am told again this is a residual balance they just keep repeating that this is a residual balance. I say that I want my account closed they say that this is because of the market and it is out of their hands. They did say they would submit a request for an investigation and that a person would look at my account and let me know if I will be getting any more checks. This is not a solution I just want my account closed.

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 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I received a invite to apply for the card I followed all steps. Your system is not working

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Maximum Title Loans, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX kept calling and Harressing me consently regarding and XXXX XXXX after me and my XXXX XXXX contect person XXXX XXXX one of accounts Manager at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX has sent Both XXXX XXXX Store Manager on XX/XX/2019 and XXXX XXXX from XXXX XXXX XXXX Collection Department the Power Of Attorneys Authorization form to communication with as my Power Of Attorneys from XXXX XXXX XXXX regarding my loan account and amount to set up payment arrangement to get them to set up and settlement offer to settle loan account. And provided them the cease and desist notice on XX/XX/2019 to cease and desist and terminate any all collection Harressment cal and to direct all communication with XXXX XXXX XXXX my Power Of Attorney to settle my loan account they has on filed and they consently kept calling and Harressing me regarding loan dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a XXXX card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to XXXX since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a XXXX card charged off in XX/XX/XXXX. I was sent a 1099-C in XXXX of XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to XXXX since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?

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 2019-08-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a XXXX card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to XXXX since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?

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 2019-08-12 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: NY

Complaint narrative:
I recently visited the XXXX XXXX on XXXX and XXXX in New York to purchase something. The sales associate mentioned an offer for a " Store Card '', that was explicitly NOT a credit card, and I would save 10 % off my order. I agreed and went through the application, and at multiple junctures, I asked why I was being asked different questions similar to a credit card application, and I was assured it was just a quick check, and I wasn't getting a credit card. Multiple times he said I was getting a " Store Card '' that had rewards benefits similar to a credit card, but it wasn't a credit card. I assumed it was another extension of the XXXX XXXX. After the entire transaction was through I saw that the 10 % was not taken off my transaction and only AFTER the transaction was completed and my shiny new credit card was charged, was I told that the 10 % was going to be put on a rewards balance. This is absolutely disingenuous and I'm pretty sure there are consumer protection laws against this type of behavior. I am lucky in that I have a decent enough credit to be ok with the random credit check and I was able to call CitiBank and have the card cancelled. I just want this to be investigated so that other people who may be  more vulnerable can be protected from this kind of predatory behavior.

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