vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 

Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility.

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

Please acknowledge that you have received this notice within 14 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spoke to Capital One right back in XX/XX/XXXX of this year. I was very disturbed when I found out that they had reported me 30 days late in XX/XX/2018 and then 60 days late in XX/XX/2018. So when I called them, I was told that there had been a balance of {$18.00} on my credit card. I had never been notified of this small outstanding balance and didnt even get any credit card statements. I spendt well over 1 hour, talking to various CSRs and esclating to management, but to no avail. I tried reasoning with them, as why would I destroy my credit for {$18.00}? I have tried dispute through the credit reporting agencies, but nothing happens there also. This is the only thing that is causing a huge hurdle in trying to get approved for a home loan. 

Please help! I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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 use my Citi Credit card purchased a pair of car headlights ( {$1600.00} ) from the online merchant ( XXXX ) on XX/XX/2018. After I paid couple hundred dollars of labor to install the purchased headlights, I found one of the headlight was defective. I contacted the Merchant immediately and provide them the proof of the video and hope them can fix the issue asap but never ask for a return. After reviewed the video I provided, merchant confirmed that is a product defect, but they request me to damage the product instead of a return, then a refund will be processed.I explained to the merchant that I do not know how to deal with the headlight, and I have paid labor to install them. Its really make no sense for me to pay extra labor to uninstall and destroy them. Since all the issue is caused by a product defect, they should issue refund unconditional immediately. If they want the product be destroyed, they have to pay any labor occurred or refer me to any body shop to do the job. The merchant rejected my proposal. 
The merchant did totally against what they said Client is always right. What they did is try to make difficulties to their clients and force them to eat lose and abandon consumer rights. In this case, they clearly know I will not pay extra labor in order to follow their request to destroy the product, even the fault is caused by them, a product defect! That is the main reason they insist the product must be destroyed before they process the refund. As a consumer, I really feel unfair with my experience. 

I have provided all explanation attached with evidence and dispute the charges to the Citi bank. The merchant make black look white and told the partial of the story BUT NEVER declare the fact truthfully to the bank. The Citi bank never do a deep investigation but reverse the credit on merchant 's favor. This is totally not acceptable!

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 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Charlottesville Bureau of Credits, Inc
State: NC

Complaint narrative:
I discovered an unknown account on my personal credit report. I contacted the company by way of registered mail twice and I have not heard back from them. However, the credit bureaus allege that XXXX XXXX XXXX says the account belongs to me. I have know knowledge of what the account is for or whom the original credit is. I was not afforded the opportunity to dispute the unknown allege debt- it was just placed on my credit. I was told they can not do that and its against the FCRA. I have also contacted the Attorney General, FTC and your institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2019, Citibank closed all my credit accounts including where I was an authorized user. No explanation was provided and when I attempted to request information, I was given a generic excuse regarding a credit reporting agency listing me as a high risk. After reviewing my credit reports I found NO deragotry information in the 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 2019-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased a mattress from mattress firm and subscribed to a zero interest payment plan. However, prior to delivery i was informed the mattress was defective and so i cancelled my order, but an account was still opened in my name.

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 2019-03-27 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: CA

Complaint narrative:
Experian forwarded your company information in the complaint number XXXX that is not true or correct at all. Experian, you state that you opened a " reinvestigation '' in XX/XX/XXXXwhen I have continually asked for my bankruptcy information to be updated for nearly 2 years now from your company. I simply stated in my requests to you that if you were unable to update the information accurately then please delete it. I am in no way accepting your falsehoods as accuracy. I have contacted each company listed in my original complaint and verified that they have my account updated as discharged in chapter XXXX bankruptcy. THIS WAS DONE AFTER XX/XX/2017 AND BEFORE XX/XX/2017. In other words this was verified PRIOR to my contacting your company. I have sent every item of documentation you have requested. The only thing I have not done to date is sue your company. If you are stating on record these data furnishers are purposely supplying you with false information then I should have been promoted to take legal action against them. However in this case the data furnishers are assuring me that it is in fact EXPERIAN who is supplying false data. I no longer have any active accounts with any of these creditors. Updating my information accurately has nothing to do with signature slips as you noted in your CFPB response. It is simply updating information accurately which YOU ARE IN FACT OBLIGED TO DO by LAW, FCRA SPECIFICALLY. You are blatantly refusing to update my information and have caused me severe hardship by doing this. Therefore you have left no further choice but lawsuit. To date I have sent you discharge papers, bankruptcy schedules, creditor letters, and CFPB complaints. I will seek every damage and remedy afforded to me under the law and am more than confident I will prevail. I have every piece of documentation including your recent blatant regard for the federal laws that protect us both. 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 2019-03-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: OK

Complaint narrative:
They failed to properly notify me of student loan debt. No written paperwork concerning my debt or payment options. Just ended up having late payments on my credit report without proper notification of when I was supposed to pay or my plan. I was sending in paperwork for my payment plan but was never notified or sent back paperwork to communicate if paperwork was received. Then I ended up having all these late payments on my credit report which is unfair and not lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX, I contacted CitiBank requesting them to close my checking and savings accounts. Prior to account closure, my account balance level qualified my accounts for a waiver of account fees. At the time of the call, I had already transferred all my funds out of the account, therefore the service representative informed me that my accounts would be closed with no further action needed. I confirmed during the following week that my accounts were closed by logging into CitiBank 's online portal, which correctly no longer displayed any of my accounts which were closed. 

Later, on XX/XX/XXXX, I received a letter from CitiBank dated XX/XX/2019, informing me that a " Bank Service Fee '' in the amount of {$25.00} has been charged to my account, which had been closed more than a month prior. The letter indicated that the account balance was {$0.00} ( XXXX XXXX ) prior to the fees being charged, resulting in a {$24.00} overdraft. I believe that the balance claimed by CitiBank is incorrect and my account should have had a {$0.00} balance due to being closed. Additionally, the letter detailed what appeared to be an overdraft fee in the amount of {$34.00}. 

Since the account had already been closed more than a month prior at my request, I believe that the service fee and the subsequent overdraft fee were in error. 

On XX/XX/XXXX, I contacted CitiBank 's customer service. I spoke to XXXX ( ID number XXXX ) who assured me that the account would be closed and that the service fee and the overdraft fee was refunded. 

On XX/XX/XXXX, I received a letter from Citi bank, dated XX/XX/XXXX, demanding a payment of an overdraft in the amount of {$58.00} and threatening to report my accounts to consumer reporting agencies. 

On XX/XX/XXXX, I contacted CitiBank 's customer service. I spoke to XXXX ( team ID number XXXX ) who informed me that the savings account had not been closed and remained open with a balance of {$0.00}. XXXX also confirmed to me that the overdraft charges for that account had been refunded. I once again requested that XXXX close the account. XXXX confirmed to me that the account will be closed. I also notified CitiBank that I believed that I should not have had any remaining balance in the account, but that they were welcome to disburse the balance via check if they disagreed with that assessment.

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 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/2018, I came home from a Spring Break vacation with my kids to find my wife had moved out and filed for divorce. Her lobster lifestyle on our baked beans budget and job layoff had led me to over utilize four of my credit cards ( XXXX XXXX, Bank of America [ BoA ], XXXX, and XXXX ). I contacted each of them to discuss my problems and see if there was anything I could do. XXXX offered a temporary reduced rate and monthly payment. XXXX also offered a temporary reduced monthly payment. XXXX didn't have anything to offer. BoA suggested I open a new account with them to take advantage of available credit and shuffle some high-balance accounts around to promotional balances. Although I was initially skeptical of this approach, I was desperate not to get into an even worse situation and agreed. I was disappointed that the best they could do was a second account with a {$2200.00} limit but went ahead and transferred {$2000.00} to this account. What ensued led to significant impacts to my credit that I believe are still affecting me today. Rather than simply open a new account for me with this new line of credit like the rep had explained, BoA took the {$2200.00} off of the credit limit for my existing account. This basically put my debt to credit ratio for that account at 100 % and led to a domino effect across the other cards as they saw BoA drop my limit. My available credit for the XXXX card dropped from {$25000.00} in XX/XX/2018 down to {$21000.00} in XX/XX/2018, which not only put that account 's debt to credit ratio at almost 100 %, but also cancelled out a balance transfer request that I had just submitted. I spent a considerable amount of time complaining to XXXX and BoA about these issues and trying to describe what happened but they didn't seem to care. I'm wondering if the BoA reps get an incentive for opening new accounts and if that motivated them to push me in that direction. I'm trying to get a home equity loan to address all this horrible credit card debt but can't do so because of these issues with my credit. I've been very disappointed with BoA and regret ever doing business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: MO

Complaint narrative:
This company is displaying inquiries on my credit report which are not mine and refuse to correct their mistake

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 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion responded to your previous complaint number XXXX stating that they were forwarding the complaint to their consumer relations departments and it will take 60 days to receive an answer. There is no law that grants them 60 days to respond to my concerns. If I attached the discharge documents that they asked for, which I did, then it does not take 60 days to review the documents and admit the errors that they have continuously allowed be reported on my file. I have struggled to get answers with this for nearly 2 years. I am beginning a law suit against another report furnishers for a similar offense and will be including Transunion as well. I have asked for the erroneous accounts on my report to be updated to reflect my bankruptcy for nearly 2 years. I have contacted the data furnishers and they confirmed that my information is reflected as discharged in the bankruptcy. Transunion has failed to update this as well. This failure is causing me severe hardship including not being able to secure housing and employment. This has been an ongoing issue with multiple credit report furnishers. I will be following up with law suit with all parties involved.

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 2019-03-27 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
This company is displaying inquiries on my credit report which are not mine and refuse to correct their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This company is displaying inquiries on my credit report which are not mine and refuse to correct their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WA

Complaint narrative:
I had an account with Union Bank until 2018. I was supposed to receive a 1099 INT from the bank for the account opening bonus I earned. However, the bank never sent me one. When I called the customer service phone number and spoke for almost an hour, the bank wanted me to come to a branch to collect the form whenever they got around to mailing it. No one has committed to mailing any form or acknowledging that the form would be created. In the meanwhile I am expected to keep polling the branch if they got any mailed form for me. Why does the bank not follow regulations and mail the 1099 INT form to my home address as required by law?

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