vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: LA

Complaint narrative:
I called the company and attempted to dispute this debt because I do not owe this debt and was not helped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank and their attorneys have repeatedly provided false statements to me and the CFPB concerning Citibank 's access of my credit report. 

In the attached XXXX XXXX letter, Citibank denies accessing my personal credit report. 

In the attached email from XXXX, XXXX confirms Citibank repeatedly accessed my personal credit report. 

Citibank has repeatedly promised to stop sending me credit card offers. 

Citibank continues to send me credit card offers, and does so with the full knowledge that those offers will not be approved by Citibank. 

Citibank wo n't stop bothering me, wo n't stop accessing my credit reports, and wo n't stop sending me false offers of credit. 

I filed a JAMS arbitration case against Citibank to address these issues. Citibank refuses to pay their share of the JAMS ' fees so the case can proceed.

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 2017-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AR

Complaint narrative:
My name is XXXX XXXX in my loan has been bought by LoanCare which is a terrible company to deal with along with the employee. They call me stating that I had a shortage due to the taxes going up in my area I made three separate payments on it in the last payment did not get applied so my mortgage went up I had to call the company several times and every time that I would speak to different representative they would tell me that they applied it which was never the case so LoanCare sends me out another statement saying that I have another shortage due to me changing Insurance Company the shortest was only supposed to be for {$360.00} they sent me a statement saying I owe them a shortage of {$420.00} which I have no clue on how they got the math because my last insurance was only {$870.00} for the year and my new insurance is only XXXX for the year. For the month of XXXX I paid an additional {$100.00} to go towards the {$360.00} shortage they did not apply and also told me that my loan monthly payment was a different amount because the first escrow shortage was n't paid which was incorrect. I have had to call LoanCare so many times and speak with so many different people they will tell you whatever it takes to get you off the phone and not seem to care at all about your loan nor your heart earn money so I spoke with a manager agent ID XXXX from LoanCare I just went on and made the full payment of the last escrow shortage that they told me I had in full so I would not continue to have headaches dealing with this company I really wish I can get my loan transferred to professional company I 've never had this many difficulties dealing with a mortgage company this telling me every other month I have a escrow shortage the mortgage banks already are robbing us blind we 're paying our homes off three times the amount that is worth just in intrest and it really should be against the 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
Consumer complaint received 2017-10-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax in regard to a hard inquiry on my credit from a XXXX, XXXX XXXX XXXX, XXXX MD XXXX. I have informed them that I did not authorize that they are reporting something incorrectly and that since I did not authorize this its is against the FCRA as it was not for employment, credit, insurance or court ordered and I do not know what this is for. They have refused to remove something that I have informed them is incorrect and have put it back on the company that pulled this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stephen L. Bruce, P.C.
State: OK

Complaint narrative:
I was involved in a car accident in XXXX of XXXX in which I suffered a XXXX XXXX Injury ( XXXX ). I had been reported to a collection agency in Oklahoma ( Stephen L. Bruce XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) dare of first delinquency and also when I missed my my first payment. 2 ) Statute of limitations may not validate the debt. 3 ) Copy of the original signed agreement and balance on the account from zero to present. 4 ) What is the account number of alleged debt? 5 ) When was the last payment made o this debt? 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX and XXXX are trying to collect a debt that is not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with this stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have expressed to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XXXX XXXX ) was being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from severe headaches, panic attacks and have also survived a suicide attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen with the remaining time of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: CA

Complaint narrative:
Because I have been a victim of identity theft I placed a alert of my credit it now as of XXXX/XXXX/XXXX has a freeze on it. On XXXX/XXXX/XXXX I received notification via XXXX XXXX  XXXX of an alert. The alert showed a hard inquiry by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
They are located in XXXX, NC. I contacted someone on XXXX/XXXX/XXXX at XXXX. They have a collections debt so I asked why would my credit be pulled without permissible purposes. I have not received any letter about any debt and considering I havent applied for credit or owe any new debt my credit shouldnt be pulled. The individual asked me for my name and I refused to give her my address and social because she didnt answer why they pulled my credit. Obviously the debt was fraudulent or invalid. I explained I never gave anyone permission to pull my credit. They cant offer any explanation. I have been working closed with the credit bureaus to keep my credit safe and information only to be violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
When I tried to activate my XXXX XXXX XXXX XXXX MAster Card by calling the activation number ( XXXX ) listed in the acceptance letter, I was directed to a foreign ( XXXX ) organization. They asked for my credit card number to begin the activation procedure. Then rather than activate the card they attempted to sell me a lot of services. I said no to each one. After a few minutes, I recognized it was a scam and hung up. I ended up activating my card by calling the Customer Service number on the back. I informed them of the scam but they did n't seem interested. In the next few days, I received multiple confirmation letters that I had purchased a variety of services ( including credit card protection, travel club etc. ). I called XXXXXXXX XXXX  customer service to complain and was informed that it was aall my fault for giving out my credit card to a number that they had provided. They were of little help and suggested that I cancel the tel-marketing promotions or i would be charged. I then had them cancel my card and issue a new one. They were singularly unhelpful and attempted to obscure their marketing fraud. I expect such behavior from XXXX XXXX but not from a major international bank. This episode has already caused me a great deal of stress and effort and I expect to be compensated for this outrageous 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 monetary relief
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Kohls department store was supposed to send our monthly invoices electronically through email however they made no attempt to send monthly invoices even though we had asked them several times. They then proceeded to charge us {$37.00} per month late fees. We feel that this is a widespread problem with Kohl 's department store and it needs to be addressed as soon as possible. If we were elderly or not knowledgeable regarding this situation others may be at risk. 

XXXX XXXX, XXXX late fees of {$37.00} XXXX XXXX XXXX XXXX late fees of {$37.00} XXXX XXXX, XXXX late fees of {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.

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 2017-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
After several requests XXXX XXXX has never mailed me a receipt of a payment. And said he did not know if he could get my loan info. How can you collect a loan without loan acct information? This company true to collect dirty but has little paper trail or verification to back up their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo dealer services are ripping people off. My interest rate is 4.9 % Wells Fargo charge me a daily interest of {$5.00} per day unless my monthly payment is paid before my monthly payment due date ... ..of course that 's what I was told by representative so I 'm trying to figure out why am I still being charged {$5.00} per day when I make big large payments of {$3700.00} and this company still charge me daily fees of {$5.00}. I should not have to pay daily fees of {$5.00} if I 'm making 5 additional payments in advance of my monthly car payments due dates. Someone needs to seriously look into this because I 'm sure if they 're getting over on the mortgage loans they 're getting over on the car loans as well they already have outstanding lawsuits for ripping people off for over charged fees. And I called them and asked them could I get refinance months ago to get a lower car payment and a Wells Fargo representative told me that they do not refinance to people in Arkansas how is that when they give loans to people in Arkansas if you ask me I think that 's a redlining lawsuit

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 2017-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XXXX XXXX XXXX, I made an offer to purchase my first home. With the offer I wrote an EMD check to put toward the house. On XXXX XXXX, someone attempted to forge a check with my exact signature as the EMD check that I wrote for the house and had the next check number as the previously written check. 
In the first week of XXXX XXXX, I began to receive emails from the title company I was supposed to close with. I questioned this person and called the number that was given at the bottom of the signature to make sure this was in-fact a person that worked there. The company confirmed that she did and I proceeded to communicate with her. She continued to email me about the closing through out the month leading up to the closing date. I was supposed to wire my money XXXX XXXX, but I did not receive a final number yet, but I did receive a wire transfer form from my realtor. The next day, on XXXX XXXX, I received a wire transfer form from the fake person that was pretending to be the title company. I did not know at the time that she was not who she said she was. I looked at the form she sent, and the form my realtor sent the day before, and they were identical, except the account and routing numbers were changed. I questioned this with the realtor 's email address that was CC 'd on the email, which this address was also fake, and that person reassured me that everything was correct. That afternoon I wired the money to the account that I thought belonged to the closing title company. The morning I was supposed to close, XXXX XXXX, the fake person emailed me stating the closing had to be postponed, and she knew what time my closing was. During the closing process, it became known that the money was in-fact not wired to the correct account, and was wired to a fake account. I quickly called the credit union that wired the money to to a wire transfer recall. They were able to recall half of my wired money. I initially wired {$40000.00} to the fake account, which was at Wells Fargo bank ( they did nothing to assist me in getting my money back or freezing the account. I am not even able to find out if they have an investigation into this fraudulent activity ). The credit union was able to retrieve {$20000.00}. That same say, I filed a police report with the city that I reside in, to possible get resolution to this matter. I have also been in contact with an attorney and she believes that this is an inside job at either the sellers or buyers realtor company ( XXXX XXXX XXXX, XXXX XXXX respectively ).

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 2017-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX/XXXX/XXXX, I was on the XXXX website looking to pre-order a new XXXX XXXX XXXX smartphone and I wanted to do the installment plan to pay for the phone. I submitted an application for credit on the XXXX website but the website gave me an error page. I refreshed the webpage which brought me back to the application for credit webpage which I resubmitted again. This time the it submitted properly but I was declined and it stated that a explanation was being sent in the mail. I called both XXXX and TD Bank and I ended up bounced around since nobody could answer any of my questions. Finally, I was told by a TD Bank Rep that I did have an account and provided me with my account number. 

I further asked how I can go about using this new credit line to purchase my phone and TD Bank told me to contact XXXX XXXX. XXXX XXXX told me it was an issue with TD Bank. I have called numerous times since then without any positive result or any further guidance on how to proceed. 

I ended up purchasing the phone at full price and no longer need the credit line. When I contacted TD Bank to let them know this, they said if I wanted to close my account then they would do that but it would show that I requested the close of the account on my credit report. I explained to them that I am closing it because there is no way for me to use this credit line since it is only valid for XXXX products on the XXXX website which neither I, TD Bank nor XXXX could figure out how to apply the credit line to my XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: GA

Complaint narrative:
Issues of unknown inquiries made by 3rd party companies, or credit checks ran without my consent. 
Name : Date : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: Penn Credit Corporation
State: VA

Complaint narrative:
On XXXX/XXXX/XXXX I sent Penn Credit Corporation a letter in which they received XXXX In the letter I was asking them to validate the debt asking for the audit trail and promissory note ... Penn Credit has failed to place my account in dispute and it has been pass 30 days ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: OH

Complaint narrative:
On XXXX XXXX, XXXX, I send a letter to TransUnion in the request for verification of the debt shown as XXXX XXXX {$670.00} # XXXX. To date, I have not received any validation this debt other than, the debt was verified debt pursuant to Section 609 ( a ) ( 1 ) ( A ).

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 2017-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I received a letter from Central Financial Control stating that I owed {$99.00} to XXXX XXXX XXXX from XXXX/XXXX/XXXX. I have already once disputed debt with Central Financial Control which was removed now 3 years later I am receiving correspondence for the first time about another debt owed. This debt is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: KEYCORP
State: OH

Complaint narrative:
The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.

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