vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank in their response to my complaint against ( Case # XXXX ) them stated they have not attempted to collect on the debt in question since XXXX XXXX when it was sold to XXXX. And that a copy of my complaint and Citibank response will be forwarded to XXXX. ( See Attached ) I want to know what part of my complaint against Citibank was sent ; the complaint, or the complaint and fair resolution. I like to know whom it was addressed to and the address it was sent to. 
I want to address the issue of the debt being sold XXXX XXXX and all information made through the date of sale is given to the debt buyer. Why was my complaint against Citibank, and Citibank response forwarded to the debt buyer after the date of sale? 
Citibank fraudulently stated in their response to my complaint that they received a " Cease and Desist request from me in XXXX XXXX, and the account was updated accordingly. '' I never sent or requested a Cease and Desist. My written request made in XXXX XXXX to XXXX XXXX XXXX , XXXX was that all communication to be in writing, there was no mention of cease and desist. 
I want Citibank to produce the Cease and Desist that they refer to in their response to my complaint. ( Case # 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 2017-04-05 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express gift card was used by unknown person in California on XX/XX/2017. We live in NJ and have not been to CA. Two {$1.00} charges to XXXX in XXXX ( card was supposedly swiped-magnetic transaction. Then on same day, online {$270.00} XXXX transaction which put the card at XXXX balance. American Express will not take any action and does not consider this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ULRS, Inc.
State: CA

Complaint narrative:
My husband had a tenant he turned over to collections thru United Legal group. The tenant then filed a lawsuit against both of us because they threatened to harm his credit. I sent an email to put this on hold till it could be resolved. They said it could not be placed on hold had it had to be cancelled. I cancelled it and then they sent us a bill for {$52000.00} and my husband called them and they offered to settle for {$10000.00} or " make an offer ''. He told them he had other accounts to send to collections and once this is resolved, he would give it back to them to handle. Until then he thought they might have done maybe {$100.00} worth of work.They then called me and demanded the whole amount and I told them they had done nothing but send a letter and how do they think that entitles them to {$52000.00}? He said to pay it today or it goes up to {$72000.00} on Monday.I would be brought in and held equally responsible because I was the spouse. I told them if they expect to get paid {$52000.00} they need to collect XXXX times that amount to get their commission and he said the debt is owed. This is totally ridiculous. You send XXXX letter and expect to be paid {$52000.00} and then {$72000.00} from the person who hired you in the first place? I work on a commission basis and if the deal does not come together, you do not get paid. How do they think they deserve to be paid this exorbitant amount? Then we got collection letters from their partner company, XXXX XXXX XXXX, which is also threatening to damage our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
MDS has reported XXXX of my accounts to the Credit Bureaus even after I have made payments. I have been making weekly payments and have even paid XXXX of the XXXX accounts that I have with them. The rep told me that I have 30 days to pay this debt in full. She went to advise me that making payment arrangements does not prevent reporting. I think this is unfair especially when I am attempting to pay this debt.

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 2016-11-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: KS

Complaint narrative:
This collection agency has reported that I own {$89.00} for an policy that I paid in full. I have disputed this with XXXX and have gotten no where. I paid this policy in full and then cancelled it. I had no issues at the time of closing the policy and was not aware of any other charges. I have notified the collection agency of this and they have no verified the debt. The amount of {$89.00} should be removed asap. I am filing this complaint first to see if I get anywhere. If not, I have intentions to refer this to my attorney for a civil lawsuit seeking damages. I do n't care of the cost, this is principle. I expect this to be removed from my XXXX Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Bureau of the Hudson Valley, Inc.
State: MO

Complaint narrative:
Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Ph : ( XXXX ) XXXXDebt : XXXX XXXX - XXXX $ XXXXI had XXXX and paid final bill upon returning equipment on XX/XX/XXXX. I moved to XXXX on XX/XX/XXXX. In XX/XX/XXXX, I found a collection being reported by above collector. In XX/XX/XXXX, I ask for validation and deletion during this validation as I never received a XXXX day notice of collection before submitting it to credit bureaus under FCRA. They apparently sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had been living in XXXX for over a year at this point and my current address as that time and now was on my credit file in XX/XX/XXXX. Collection Bureau of Hudson Valley pulled an XXXX Credit report on XX/XX/XXXX to obtain information such as my address. They failed to send a XXXX day notice of collection activity to me at my current address on file on XXXX XX/XX/XXXX so I could validate the debt and pay it if it was a true debt before it got reported to my credit bureaus. I notified them in writing of validation after finding it on my credit file XX/XX/XXXX asking them to delete the collection action from my credit file and allow me to validate the debt as well as pay it if it was legitimate. They stated they validated the debt but I still never received this validation and they continued to report it to the credit bureaus after acknowledging they sent the XXXX day notice letter to the wrong address. I was never given a chance to validate and/or pay this debt if legitimate without a XXXX day letter, which they did not provide. It is still be reported on my credit bureaus and they refuse to delete until debt can be validated. According to the FCRA, a debt must be reported at last reported payment delinquency since it falls off credit file 7 years from that date, however Collection Bureau is violating my federal rights and the law by not providing me a XXXX day notice of collection activity before reporting it to the credit bureaus and they are violating the law by stating the delinquency is the date they received it in XXXX, not the last reported payment to XXXX in XX/XX/XXXX. I would like to have the item deleted from my credit file and a given a proper XXXX day notice to validate the debt so that I may pay it if the debt is legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I PURCHASE A XXXX ON XX/XX/XXXX. FROM XXXX I WAS TOLD BUY THE SALES AGENT TO SUBMIT THE AUTO APPLICATION WITH MY HUSBAND XXXX. HE LET THE SALESMAN KNOW HIS FL LICENSE WERE SUSPENDED WHICH THE SALESMAN SAID IT DON'T GO AGAINST THE LOAN BEING APPROVED.FINISH ALL PAPER WORK LOAN WAS APPROVED AND JUST RECEIVED TAG FROM 3 MONTHS WAITING AND UNABLE TO CONTACT COMPANY BECAUSE THEY WERE KNOW LONGER AT THE SAME LOCATION.I VISIT MOTOR VEHICLE REGIONAL OFFICE IN XXXX FL ON XX/XX/XXXX THEY FOUND WHO REGISTER THE TAG AND WENT IN THAT DAY PAID XXXX FOR TAG AND FEES. I ASK THE AGENT PEPE WHY WASN'T I GIVEN A DECAL FOR XX/XX/XXXX HE STATED I NEEDED TO GO TO A TAG AGENT TO RENEW. THAT  DAY I VISITED A AGENCY IN XXXX FL WHEN I WAS TOLD SINCE MY HUSBAND LICENSE WASN'T ACTIVE I COULD NOT RENEW UNTIL HE TOOK ACTIONS ON HAVING IT REINSTATED. CONTACT LOBEL FINANCIAL TO ASK WHAT WOULD BE MY STEPS IN REMOVING MY HUSBAND INFORMATION OFF THE LOAN I WAS TOLD BY TWO MANAGERS AND FIVE AGENTS TO FIND ANOTHER COMPANY TO REFINANCE MY LOAN. SO NOW I AM STUCK WITH A VEHICLE THAT I PAY XXXX A MONTH PLUS XXXX INSURANCE. I NOTIFIED THE INSURANCE COMPANY THAT MY HUSBAND LICENSE WAS SUSPENDED AND THEY EXCLUDED HIM OFF THE POLICY. I REALLY NEED HELP ON SOLVING THIS PROBLEM BECAUSE I HAD A DOWN PAYMENT OF XXXX AND HAVE MADE 4 PAYMENTS OF XXXX AND CAN'T LOSE MY MONEY ON A VEHICLE I CAN'T DRIVE. LOBEL FINANCIAL CORP. XXXX.
XXXX 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 2016-11-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
At an old job, I was signed up for an HSA account with HSA Bank out of XXXX, WI. After leaving that job, I spend the HSA down and then attempted to close the account in XX/XX/2016. I contacted them and exchanged closing documents in XX/XX/2016. In XX/XX/2016, they charged me a fee for no remaining balance. I contacted them and told them I 'd closed the account. They apologized and said it had n't been closed due to a fake oversight, and said they would close it. XX/XX/2016, I get another statement. I call them and they claim they will " expedite '' the closure. 

At this point, it feels like HSA Bank is refusing to close my account even though I have sent in all the paperwork so that they can continue to assess fees forever and it is impacting my credit. They are not a legitimate enterprise with these practices, and neither you nor your company should bank with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weinberg Mediation Group LLC
State: ME

Complaint narrative:
I have been contacted repeatedly by a collections agency trying to reach my ex-husband. I have told these people, politely and truthfully, that I am no longer married to my ex-husband and have not been for over twenty years, that he does not and never has resided at my current address, that he has never had my current phone number, and that I do not know his current address. I have asked them to stop calling. I keep getting calls, each time with a different XXXX or XXXX return number. I would like for them to stop. In the last call, the collector identified the XXXX. The numbers they have used are XXXX,XXXX, and XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: VT

Complaint narrative:
AES ( American Education Services ) with it Guaruanteeor PHEAA, has twice now incorrectly calculated my IBR ( Income Based Repayment plan ). I have notified them both times, and they have refused to correct the issue, leading to me being reported to the credit bureaus. 

I need this issue solved. They are causing my family and I a great amount of XXXX. We were going to try and buy a replacement car with credit, but were denied due to their reporting me to the credit authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER PERSONAL LOANS IS ADVERTISING AN INTEREST RATE AS LOW AS 6.99 %. I HAVE A CREDIT SCORE OF XXXX WITH GREAT INCOME AND LOW RATIOS. THE BEST RATE THEY COULD OFFER ME WAS 8.99 % WITH AUTOMATIC DRAFTS. IT IS MY BELIEF THAT NO ONE QUALIFIES FOR THE 6.99 % AND THAT THIS IS FALSE ADVERTISING. THE CSR ASK ME WHAT MY CURRENT RATES ARE ON MY CREDIT CARDS THAT I WANTED TO CONSOLIDATED. THIS SEEMS LIKE A WEIRD QUESTION UNLESS YOU ARE TRYING TO JUST BEAT THOSE RATES. I 'VE BEEN IN THE XXXX FOR 21 YEARS SO I KNOW AN A+ BORROWER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
My husband recently received an end of lease inspection from U.S. Bank for a XXXX XXXX. This was our XXXX vehicle lease but XXXX through U.S. Bank so we have XXXX times prior gone through a lease inspection with no charges imposed for ordinary wear and tear. I am an XXXX. In my opinion, the lease inspection was a joke and this particular institution is improperly using the inspection process as a profit center. Damage that was clearly ordinary wear and tear ( minute scratches on bumpers ) was categorized as excessive. A small dent on a passenger door valued at {$1500.00}. Most ridiculous, a {$200.00} charge for a missing car manual which was actually present ( in the glove compartment ). Apparently blind to the obvious, the inspector never even asked if my husband had the manual. A U.S. Bank customer service representative said we would be charged for the manual, even if returned with the vehicle, unless we took the additional step of ensuring the dealer wrote the bank a letter confirming that the manual was present. This is a ridiculous shifting of the burden of proving damage. 
A quick internet search indicates that there are many complaints that U.S. Bank is " inventing '' damage and collecting excessive fees for ordinary wear and tear. A complaint letter I drafted to XXXX XXXX, General Counsel at U.S. Bank, went unanswered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GREAT WESTERN BANCORP, INC.
State: SD

Complaint narrative:
I abandoned my mold ( XXXX, XXXX, XXXX as tested by an independent XXXX company ) house in XX/XX/XXXX. The house was sold XX/XX/XXXX. The foreclosure was final XX/XX/XXXX. The mortgage company, XXXX, is reporting that I am over 180 days late from XX/XX/XXXX to XX/XX/XXXX and had a foreclosure in XX/XX/XXXX. I have filed XXXX complaints with XXXX over the last 3 years with the last in XX/XX/XXXX. I have contacted XXXX directly. They have stated their information is correct and continue reaffirming that incorrect info to the credit agencies every time I file a dispute with the credit agencies. I have contacted XXXX directly and they will not provide me any documents showing their dates are correct. According to the court documents I have, their information is inaccurate, not factual and should be removed from my credit reports.

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 2015-08-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XXXX XXXX # XXXXAdvance Financial XXXX XXXX XXXX TN XXXXI have been a customer of Advance Financial XXXX for close to a year. I went into the office on XXXX XXXX 2015 to Pay may pay day advance and to rewrite the pay day advance in the amount of {$550.00}. I was told by the customer service representative that the company no longer does pay day advances and that if I needed the money I would have to take out a Flex Loan Plan. I was told that this would be like any other loan that XXXX % would go to interest on the loan and the remainder of my bi-weekly payment of {$67.00} would got toward the principal of the loan and that if I paid more than the {$67.00} it would go toward the principal as well to pay the loan off sooner. I asked if there were any other fees and I was told no. So I electronically signed the contract. I did n't read the fine print because no matter what I had to take this loan out my rent was due and if I did n't pay I would be evicted. If I did n't take this loan out I would have no money to pay my rent or buy gas to get back and forth to work or buy groceries!!! I feel like I was strong armed into taking out this loan because Advance Financial XXXX are predatory lenders who make their money from poor people in dire situations, the elderly and the uneducated. I received my billing statement for XX/XX/2015 to XX/XX/2015 and after paying over the {$67.00} bi-weekly payment for the past 3 months what started out as a {$550.00} loan now has a balance of {$620.00}. I am being charged a Customary Fee of {$50.00} with .7 % interest that I was n't told about and after calling customer service to find out why I was told that this accrues daily on top of the regular interest rate and the APR of 279.5 %!!! This loan is growing not getting paid off, at this rate I will never get this loan paid off!!! This company is not accredited with the XXXX and has had XXXX complaints over the past 3 years most similar to mine. I feel deceived at the least, these companies have to be stopped. I have no problem paying what I borrowed, and according to this billing statement I have paid YTD {$340.00}, {$310.00} to the customary fee and {$29.00} to the interest and NONE to the principal. I will pay the remaining {$200.00} but I will not continue to pay for the customary fee. I will not pay anything until this matter has been resolved. 

I will be sending a copy of this statement to the XXXX Consumer Financial Protection Bureau, Department of Consumer Affairs, Federal Trade Commission, XXXX XXXX XXXX XXXX, U.S. Department of Justice, FDIC and any and all other organizations or departments I need to, to get this matter resolved. 

Thank You, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief