vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I XXXX XXXX  would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX  bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately.

2 ) That all correspondence be by direct mail to my home or by email to XXXXXXXXXXXX.XXXX.

3 ) That a reasonable offer in compromise or lump sum settlement be offered.

Thank you for your consideration in this matter.

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 2019-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have issues with inaccurate reporting before. XXXX is continuing to report the account as delinquent. I have filed a previous report with CFPB due to inaccurate reporting and problems paying the debt. This account is not delinquent, and it has been managed through a debt consolidation program since XX/XX/2017. The account is being paid in full, and it was not delinquent during the onset of the implementation of the debt management. 

Inaccurate reporting on the behalf of XXXX is continuing to further damage my credit score and cause undue stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of J.A. Cambece
State: MA

Complaint narrative:
I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 
2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

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 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of J.A. Cambece
State: MA

Complaint narrative:
I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 
2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: MN

Complaint narrative:
I went to my bank to open a credit card so I could start my credit score because previously Ive never had one. I was told I had a XXXX Card with my SS number on it and it says that I have terrible credit because of that card. Ive never had a target card or any card. I called XXXX and they said my mother had put me under her name without my permission. My parents then didnt make payments to the card and now I am stuck with bad credit when I wasnt even aware. She open the card in XX/XX/XXXX and then took me off this XX/XX/XXXX. I was unaware of being put on or taken off of the account and I have bad credit because of other peoples actions and without my consent. I want that card action to be removed from my credit score. I did not contest to have that card nor the consequences that came because of it.

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 non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I contacted Chase to reject their proposed arbitration terms. Chase refused to accept my rejection. I followed up several times, but Chase continued to refuse to accept my rejection. On XX/XX/2019, I asked Chase to justify its refusal. Although I was informed I would receive a response in 24 to 48 hours after my XX/XX/XXXX inquiry, I never did. I inquired again on XX/XX/2019, and Chase 's responded as follows : " We apologize for the delay in our response concerning your arbitration agreement inquiries. [ NAME ], upon checking, we are still reviewing your inquiry. We'll get back to you as soon as we have the resolution. We sent a follow up to the appropriate team. They will respond to you directly as soon as possible. '' That was almost two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX  bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 
2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

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 non-monetary relief
Consumer complaint received 2019-07-16 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: CITIBANK, N.A.
State: NV

Complaint narrative:
citi bank has been paid in a settlement and citibank has notupdated there data base as paid in full? the acct number is 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 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OH

Complaint narrative:
I recently got my annual credit report and I noticed a collection for Afni inc I disputed and it came back as verified but I never got any documentation to prove this debt belongs to me. I also never recieved a letter within 15 days to remind me of my right under the fair credit reporting act to dispute. I also contacted the orginal creditor to get documentation that the credit agency coudnt give me. The orginal creditor dosent have a signed contract with my name on it so how can this debt collection company verify this debt is mine. I will not pay this debt because the orginal creditor dosent even have a contract and I refuse to pay something I dont owe. Even though there isnt a orginal contract bearing my signature Afni inc is still reporting this account on my credit report which is a violation of the fair debt collection act. If I am not provided the orginal contract bearing my signature proving I owe this debt and I'm not provided license to collect in my state of Ohio I will not pay this debt and i will persue litigation for XXXX $ for violation of the debt collection act because this account still remains on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NV

Complaint narrative:
My issue is with Charles Schwab bank back in XXXX ( 3 months now ) I opened a checking account with Charles Schwab bank and it was fine I funded it used it a little bit made a few deposits without a problem so then I deposit some my work checks totaling almost {$8000.00} {$7900.00} roughly and still no issues the firs {$800.00} is made available to me then all of a sudden the account is locked without anything changing or without warning whatsoever and when I called about it they told me they had to run my credit in order to verify my identity because I locked my credit profile ( which I always keep it locked unless Im applying for credit which I was not in this case ) so I unlock it like they requested and its still not good enough for them they dont release the hold on my account ok so they tell me I can fax over some documents ( my drivers license and my social security card ) which I do still not good enough now they tell me I have to go to the branch which I explained is not possible with my work schedule and their hours of operation which is the whole reason I opened this account an online only account and after multiple phone calls and conversations with different representatives Ive gotten nowhere and I cant understand this for the life of me Ive done everything asked of me and theyre still to this day holding my money almost {$8000.00} dollars and refused to even close the account and give me a check for the money in my account which Ive requested and they wont do it or release my money in any kind of way which I feel like is ridiculous Ive tried everything I can think of and gotten nowhere so basically I just want my money back theyre holding it hostage and I dont understand why or how this is even legal to do to someone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
I spoke to XXXX about a billing issue post termination of my account and was waiting on information I was told would be sent to my email. 

I do not want to spend another XXXX minutes on the phone when the issue has already been identified. I have all conformation and interaction reference numbers from the call. 

Amount owed {$120.00} XX/XX/2019 at XXXX XXXX, call duration 1 hour 13 minutes. 
Call Notes : XXXX were to send my original contract outlining events upon termination and terms of service. I was told that I can not access this information because I changed my service provider and my account login was removed. My wife terminated her contract with XXXX within minutes of me terminating service, she was charged 30 % of her normal bill which was prorated for the termination date. My bill was not prorated and was for the full month. There should not have been a difference in how the two accounts were handled which is why I wanted a copy of my contract before blindly paying the full amount while they explicitly and intentionally withheld my agreement. 

They have now sent me to a collections agency as of XX/XX/2019 I have XXXX FICO and do not want any impact on my credit, particularly when XXXX intentionally withheld information. I have clearly identified the issue and will be happy to pay once I have the documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi card closed my credit card account with NO advance notice or NO communication sent ( via a call/email/letter ) that my card has been dormant for more than 24 months ( i.e. I did not use this card for any transaction ). This abrupt closure has affected my overall credit limit, overall credit history and my credit score which shows a drop now because of this unethical business procedure. Peers of Citi card such as XXXX, XXXX, XXXX, etc. at least provide advance notice in such regards and are customer-centric to let the customer decided on the next best action on a particular card. All Citi card cares about is that bottom line they make money off of their customers. Their business practices do not allow the customer to be notified or seek their approval for such things. This business practice was confirmed by a supervisor in their Credit Card business called XXXX whose Rep ID is XXXX ( Citi card does not give an advance notice nor do they allow customers to transfer existing credit card limit to an existing card prior to closing it without advance notice )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
On XX/XX/18 I found a car online I wanted to buy. I did the credit application online and was approved for the 2015 XX/XX/XXXX XXXX for {$19000.00} So I drove 2 hours to XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXin XXXX, NY. XXXX asked me to refill out the loan paperwork. He said I was not approved. XXXX said he would try other loan companies. Hour later said he couldnt get me a loan for the car I wanted but said if I got a cheaper car I could get approved. He had a XXXX XXXX with XXXX for {$14000.00}. With {$3100.00} down payment He said just get this car for now and trade it in in 6 months. 3 hours later I said okay. We get to the finance managers office and i sign paperwork for the amount and then he says I have to do the finance online. He sits in front of the computer and is scrolling and explaining. He says I have to get the {$3000.00} extended warranty or I cant get the loan. I said okay. Finally He says okay done Ill get the paperwork copies and bring them out to you. XXXX puts them in the glove box. 5 months later Im ready to trade the car in and I look at the paperwork it says I owe {$10000.00} more than the sale price. It said I bought the car for over {$21000.00}. Ive called for months trying to get them to fix it but they wont. The car wasnt worth {$21000.00} when I bought it. They committed fraud and violated the truth in lending act. The payments are hurting my family and ability to buy a home. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have sent several copies of my current FTC Identity Theft Report to Transunion, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. I have called them several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts. They have cited none of the reasons for which FCRA 605B ( c ) would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them. As a military veteran, I am shocked and disgusted that a large, supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. The four days Transunion had under FCRA 605B to remove the fraudulent information has long since passed. If this not resolved quickly, I will be suing Transunion in federal court for willful noncompliance pursuant FCRA 616.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This credit card was opened at XXXX store in XX/XX/XXXX when I purchased a mattress & accessories for {$7200.00}. The agreement was that the payment for the products would incur no fees or interest for the 24 month promotional period and monthly payments would be equal to 1/24th each month of purchase price- {$300.00} per month. XXXX sent a defective mattress & had to replace it 4 times. After the 5th time I insisted that they give a full refund since we had not been able to sleep on the mattress during the near 1 year since purchase, each replacement was either the wrong mattress or another defective one. They agreed to refund the purchase price but they only did a partial refund. After months of back and forth where I had to keep paying the credit card company the {$300.00} per month, they refunded an addition amount, but not the full amount I originally paid and there was a balance left of {$630.00}. The credit card co said that they couldn't credit any of the payments back that I already paid for the defective mattress-I had to get it directly from the store, but that they would adjust the monthly payment to {$110.00} and the adjustment would take 36 hours to show up online. It never did - I called up, spoke with a number of service reps and on XX/XX/XXXX, while on the phone with them I paid {$110.00} for the XXXX payment. I was, once again told that it would show up online in 36 hours. It didn't-I sent secure messages on XX/XX/XXXX & XX/XX/XXXX & spoke with XXXX & XXXX-customer service in South Dakota-both telling me that the previous rep didn't do it correctly, but not to worry it is now taken care of and would show up online in 36 hours. Each told me they spoke with a supervisor and that it was being taken care of & that {$110.00} payment was correct. I paid the second {$110.00} after speaking with XXXX and today I find online that I am charged a {$28.00} late fee. Their chat service says they have a live person available, but no one comes online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got a bed to try out for XXXX nights and I did not like the bed so I had the bed picked up with no charge to me. The bed company use XXXX XXXX XXXX XXXX XXXX fl. XXXX XXXX XXXX CA. for there loan Co. I was never billed by XXXX XXXX at any time when I was on my trial time for the bed. I never paid any one no money at any time for the bed. XXXX XXXX said I made 3 payments to them, Frist one in XXXX, XXXX in XXXX & XXXX of 2017 they say I was 30 days Late. I got the bed to try out in XXXX of 2017 the first and the bed Co. picked the bed up on XX/XX/2017 that is 104 days. XXXX XXXX said my loan was for {$920.00} Open on XX/XX/2017 and closed on XX/XX/2017, I just want XXXX XXXX to take the 30 day late off of my credit report at Experian its been giving me a bad report and hurting my good 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 2019-07-16 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: WA

Complaint narrative:
They are reporting 6 merchants credit accounts in collections, these medical collection accounts have been removed from XXXX and equifax because they were unverifiable but some how equifax was able to verify them, how? They are reporting incorrect information and they refuse to remove it. This is now my third time disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: NC

Complaint narrative:
Equifax repeatedly ignores my request to send verification and remove fraudulent accounts from my credit file after numerous attempts for years!! I keep repeatedly sending in there requests for idenitity etc and they refuse to investigate my disputes!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 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: Synovus Bank
State: NJ

Complaint narrative:
I am writing you today as an aggrieved man. FIRST PROGRESS unauthorized took {$200.00} from my XXXX XXXX  account for a fraudulent account after my identity was stolen. I filed complaints against with the CFPB, XXXX and PA attorney generals office against FIRST PROGRESS and they closed the fraudulent account and removed in from my name, but they never returned my stolen {$200.00}. I demand FIRST PROGRESS to return my stolen {$200.00}.

Company response to consumer: Closed with explanation