vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
RACIAL DISCRIMINATION AND RUDE CUSTOMER SERVICE : On XX/XX/18 I called Citibank to tell them my wife ( XXXX ) will go to a Bank to get cash advances on our cards. I was told them amounts which were available. My wife went to XXXX  XXXX XXXX and processed a cash advance with our Simplicity card without any probing questions. She also attempted to use the Double Cash ( D/S ) card she was told the system would not accept the D/S for cash advances. I found a nearby Citibank Branch at XXXX XXXX XXXX and told me wife to go there and use the D/S card. My wife approached the window with Citibank Teller XXXX XXXX to process her transaction. During the transaction a male interrupted them to have his transaction process. XXXX stopped handling my wife and processed the transaction with the male. My wife was surprised by the rudeness on both their parts and stepped by to let them complete the transaction. After the the transaction was completed my wife approached XXXX again to request a cash advance. To her dismay, XXXX started asking probing questions about her occupation which was not necessary for a cash advance according to Citibank Credit Card XXXX XXXX, employee number XXXX ( who refused to take my complaint because it was in regards to a branch ). I told my wife not to answer those probing questions and to request a Supervisor. The Citibank Supervisor XXXX XXXX told my wife she had to answer all those questions because she does not have a Citibank checking or savings account. Citibank Teller XXXX XXXX refused to process the cash advance unless my wife answered all of her probing question which are not required for cash advances. I told my wife to leave the bank and I would file this Federal 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 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Account was opened with XXXX about XX/XX/XXXX or XX/XX/XXXX & remained open until XX/XX/XXXX with payments being made until that year. I did have an account with that firm but I paid the balance in full. I was unaware of the account until I attempted to finance a car in XX/XX/XXXX & was declined due to the account showing as in collection. I had never been contacted by XXXX or the collection agency ( XXXX XXXX of XXXX XXXX ) until I contacted them in XX/XX/XXXX. Midland was not helpful in providing any details of the debt i.e.what was bought, who paid and/or from what account, addresses etc. I had no way to determine if the debt was mine. Asking for documentation showing signatures, statements or forms of payments that could be used to verify the account as mine I filed disputes with the credit bureaus in XX/XX/XXXX. I got nothing other than they were in compliance with all collection guidelines. 
I tried calling Midland- again, no help-no documents. 
In XX/XX/XXXX I called the fraud department at XXXX. Gave them all the info I had about the account & asked for documentation that would prove the account was mine. I learned the account was opened over the phone-no signatures. Again, while they had more information than Midland there was nothing that really showed me as the active person on the account. I wanted statements, payment sources showing my bank accounts. They were not able to prove to me it was my account. 
They wanted 30 days to investigate & make a decision. On XX/XX/XXXX I had not heard from them so I called the XXXX fraud dept. They told me their records showed it was my account. When I asked what records I got answers like, " I can't access that screen '' or I don't have that. When I asked for specifics like what accounts did the payments come from they did't know. 

I can't go back to XX/XX/XXXX or XX/XX/XXXX to check records. My stance is that I will pay the balance if someone can PROVE to me I owe the balance. To date no one has.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: National Enterprise Systems, Inc.
State: SC

Complaint narrative:
On XX/XX/2018, National Enterprise Systems ( Ms. XXXX XXXX ext XXXX ) called my employer without my permission attempting to collect a debt. I never have spoken with them to give them acesss to call my employer. They are causing me distress at work. They have threatened me while at work. They continue to harasses me.

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 2018-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing a credit report he found a fraudulent inquiry from Nationstar bank being reported to his XXXX and XXXX credit reports. This inquiry was made XX/XX/2018 and was done without his consent. In addition, his current home mortgage with Nationstar was accessed by the fraudster who then started the process of a home equity line of credit while on the phone with an agent from Nationstar ( Mr. XXXX XXXX ). Mr. XXXX never made direct contact with Mr. XXXX to verify if this activity was authorized even though my client has a 7 year fraud alert on his credit report. My client was made aware of this activity only after the finalized documents arrived at his home for him to sign and return.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Ive recently disputed fraudulent/erroneous accounts on my my credit reports with XXXX, Equifax, and know XXXXThe accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 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: MD

Complaint narrative:
Ive recently disputed fraudulent/erroneous accounts on my my credit reports with XXXX, XXXX, and know Experian.The accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX XXXX as well as XXXX  XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC 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 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, my husband and I separated.it was a struggle to pay bills and my mortgage fell behind. I tried to remodifying with the loan service company at the time, XXXX. I was offered a higher payment than when I lived with my husband. I was told that until my divorce was finalized and my ex off deed, they would assume he was still in the house.in XX/XX/XXXX my divorce was final and my ex-husband was off the deed. I also took in a boarder and was working full time.i applied for a remodification with current loan serving company, Shell point.they denied me the remodification and urged me to sell the home. I briefly put the house on the market but changed my mind  because I still have XXXX children living with me.one is XXXX   XXXX and will XXXX XXXX XXXX in XX/XX/XXXX.i tried remodifying again and my point of contact was XXXX XXXX.i worked with him from XX/XX/XXXX until XX/XX/XXXXhe constantly asking me for the same paperwork over and over again.he said that my court order child support letter and my state pension letter.were not good enough.finally he told me that we were at the finishing line.i just had to send him one more thing and they would review my application.thr next thing I knew.my account was transferred to XXXX XXXX and he was requesting all the same documents all over again.i put the house on the market and asked to do a settlement offer but that was denied as well.I am at the end of my rope.i want to remain in my home until my daughter graduates. I am also XXXX now due to XXXX XXXX.we really have nowhere to go at this point. I need she'll point to remodifying me at an amount I can afford to pay for the next year.They never really gave me the chance, just played gave with me.This company needs to be investigated and I need help.. please advise.XXXX XXXX XXXX XXXX, XXXX, ny XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a call from a Pennsylvania number XXXX looking for my husband in regards to a Civil Matter as the woman stated. I let the woman know that I was his wife and asked what a Civil Matter was and she responded with " He can be taken to court for it ''. I asked her if this had anything to do with his Bankruptcy that he filed back in XXXX and she said no and that she could not tell me what it was in regards to, just that it was a civil matter. I then text my husband with the woman 's number frantically asking that he call this woman back. My husband then told me that the woman was calling about a Citibank Credit Card from XXXX and that the balance was {$5900.00}. My husband attempted to let her know that he had filed a Chapter XXXX Bankruptcy in XXXX and that it was discharged in XXXX and the woman proceeded to tell him that she was going to send the paperwork to our local jurisdiction, take him to court, garnish his wages and report this to his credit report. She told him that his bankruptcy did not matter. My husband then called me very upset and I let him know to call her back and let her know that even if we did not know about this debt back when the bankruptcy was filed, that because his bankruptcy was discharged, this debt would have been automatically included as it was incurred BEFORE the bankruptcy was filed. My husband called the woman back who stated that she did not know who we were getting our information from and again stated that she was going to take us to court and garnish his wages and that this was an OPEN loan already on his credit and is not part of the bankruptcy and then told my husband to have a nice day and HUNG UP.

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 2018-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
On XX/XX/2018 my XXXX XXXX XXXX was totaled. 
My XXXX XXXX policy paid a claim of {$7000.00}. ( claim # XXXX ) Claim manager XXXX XXXX XXXX..ext. XXXX I called Santander today and my " estimated '' pay off is XXXX.. 
What does " estimated '' mean..I owe no late fees, XXXX XXXX  claimed title so I owe no title fees. 
My phone was monitored for quality assurance..so if you have any questions about that..you have a recording. 
On XX/XX/2018 you will receive a payment for {$800.00} paid through my bank. 
I think it is highly possible you owe me $ . 
I expect to receive a statement stating I owe you {$0.00} yes that is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Someone has stolen my identity sometime between XXXX -- XXXX they have trying to open several accounts one that we know for sure was Home Depot through Citibank and there are some others but I am not sure what companies that they are from. 
The people who put this in motion and gotten my information all of my stuff and once they had the account open used it and ran up the bill when they called to request payment from debt collections I had no idea what they were talking about I didn't think I should pay for something that I did not authorize and then they started threatening me with garnishments and arrest all kinds of things and then XXXX and send a summons that I have to go to court but they're going to voicemail thing and I'm really not understanding how all this can happen? 
I would really like someone to help me understand how people do this and how it's almost invisible until it's too late and then when you try to stop it you can't?

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 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion and XXXX have three issues each.XXXX, XXXX, and XXXX XXXX ... report should read 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 2018-08-15 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: American First Finance, Inc.
State: TX

Complaint narrative:
I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. XXXX XXXX - Date - XX/XX/XXXX. 
XXXX XXXX XXXX - Date - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc.
State: PA

Complaint narrative:
I went to the hospital on XX/XX/18 to be seen. After a few weeks I received a bill from the hospital for around {$1000.00} dollars and I immediately paid it off in full. XX/XX/XXXX I got a letter from ProCo which is a collections agency saying I still owe {$2100.00} for unpaid bills to the hospital. I have never once received anything in the mail from the hospital after paying {$1000.00} so I assumed that everything was all done. There is no way that I could have known that there were more bills to be paid. It is completely unfair that my credit score will now be ruined because I never received any other bills from the hospital, they assumed I did not want to pay it, and it was sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft someone has there photo on my drivers license info and has open several accounts under my name that are not mine Ive provided police reports social security cards signatures and a police report that states the dmv has a drivers license with my information and someone else picture equifax refuses to remove front report these fraud accounts XXXX  and XXXX  have removed these accounts equifax keeps trying to get me to purchase a credit monitor program from them I refuse so I believe this is why they will not delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I wrote 2 letters, one on XX/XX/18 and another on XX/XX/18, asking for the company to send me the some proof such as a contract with signature for the debt that they state is mine. I have received NOTHING as of yet. I have also asked them to send me their license and bond information to ensure that they are licensed to collect in the state of Texas. I have not received that either. It's been almost 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Coastline Financial Resources, LLC
State: GA

Complaint narrative:
The following Company " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' has contacted my employer stating that they are going to serve me legal papers for a past debit from XXXX-XXXX. The are acting on behalf of XXXX XXXX XXXX ( XXXX ). 

When I XXXX the phone number XXXX and XXXX it reflects as scam. And we I XXXX XXXX XXXX XXXX   ( XXXX  ) its reported as scam as well. 

I dont know where to pay them or not as they are threatening my employer, never contacted me directly or sent any information by mail. 

I received only a settlement letter from them via email. 

Company Information : " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH XXXX PH XXXX PH XXXX Settlement Sent on XX/XX/XXXX Amount : {$800.00}

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 2018-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Using XXXX, I leased out my condo in XXXX, OR, for the summer ( 56 nights from XX/XX/XXXX to XX/XX/XXXX ) to a XXXX XXXX of XXXX Arizona He made his payment on XXXX-18 using his American Express card. 

" Guest Paid : XX/XX/18 - XXXX XXXX - American Express Your rental agreement was accepted on XX/XX/18 at XXXX XXXX  by XXXX XXXX from IP address : XXXX '' I met him on XX/XX/XXXX, looked at his ID. Gave him the keys. 

I received. {$5400.00} He left XX/XX/XXXX. And one week later, as per our agreement, I returned his deposit. 

On XX/XX/XXXX he told American Express that he did not make the charge. 

The payment was reversed, and taken from my checking account. 

I believe this is fraud, or maybe theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I had repeatedly asked the company to send me proof that I owed the debt and they refused to send a letter stating they sent to to an old address. They also cursed me out, called me names and said I would be arrested if I didnt pay them. I asked for a certified mail to prove I owed the debt. The collectors sounded like scam artists and asked for my social security number, mothers maiden name, birth place and bank account information. They could not provide me full information of the debt and they refused multiple times to verify the debt with me and send me a letter so I could pay the debt with a money order and not my personal bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Received an email stating my XXXX XXXX gift card was ready to cancel click here. This link led my to a paypal site that had me enter in my social secutiy number, D.O.B., birthdate, address phone number, credit card number-expiration date. Once I enterd this then asked for my mothers maiden name as a security question. Then requested a photocopy of my license which I did not send, by then I realized I had been phished and immediately exited the scam site. No fraudulent activities have occurred yet but someone has my information and I fear they will open credit cards or obtain my social # and identity for malicious purposes and their own financial gain/benefit. This report is to help aid in clearing my name in the event of future neglect in any of the fields listed above. This is the email origination -- -- -- -- -- -- 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