vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XXXX/XXXX/XXXX I got a letter in the mail from Citibank stating that my account ending in XXXX has insufficient funds and was overdrawn. 
I checked all my accounts with Citibank and did n't find any account ending in XXXX. I called the customer service at XXXX XXXX/XXXX/XXXX to find out what happened and I was told I had an account which was opened on XXXX/XXXX/XXXX and it was overdrawn by XXXX for monthly fee and overdraft fees. I told them I never opened an account on that date and I requested to get a copy of my signature card and the branch the account was opened. 
They agent refused to tell me this information and was extremely rude on the phone, she said her name was XXXX and she was the supervisor. I asked her to open a case, escalate this issue and give me a case number but she vehemently refused to do that and asked me to go to the nearest branch. 
This is absurd that Citibank would open an account without the client 's knowledge, access fees on the account which overdrew the account! If I had not gotten this letter, I would not have known I 'd an account that was overdrawn. They would have continued charging a monthly fee on the account which would overdraw it by a lot of $ and then send it to collections and ruin my credit I worked so hard to build. I am livid to state the least.

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 2017-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XXXX XXXX, 2017 they almost XXXX dollars out of my account I had contacted the company they me I had borrow XXXX which I never borrow that amount I only borrow XXXX in XX/XX/XXXX which I had paid that amount back they I was paying the interest fees this was not in my contract they keep taking money out of my account which I do not, they wo n't put the money back in my account this company is nothing but a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: NJ

Complaint narrative:
on XXXX XXXX XXXX XXXX put a late on my credit report. I had told them I never used the card so why i have a late. they agreed to move late fee and late remark. i asking for it to be removed now please its ruining my credit

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 2017-10-22 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: NJ

Complaint narrative:
on XXXX XXXX XXXX XXXX put a late on my credit report. I had told them I never used the card so why i have a late. they agreed to move late fee and late remark. i asking for it to be removed now please its ruining my credit

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 2017-10-22 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: DC

Complaint narrative:
A charge of {$130.00} was made on my XXXX XXXX credit card which I did n't recognized.. I called on XX/XX/XXXX to file a dispute, which they did, they put a comment about my account being in dispute on my credit report which knocked off 7 point from my credit score and I got an email confirmation. On XX/XX/XXXX, I called to find out the status of the dispute, reminding them of Reg E compliance which they have 60days to resolve a dispute, though no provisional credit was issued to me. They said they were still working on it. 
On XX/XX/XXXX, my billing cycle closes and I see {$130.00} statement balance on my account and {$27.00} minutes minimum payment due on XX/XX/XXXX. I called XXXX to remind them that I am not required to make any payment on a disputed amount and if they 'd concluded their investigation, I was supposed to receive a letter explaining how and why the charge was a valid transaction. They agent said the last note stated that my account was handled by fraud department and he 'd have to transfer my call. He got fraud and they claimed I 'd have to report my card lost/stolen so they 'd close the account and receive a new card. I was flabbergasted by his remarks and I told him I would do no such thing, that was lying. My card is n't lost/stolen and why no one told me from the get go that it would have to be handled by fraud department. An agent filed a dispute case when I called on XX/XX/XXXX and added a comment to my credit report and they were just now telling me it had to be handled by fraud department. I insisted that I would not lie about my card being lost/stolen and I wanted that statement balance removed because I was n't obliged to make payments on a disputed transaction, he got very angry and was extremely rude. He put me on mute/hold and then hung up on me. 
XX/XX/XXXX will be 60days from the day the dispute was initiated and XXXX is trying to cover up, knowing fully well that this would be a Reg E violation.

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 2017-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UMB FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Someone got a hold of my debit card number and charged a few items to my debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
First of all, let me mention that this debt is not XXXX that I owe. 

This is XXXX XXXX out of I 'm sure many ) collection agencies that use false numbers to call people. They will also call your family members using fake numbers. There were some days in which I received up to XXXX fake phone numbers. 

After this company put a mark on my credit report ( though I had no idea I even owed any debts -- because I do n't ), I was telling them " I do not answer numbers I do n't know, because I 've been getting a ton of XXXX calls from numbers that look a lot like mine. '' She was very silent on the phone for a while and then says " yes, we understand. They sometimes call pretending to be our number, too. '' I found that odd, because these calls never pretended to be a toll free number. XXXX of them were foolish enough to forget to hang-up and the background noise sounded similar to that of the background noise of the debt collector. 

Anyway, so I deal with this debt collector and would n't you know it -- the spam calls stop. They stop coming to me and my family members.I do n't think this is a coincidence in the least.

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 2017-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
In early XXXX 2017 I borrowed XXXX dollars from an on line tribal lender " big picture loans '' unable to view the " truth in lending '' disclosure until after the loan had been processed and funds delivered to my account, I was unaware of the 697.0714 % interest rate! Payoff amount {$3200.00}! I have contacted The Florida Office Of Finiancal Regulation and XXXX, I was told Big picture loans is not licensed in Florida. I am now aware that this loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of XXXX dollars. I have paid off the XXXX dollar principal and plus. After educating myself I am submitting this complaint to stop being harassed by big picture loans with endless emails

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LICTY, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I was contacted by a representative from XXXX XXXX XXXX  named XXXX ( I was informed by a woman named XXXX that XXXX later quit in XX/XX/XXXX).  XXXX informed me that his company will serve as the middle man for paying back my student loans and complete the paperwork needed for entering me into the student loan forgiveness program. I was n't getting any feedback from the XXXX XXXX XXXX so I was believing this company. In XX/XX/XXXX I began the application process which required me to give my SSN, checking account number, and loans amount. XXXX told me that I would have to pay XXXX in XX/XX/XXXX and took my check account number, and told me that the paperwork I was signing was to enter me  into the forgiveness program. Later, I received an email stating that I financed XXXX dollars. I called XXXX ( the individual who took over my case after XXXX quit ) an he stated that he would attempt to cancel my file. I have tried to reach out to the company again and no one is answering the phones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I have on numerous occasions contacted this company to work out a resolution on a charged off account that was dismissed in a Chapter XXXX bankruptcy, this personal loan was refinanced on four occasions and a set of interest was added, bringing the overall amount due to be unrealistic, I had talk to the manager in XXXX, Mississippi, and was plainly told that he had already signed a garnishment against me and under the federal Jones act, for maritime seamen, this is invalid, I was directed to the branch manager and I did try to reaffirm the loan in return for them to remove the negative remarks and report it as such, I have to try to make this account right, and I am seeking a resolution for them to remove the excess interest, and to reaffirm the debt out of the chapter XXXX, and I will pay this account if they will stop at the threats, and I asked for my credit report to be corrected with a letter stating such, upon both parties agreeing on the reaffirmed account, I am not only protected from their threats of garnishment by the Jones Act, Federal law ( 46 USCA 11108 )  exempts seamens wages from garnishment, and in the process thereof, immunizes the employer from any liability for refusing to honor any such garnishment. This account is also past the Mississippi statue of limitations of 3 years for court filings, but yet I am awaiting a written response from this company as to a fair resolution and a correction to my credit report immediately, this account is scheduled for deletion in 11 months but I am willing to do the right thing if this company will also do the right thing. This matter was brought about for a situation beyond my control with two major events, divorce and XXXX XXXX, and I think we can reach a fair resolution if this company so desires.

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 2017-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: MD

Complaint narrative:
We have repeatedly received robocalls from our home from an outfit called Hunter Warfield, a debt collection company out of XXXX Florida. The calls, left on our home telephone answering machine, state that they are seeking a debt from someone named XXXX XXXX, and if we are not XXXX XXXX to hang up. If we do n't hang up ( and because the message is left on voice mail, we can not ), we are treated to more information about how we must contact this company to pay a debt. We are not XXXX XXXX, and we have not ever heard of XXXX XXXX. These calls are made to our home repeatedly, dozens of time. On Sunday mornings, at dinner time, anytime. They never stop This type of activity can not be legal. It is harassment. 

The company is Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

The XXXX of the company is XXXX XXXX, and the XXXX XXXX XXXX is XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Items do not belong to me. My Identity was stolen.

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 2017-10-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX/XXXX/XXXX when checking my credit report, I noticed an old derogatory account from XXXX ( XXXX XXXX XXXX XXXX XXXX ) that was reporting on my credit file. This particular account was opened and first appeared in XXXX, which means it should have been removed by law after a period of 7 years, or XXXX. Noticing this, I immediately alerted Equifax of this issue by filing a dispute ( Confirmation # : XXXX ), where I explained this in-depth. Equifax does not give an option on their online platform to specifically state that the debt being reported is older than the legal requirement put in place by federal law, so I instead chose the option " I am no longer responsible for this debt '' and then explained in detail that the debt was older than 7 years old, and at this point in time fully paid off, so it needs to be removed. Equifax negligently ignored what I wrote, and instead sent back a response after 30 days that stated that they contacted XXXX and confirmed that the debt belonged to me. As I mentioned in my initial response to equifax, that is not what I am disputing, what I am disputing is the fact that equifax is still reporting this debt, despite the fact that it has been over 7 years and is fully paid off. I at this point am demanding that Equifax remove this debt immediately, or I will be forced to go to court to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Items do not belong to me. My Identity was stolen.

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 2017-10-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Items do not belong to me. My Identity was stolen.

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 2017-10-22 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sun loan companyXX/XX/XXXX {$570.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/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 2017-10-22 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: TX

Complaint narrative:
My identity was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On numerous occasions XXXX XXXX/ XXXX XXXX XXXX XXXX called my fathers cell phone number after I asked them not to as this isnt his debt. The collections people were rude and didnt listen to my request. They then started calling my sister and aunt harassing them about the debt. I didnt have any of these numbers on file, in fact my number was on the system. The collector I talked to that day, told me they were going to sue me and take all my assets. I had lost a job previously and was still trying to catch up. They were not willing to work with me on a payment plan that I could afford. I was about to give them my grocery shopping money and have my family go hungry, just so they could stop harassing my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
My identity was stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/2011 {$570.00} Western shamrock XX/2011 {$170.00} XXXX XXXX XX/2011

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My identity was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I was sent to collection by XXXX XXXX for a debt the was supposed to be sent to XXXX XXXX. XXXX never forwarded the bill to XXXX XXXX, but instead put me in the hands of XXXX collection and now Overto Russell & Doer. This account is XXXX years old. I have documentation from XXXX 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 2017-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Abrahamsen Ratchford, P.C
State: PA

Complaint narrative:
Received calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. I never received any written notification. They did not provide any validation or verifying information. I do not have any debts in collections. 

It 's harassment and a violation of the FDCP to call someone who does n't have a debt in collection. Moreover, it 's harassment and a violation of FDCP to not provide written notification or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I consolidated my direct loans. All other smart option loans are on auto pay, XXXX of them. The only payment I make manually via my bank is the consolidated loan. When I contacted them, they gave me an address to make the XXXX to which is XXXX XXXX different than the other XXXX, its even in a different state. However when they received and applied my payment they applied it to all XXXX smart option loans that are and have been on auto pay for years, and have a different payment address than the consolidated loan. This is not the first time this has happened.

Company response to consumer: Closed with non-monetary relief