vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX  XXXX ( XXXX ) called me at XXXX at work about a best buy credit card from years ago, today XX/XX/19 threatening with legal action causing me extreme anxiety. The first call consisted of a voice message recording saying that I have a case against my social security number, name and other things. I call back, they say the last 4 of my social security number and name to verify if I'm who they are trying to contact. I said yeah and they proceeded to say basically if nothing is done today that the courts will proceed with my case and it'll cost $ 3,000+. 

They offered me to pay {$300.00} today, {$300.00} this Friday and the rest by the end of the month which would be a settlement of the original {$1200.00}. Or if I paid {$1000.00} today that it'll be settled. I remember paying off a settlement which I don't remember the balance or which creditor had the debt, a few months ago and it said after paying that, it would've been settled and paid off. So I paid that and then they call today with what I described earlier in this message. I told them I can't afford that right now and they said if I can't they have no other choice but to let this go to the court. They didn't seem to be too professional and told me they can't provide information as to who sold them this debt or provide proof of this debt. I told them that I'll call back, they said I only have 60 minutes from the time I called back or they will pursue with the case. 

About 2 hours later I get a call from XXXX PA District attorneys office ( XXXX ) at XXXX saying that do I know of XXXX XXXX XXXX and I hung up, called that same number back at XXXX and they said no one from there ever even called me and they don't even have any of my information in their office. So at that point I knew something is up and while I was on the phone with the real people from the district attorney 's office, they were spoofing their caller ID again and I didn't answer. Then they called from XXXX at XXXX and again it was them but I didn't answer. At this point I'll probably sue them for harassment and want to report them for the harassment as well.

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 2019-07-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to remove the fraud alerts from each bureau but have been successful in reaching. The fraud alerts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: TX

Complaint narrative:
FTC VIOLATIONS! INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THESE ACCOUNT! FTC WAS SENT THEN TRANSUNION PUT THEM AS COLLECTIONS. PLEASE HAVE THESE REMOVED! THESE HAVE BEEN REMOVE BEFORE AND TRANSUNION PUT THEM BACK ON! PLEASE HELP! 

1.XXXX XXXX XXXX # XXXX {$210.00} 2.XXXX XXXX # XXXX. {$65.00} 3. XXXX XXXX XXXX # XXXX {$630.00} 4.XXXX {$73.00} 5.XXXX XXXX XXXX # XXXX {$6800.00}

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 2019-07-01 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: GA

Complaint narrative:
XX/XX/2019 the amount on 1st account is XXXX. 2nd account is XXXX. 3rd account is XXXX. I have filed a identity theft affidavit, and has ask to creditors reporting agency to provide me proof and verify these accounts because these accounts are inaccurate. The creditors can not verify these accounts and has no prof that these accounts belongs to me. I want these accounts verified from the credit reporting agencies before they start reporting inaccurate accounts and derogatory accounts on my credit report. I want a fair investigation on all unverified accounts thats on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I signed up for a United Explorer Chase credit card on XX/XX/XXXX through the United Airlines website, offering me a {$250.00} statement credit and XXXX bonus miles. I went through the full online application process and received a notification that day ( XX/XX/XXXX ) from Chase that my request had been approved. After booking my flight, I asked to speak to a United agent to see how I would receive my credit. She told me that Chase is in charge of the program and I would receive the credit on my first statement. Subsequently, on XX/XX/XXXX, I called Chase to confirm that the credit would show up against the United flight payment I booked on the card, only to be told that offer the {$250.00} credit would not be honored, and instead they were offering me XXXX bonus miles after spending {$2000.00} in the first three months. When I asked how that was possible given that I had signed up for the {$250.00} offer ( which was in fact the only reason I was enticed to get the card ), she couldn't give me an answer and told me she would take it up with Customer Service who would get back to me. I received a letter dated XX/XX/XXXX from Chase stating that indeed the {$250.00} offer would not be honored, stating that " one must apply through [ the United.com ] channel '' to receive this offer. When I called Chase to explain that I in fact had applied through United.com, I was told there was nothing he could do. After arguing for a while, I decided to simply cancel the card and file a complaint rather than wasting any more time with them. This seems like classic " bait and switch '' advertising that in my view is outright fraud. Not only should Chase lose my business for treating customers so poorly, but I believe they should be otherwise fined or publicly reprimanded to help other customers avoid being duped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing charges according to my rights disclosed in section 609.. about my credit report not showing anything owed to this account with XXXX XXXX XXXX . There have been repeated threatening calls and just today on XXXX XXXX, 2019 a letter threatening to forward an account listed in the letter, for a possible litigation through a in the state of Michigan. They are threatening me, if I don't respond with payment of {$3900.00}, for an account that has no credit report backing it and no proof of a written signature by me, that by XXXX XXXX, 2019 they will pursue litigation against me. 
I have requested them since receiving these letters to produce an original signature of my own hand-writing and the original contract for this account. I have in previous complaints submitted evidence of identity theft, which was also backed through local police reporting. 
The company responsible is XXXX XXXX XXXX with address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX another address shown on letter is : XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX There report is on some, FifthThird Bank-Real Life Rewards with some listed Account Number : XXXX Reference XXXX Account Number : XXXX with a proposed amount owed of : {$3900.00} I am requesting you to ask them to produce evidence to you and me that there is a written signature by me and that they can show an original contract that would show this as a valid debt. I fear this may an identity theft issue. 
I also do not see this debt reporting on any of my credit reports. 
Can these institutions still threaten with calls and these letters without the backing of the credit report. I have included an attachment of this letter as well. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank continues to report negatively to credit bureau that I paid less the full amount on credit card, after we came to an agreement, that I would pay XXXX, and it would be settled in full and no negative reporting, in XX/XX/XXXX. I paid it that day, and then creditors dropped me, and I inquired the said it was what Wells Fargo reported, and they didnt want to take a chance, even when though I had never been late with a payment with them. Then this XXXX XXXX, Research and Remediation Analyst in Wells Fargo Bank Executive office continues to report it as open, when it was settled and closed. They have continuously and negativeltly harmed my fico score, and I'ved repeatedly asked them to correct it, and the say the same " We have recieved your account activity since our prior response, and our response is the same, that our information is correct ''. 

Letter dated XX/XX/XXXX says " Your account was was settled with us, we reported a settled status to the consumer reporting agencies that may also have included some elements of a charge-off status ''. 
XX/XX/XXXX last response from them, " We found the information to be correct ''.

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 2019-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
Phoenix XXXX debt collection company received payoff amount of {$400.00}. I paid 2 payments of XXXX XXXXon XX/XX/2019 and {$200.00} on XX/XX/2019. They promised to send me receipt and closing notice by email or us mail but I still havent get any notice today. 
I just need written approval of paid off and closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: Source Receivables Management LLC
State: FL

Complaint narrative:
The collection company SOURCE RECEIVABLES M is trying to collect a debt that has been discharged in my bankruptcy. Please delete this account from my XXXX  and XXXX  credit report. The account shows a balance for {$1800.00}. The original creditor was XXXX. I already submit a dispute but they told me the information is accurate but is not. My lawer is aware about this situation and he told me they suppose to removed that information from my report,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: MD

Complaint narrative:
Santander Consumer USA has been subjected me to illicit and predatory practices. Upon paying off the car note, I received a final bill for undisclosed fees that I had to pay in order to receive the tile of the car. On XX/XX/XXXX I received a Notice of Intent to Repossess stating that a payment of {$2500.00} is due on XX/XX/XXXX. AFTER MAKING a paiement of {$500.00} XXXX XX/XX/XXXX. When asked what was the remaining balance, The company representative informed me that the new balance was {$3.00} XXXX. 

My payment schedule was 72 Payments. The car was purchased in XX/XX/XXXX. 

Year/ Make/Model XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE CHARGED XXXX AMOUNT FINANCED XXXX TOTAL OF PAYMENTS XXXX DOWN PAYMENT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was a victim of fraud and my case was denied and Bank of America is refusing to refund the money. I reported the fraud to the Bank of America XXXX XXXX XXXX within 24 hours of the fraud commencement. I spoke with XXXX. ( you said no name ) The case involves a juvenile who is my XXXX XXXX XXXX daughter who was threatened and intimidated by online organized theft network based on going police investigation pending Case number for the checks fraud for the amount {$9600.00}. 
Based on Banking laws, the bank shall be liable and not the account holder. 
Please inquire and let me know final Bank of America decision in order to know the next step. At this point, I want to avoid taking the case to the Federal Reserve to judge in this matter. 
Sincerely

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 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My debit card was stolen on XX/XX/2019 and I didnt find out until XX/XX/2019 because I checked my balance and there were unauthorized transactions made. 
The following transaction were XX/XX/2019 {$20.00} at a XXXX XXXX XX/XX/2019 {$200.00} at a XXXX XXXX  XX/XX/2019 {$210.00} at a XXXX   XXXX Once I found out about the unauthorized transactions I called the card company and cancelled my card. I then called and made a dispute to get my money back but My refund was denied because there wasnt sufficient evidence when I made the dispute. They then told me they would send me a letter in the mail In 7-10 business days saying why my dispute was denied and in the mail would be more forms to dispute the denial of my refund, but I never got a letter in the mail even after almost a month. I tried calling again, the company is still telling me that there are no new updates and the dispute team has been working on it but its been almost 4 month since I filed a dispute and I still havent received my refund for the unauthorized transactions.

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 2019-07-02 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: TX

Complaint narrative:
On XX/XX/2019 I requested Transunion provide me with the method of verification for the accounts with XXXX XXXX XXXX XXXX # XXXX, # XXXX. All Transunion did was send results saying they updated the account. They never provided me with the method of verification showing how they have the right to report this account 100 % legally. 

I even reached out to XXXX XXXX XXXX XXXX regarding both accounts and requested a contract with my signature and documents to ensure the information is being reported 100 % legally and accurately. XXXX XXXX XXXX XXXX did not provide me with anything. Clearly they didnt have anything to verify the debt. So how was Transunion able to verify the debt. Well they did not. They are violating the FCRA by continuing to reporting unverified accounts.

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 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: WA

Complaint narrative:
Allied International Credit corp is attempting to collect an invalid debt on behalf of XXXX. I called XXXX and I dont know any debt to them and they said its probably a scam and to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: GA

Complaint narrative:
XX/XX/2019 the amount on 1st account is XXXX. 2nd account is XXXX. 3rd account is XXXX. I have filed a identity theft affidavit, and has ask to creditors reporting agency to provide me proof and verify these accounts because these accounts are inaccurate. The creditors can not verify these accounts and has no prof that these accounts belongs to me. I want these accounts verified from the credit reporting agencies before they start reporting inaccurate accounts and derogatory accounts on my credit report. I want a fair investigation on all unverified accounts thats on 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 2019-07-02 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: GA

Complaint narrative:
XX/XX/2019 the amount on 1st account is XXXX. 2nd account is XXXX. 3rd account is XXXX. I have filed a identity theft affidavit, and has ask to creditors reporting agency to provide me proof and verify these accounts because these accounts are inaccurate. The creditors can not verify these accounts and has no prof that these accounts belongs to me. I want these accounts verified from the credit reporting agencies before they start reporting inaccurate accounts and derogatory accounts on my credit report. I want a fair investigation on all unverified accounts thats on 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 non-monetary relief
Consumer complaint received 2019-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to remove the fraud alerts from each bureau but have been successful in reaching. The fraud alerts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: FL

Complaint narrative:
I have been trying to remove the fraud alerts from each bureau but have been successful in reaching. The fraud alerts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
Experian has failed to complete investigations on the accounts listed below. It is a violation of the FCRA to not properly investigate accounts when requested. 
XXXX XXXX XXXX Simple Account Number : XXXX -date updated on this account shows XX/XX/XXXX and I have disputed this account last month. 

XXXX XXXX  XXXX Account Number : XXXX-date updated on this account shows XX/XX/XXXX and I have disputed this account last month. 

XXXX XXXX XXXX Account Number : XXXX date updated on this account shows XX/XX/XXXX and I have disputed this account last month.

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 2019-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
I received a copy of my credit report and noticed the company gateway one lending is not updating the balance on my credit report the company is not reporting my payments the balance on the account is still showing high and I have been making my payment please look into this company I think they are not reporting that my balance is decreasing so that other car lender won't finance me I dont think its right I have been making my payments and they are not reporting them to the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: AZ

Complaint narrative:
I applied for a XXXX position and I was told that my background check had some criminal history and was denied. My criminal record was set aside in the state of Arizona XX/XX/2016. my rights were restored and I was released from any disability a XXXX would cause me such as the inability to gainfully be employed. I am a XXXX 's level XXXX XXXX   and having my charges set aside is vital for my profession.

Company response to consumer: Closed with explanation