vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a bed frame from XXXX XXXX XX/XX/XXXX and when it was delivered it came in an open box with missing parts and missing instructions. I called the store to have them replace the item and they said they would but failed to pick up the item and give me a credit. SO I called my credit card and opened a dispute. When I did this Citi sent me a letter requesting some information and I immediately filled out the letter and sent it back in by mail as this was the only option given to me. During that time I received an email on XX/XX/XXXX stating they have received my letter and would have an answer shortly. The next day XX/XX/XXXX, i was told I did not mail the letter and declined my claim. I called them about it and they hung up on me twice before I was able to have the case reopened. 
I am shocked and disturbed th
at Citi card actually allow merchants to give broken/incomplete items to its customer. I have had to make over 7-8 different calls and send written letters to make my case. This is a perfect example of how a credit card makes it hard to place a dispute, they are not protecting their customers at all. This is a stalling/deterring tactic so consumers can be taken advantage of.

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 2017-11-29 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was divorced in XX/XX/2015 and as part of the decree, my ex-spouse was 'awarded ' a credit card balance and account ownership of a closed credit card. While I was originally the primary and sole credit card holder upon initial opening ( I did n't yet know my ex-husband ), legally the debt and account have been updated to be his sole responsibility. However, USAA ( my credit card company ) is unable to legally remove me from the account. I have opened a dispute with XXXX to have the account removed as it is the highest credit impact on my credit score and they have stated they are not able to remove accounts individuals " own ''. Legally, I no longer own the account and can not get the credit reporting company nor my bank to remove me as owner. My ex-spouse has a large amount of debt on top of what he owes on this particular credit card, and as it is not legally my responsibility, I would appreciate the immediate removal from my credit reporting effective the date of divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX College. The account was removed from my XXXX report but not my XXXX. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: MN

Complaint narrative:
We ( XXXX XXXX XXXX XXXX, PA ) emailed our customer in XXXX ( XXXX XXXX XXXX ) an invoice for professional services rendered. The customer responded to the email asking if we would accept a wire transfer for fees invoiced. We responded and said we would and never received any request for the wire information. Later we discovered that the email was hacked and the hacker sent an email to the customer with account information that was not ours but very similar. The customer wired the money from their bank ( XXXX XXXX XXXX ) to the account listed in the hacked email. The bank ( Sun Trust Bank ) that received the wire stated that the account that received it is now closed. The funds did not go to the intended recipient.

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 2017-11-29 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX XXXXXXXX XXXX dated 1XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX  XXXX/XXXX XXXX dated XX/XX/2017, XXXX XXXX/ZALES X/XX/2017 and XXXX XXXX dated XX/XX/2017, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

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 2017-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
went into advnace america XXXX XXXX XXXX in XXXX XXXX  on Friday XX/XX/XXXX to recieve a loan for XXXX to pay an insurance bills, i was between jobs, and collecting unemployment. 

I started work on XXXX/XXXX/XXXX They gave me the loan and charged me a service fee of XXXX when I recieved my first paycheck on XXXX. I came into that location and paid a young boy with cash, who gave me a reciept. 

About three months later, I was being inundated with calls. sometimes twice a day about 15 calls a week every day. I never returned the calls because I had a reciept I blocked them. 

Today I looked into my account and saw that they over drew my account for XXXX I called XXXX XXXX, filed a fraud claim, and had the charges reversed, I revoked the ach authorization and had to close down my account. 

When I called this location they had me blocked. and when i called from another number they hung up on me. 

I am filing a criminal complaint on this location.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: TX

Complaint narrative:
My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this complaint.

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 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I feel the {$10.00} fee to freeze my credit report with experian is unjust and amounts to extortion. I never signed any agreement with this company to give them power over my credit, yet they yield the power to wreak havoc in my life by enabling identity thieves. It should not cost me a penny to protect myself from this, and other credit companies.

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 2017-11-29 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: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX, XXXX a third party debt collector stating they had placed a lien on my vehicle. They told me I owed them {$1600.00}, but they would settle for {$740.00} and that I missed a court date in XX/XX/XXXX. I was never notified of a court date, I never received any information about a debt trying to be collected. I learned the debt was from XXXX XXXX. My bankruptcy that was discharged in XXXX XXXX, Jared was a listed creditor and was notified of the granting of discharge under section 727 of title 11 United States Code by email on XX/XX/XXXX at XXXX. During the purchase of my home in XXXX of XXXX, I had to get a judgment vacated from XXXX XXXX, the previous third party creditor hired by Jared to collect the debt. The court vacated judgment, as the debt was discharged in my bankruptcy in XXXX. The XXXX XXXX stated they placed a lien on my new vehicle purchased in XX/XX/XXXX. On XX/XX/XXXX I emailed a copy of my bankruptcy to the XXXX XXXX. Today XX/XX/XXXX I called to follow up. I was informed my account has been closed. They told me they closed my account and referred me over to criminal charges, because it did n't matter that my debt was discharged in bankruptcy, it was theft and I stole property. I called my loan company for my vehicle and I called the MVD, no lien has been listed. I 've checked with all courts, I ca n't find record of a previous court date, nor can I find any information about criminal charges. This debt is not owed, I 'm being threatened with my personal property and criminal charges.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Company refused to send me a settlement offer letter prior to making payment - asked multiple times and they kept hanging up on me after trying to transfer me to a manager. 

I asked for this to be removed from my credit report if paid in full due to the fact it is considered a utility bill and they refused and said that is not possible. 

As an American male of the age of XXXX I am aware of my rights and they refused to comply by them. 

After days of arguing with them I decided to pay the settlement in full - they barely verified any of my personal information which made me a little nervous about giving them my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX dated XX/XX/XXXX, SANTANDER CONSUMER USA dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 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: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX dated XX/XX/XXXX, XXXX XXXX XXXX datedXX/XX/XXXX and COMPASS BANK dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Monday, XX/XX/XXXX I noticed there was a debit/hold on my checking account for {$1500.00}. I called Bank of America and spoke to XXXX and then XXXX from the claims department. He told me they did not know what it was for and could not tell me until the transaction was processed. On Tuesday, XX/XX/XXXX, the debit was processed and I called back at XXXXXXXX XXXX when they open and spoke to XXXX. She was more than happy to try and help me, but could not. She transferred me to XXXX in the fraud department who told me it was a debit from XXXX XXXX XXXX for a forged check that was missing endorsement. The check in question I deposited on XX/XX/XXXX was from XXXX XXXX XXXX XXXX XXXX for a claim they paid. The check was made out to my husband and the check was endorsed by same. Bank of America then told me there was nothing they could do even though they had no back up or paper trail for the debit from XXXX XXXX. I then called XXXX XXXX XXXX XXXX XXXX and spoke to XXXX at XXXX XXXX who told me they have no record whatsoever of the " forged check '' from XXXX XXXX. The claim # for my report to Bank of America is XXXX and the call reference # for my complaint to XXXX XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX will not speak to me because I am not a customer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
This mechanism has been designed to inform you that I XXXX XXXX XXXX resides at XXXX XXXX XXXX XXXX, XXXX.Pa XXXX. I have been struggling since the XXXX XXXX which took place during the XX/XX/XXXX-XX/XX/XXXX. My mortgage was transferred through the XX/XX/XXXX. It went from XXXX XX/XX/XXXXto XXXX XXXX to XXXX XXXX XXXX. I also know that XX/XX/XXXX was a fraud, and I also know that XXXX XXXX was in a lot of trouble for this. My mortgage has been passed through a dangerous system. No one can tell me who owns my mortgage as of this day. If you could look into this matter it would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: OH

Complaint narrative:
I lost my job in XX/XX/XXXX, no income until XX/XX/XXXX. Tried to negotiate with lender for a hardship. We have 5products from US Bank. I 've been tossed around the cust reps and when trying to return calls, was having 20 to 25 minute wait times. We get 10 calls a day. I gave up trying to get the help they told us.

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 2017-11-29 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiries, which appears on my credit report from Exeter Finance datedXX/XX/XXXX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This is my second attempt to get this resolved. Below is my original message to CFPB was contacted in XX/XX/XXXX from Portfolio Recovery, I had told them then I had filed bankruptcy ... .previous to me filing bankruptcy ( roughly a year prior ) they sent me a tax form which I had to use when I filed my taxes, I do n't remember the form but it was for bad debt. They call me everyday all day from different numbers all over the United States XXXX XXXX XXXX XXXX XXXX I have told them about my bankruptcy, told them about the tax form that was sent ... ..they will not stop calling me and harassing me. 

This was their response : Portfolio Recovery Associates, LLC ( PRA ) is in receipt of your complaint, dated XX/XX/XXXX, but with the limited information that was provided to PRA, we are unable to identify an underlying telephone calls which we can investigate. In order for PRA to locate the telephone number linked to your complaint, we ask that you provide us with the telephone number at which you received our calls. In order to resolve your complaint, we will need additional information to investigate and resolve the issue. Specifically, we need to know the telephone number at which you received our calls. 

Ironically for them to NOT have my phone number the phone calls ceased, up until today XX/XX/XXXX, they are blowing up my phone, back to back calls from all over the United States. These calls need to stop!!!!!!! i 'm tired of the harassment and can no longer leave my phone on at work, which causes an issue if there is a family emergency.

Company response to consumer: Closed with explanation