vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank allowed an unauthorized charge on a LOCKED, EXPIRED credit card, where the vendor had an old and no longer valid credit card number. I only noticed this when I saw negative information on my credit report, and by that time there were late charges in addition to the negativity on my credit reports. I paid immediately to avoid it worsening, called Citi, and they would not help me. They said that locked doesn't mean what I thought it meant.? I called the vendor, and they issued an immediate refund. Citi refunded all the late charges. Still, there is negative information on my credit reports that I don't deserve. I have to dispute them myself. I would like you to be aware of Citi 's deceptive practices of allowing unauthorized charges on LOCKED, EXPIRED cards. I was a Citibank customer for 21 years. I never missed a payment. My credit score WAS in the 800s. I did not ask for this. This is DECEPTIVE.

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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Due to Federal docket : XXXX ; and the obstruction of justice done by Judge   XXXX XXXX XXXX and XXXX XXXX , XXXX stated to me on XX/XX/XXXX or so that they could not and would not place a freeze on my credit and information in regards to fraud and theft of my identity until I showed proof that I male, my name, social, and other forms to prove myself and a cover letter of why I need the freeze after its been reported and told for fives years now to all relevant government agencies and they did nothing but allow the state of PA., and XXXX XXXX XXXX to break legal code 18 U.S.C. 241 ; 242 with the help of the government. Understanding Donald trump is a graduate of XXXX business school it all adds up to why this has happened and why you all did nothing right or legal towards me yet let a man and this country rob me of my own identity and legal win in federal court while holding me hostage in an apartment building while having people surveillance me and do the most heinous crimes of retaliation and intimidation to me. Further more while attending an emergency XXXX  appointment it popped up in their system that I maybe committing identity theft and fraud against myself until they matched my face and information and saw themselves something was going on therefore thank you all for NEVER doing your job and allowing a man to do this to me with the help of people he knew and threatened to use against me while causing the most harm to me out of his mouth while in state level court. It is furthermore noted that I have reached and submitted to so many offices that I have to wonder are they mentally aware of what they are doing and the jobs they took when they took them but robbed me of fives years of life. From my lates 20 's until XXXX I have been done extremely wrong and I want it made right. You all allowed this to happen and never stopped it even while going through the system. Lastly for a credit agency to tell me over the phone we cant and wont help you with a freeze on my account until you give us what we need to update and cover our tracks is beyond the scopes of legal and shows full guilt that you all messed up. Now 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 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
My current lender is Caliber Home Loans. I was contacted by Caliber approximately one year after my mortgage was issued to refinance at a lower rate. It was described as a " no-hassle '' refinance since I was an existing customer. I filled out the refinance application and was contacted by a representative ( XXXX XXXX ). I was prequalified in XX/XX/XXXX. I received a call from an underwriter with regard to an IRS Lien on property I used to own. I informed the underwriter that the Lien had been released and forwarded a copy of the lien release. I was then informed that the release did not cover the dates in question and that they would need to request a subornation from the IRS. This all occurred in October of 2019. I then contacted my refinance representative to get an explanation with regard to my application. This was all a surprise because any lien had not been a problem when I received my mortgage in XXXX because I was on a repayment plan with the IRS and nothing had changed. Mr. XXXX said that he would check on things and get back to me. I also left messages with Mr. XXXX 's supervisor. A few weeks later I received a notice in the mail informing me that " because I voluntarily withdrew '' my application they wanted me to answer a survey about the service I received. THIS WAS CATEGORICALLY UNTRUE. I immediately attempted to contact Mr. XXXX by telephone and e-mail and left a message requesting a response. He did not respond to my e-mail and left a message on my voicemail to call him back about the status of my refinance. That was in XX/XX/XXXX. I have called and e-mailed numerous times with no response. This week ( XX/XX/XXXX ) I sent an e-mail once again requesting an update on the status of my refinance to no avail. I believe that Caliber has engaged in unfair and deceptive trade practices with regard to my loan application and its processing and I am requesting assistance in rectifying the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: GA

Complaint narrative:
I have made several attempts to dispute with Experian, XXXX, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.

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 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Hello, I received a piece of mail from PNC bank personally addressed to me, offering a {$500.00} checking reward bonus after signing up and meeting the stated requirements.I have the piece of mail saved and scanned into PDF form ( attached ). 

I signed up exactly as instructed and chatted with a PNC agent to verify that all my application was complete and eligible for the mail offer. I then completed the requirements that were stated in the time frame required. PNC has not fulfilled their end of the agreement in paying the stated checking bonus. I have not heard anything back from them about this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
Received a debt collection notice from Consumer Collection Management , Inc in regards to a small medical bill which had already been paid. Sent a dispute letter to the collection agency indicating that I disputed the debt on the grounds that it was already paid.

Collection agency responded that the debt was still being actively collected. Agency furnished an undated statement of account which they allege was the result of their verification of debt performed pursuant to 151692g ( b ).

As the statement of account is undated, it can not be used as verification. Furthermore the statement contained numerous errors. Collection agency failed to perform a thorough review to identify these errors. As such, the agency did not in fact comply with 151692g ( b ).

The purpose of this complaint is to lodge grievance against Consumer Collection Management for failure to perform a reasonable verification of debt as required by 151692g ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I thought I was starting a new job .. so I started my first week. & I given a check to deposit in my bank.. XXXX $ and it was available XX/XX/XXXX. After I went to XXXX to purchase two XXXX $ XXXX gift cards. Not the XXXX cards.. I was told by my boss XXXX XXXX to send the gift to another employee.. I never met this person before. We only been contacting through via email.. later that day around XXXX I get a notification from my bank saying it was charge back.. meaning the check was never clear.. now i have negative XXXX in my account. Im hoping XXXX can block the cards and give me any remaining funds back.

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 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I switched cell phone providers from XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX had a promotion in which they would pay up to {$500.00} per line for each line switched. Once they took over the phone numbers, I was no longer able to access my online account at XXXX to print the final bills, something XXXX XXXX XXXX required in order to reimburse me. I spoke to someone at XXXX and asked them to mail me my final bills. They never did this. I tried to ask for this multiple times via phone, text, email, chat on their billing page, and even in writing. XXXX XXXX XXXX required submission of the bills within 30 days in order to reimburse me, and of course, I never got a bill from XXXX to submit. To this day, they have NEVER received an itemized bill, yet they have hounded me via multiple calls daily, collection agencies, etc., and have negatively impacted my otherwise stellar credit rating. The amount they claim I owe is far higher than I had calculated, to boot, even at the onset of this situation. 
In response to letters from RPM collection agency, I sent a certified letter demanding proof of what I allegedly owe and asserting my rights under the Fair Debt Collection Practices Act. I am still getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: FL

Complaint narrative:
I contacted XXXX XXXX on XXXX XXXX XXXX about my credit card not being reported to Transunion and XXXX. They open a investigation. I got a letter XX/XX/XXXX saying my information being reported was inaccurate and that it was be fixed in 10 business days. I called XXXX 's in XX/XX/XXXX and they say they were reporting to all 3 bureaus and to call the credit bureaus. I called the bureaus and they said they have no information being reported and XXXX needs to call them. I called XXXX XX/XX/XXXX and talked to a gentleman that called the 2 bureaus Transunion and XXXX. They told him they were receiving the information but they took the account off in XXXX because of fraud and they refuse to put the account back on my report. This isn't fair to me. I can't buy a house since they won't report. I show no history of reporting accounts.

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 2020-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/2019 I purchased an engagement ring from XXXX XXXX in the amount of {$2000.00}. 
I specifically chose this jeweler because of the 12 months same as cash promotion I qualified for. The financing is being serviced by Comenity. 
When I received my second statement, there are interest charges on the statement in the amount of {$40.00}. 
I contacted Comenity in writing as specified on the statement if you had a fee or finance question. 
I explained in my email via their web site that this was incorrect, I was on a 12 months same as cash promotion. Comenity responded by advising they were sorry if I was confused, but they had no promotional information and then they went on to tell me how interest charges are calculated. 
I contacted XXXX XXXX where I purchased the ring and their response was to try calling Comenity and talking to them???? 
I have paperwork showing the 12 months same as cash along with the monthly payment that I would need to make in order to payoff in the 12 months that the sales manager calculated for me in the store. 
Neither business is addressing the problem. 
I feel like this was a total bait and switch scam and that I have been deceived. 
I have asked for management return calls from both companies and have yet to receive anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23 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: GA

Complaint narrative:
I have made several attempts to dispute with XXXX, Equifax, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: Atlantic Recovery Solutions LLC
State: IA

Complaint narrative:
Contacted by XXXX from Atlantic Recovery Solutions on XX/XX/XXXX & XXXX at my workplace before XXXX XXXX. Told they will be verifying my employment, assets and property if I don't get the debt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: FL

Complaint narrative:
I contacted XXXX XXXX on XXXX XXXX XXXX about my credit card not being reported to XXXX and Experian. They open a investigation. I got a letter XX/XX/XXXX saying my information being reported was inaccurate and that it was be fixed in 10 business days. I called XXXX 's in XX/XX/XXXX and they say they were reporting to all 3 bureaus and to call the credit bureaus. I called the bureaus and they said they have no information being reported and XXXX needs to call them. I called XXXX XX/XX/XXXX and talked to a gentleman that called the 2 bureaus XXXX and Experian. They told him they were receiving the information but they took the account off in XXXX because of fraud and they refuse to put the account back on my report. This isn't fair to me. I can't buy a house since they won't report. I show no history of reporting accounts.

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 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Because I was late once Citibank feels that it has the right to call me everyday at work and at home at least three times a day. This is annoying since I had already pay what was owe for that month. I research this on the Internet and found this is a common practice with Citibank. I will never get another card from them when I pay them off. Isn't it illegal for them to do this if you are not past due? I always resent that they have posted a big past due on my account when I am currently not. What gives Citibank the right to torture people like this! I don't feel that I should have to pay a lawyer to get Citibank off my back!

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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have close to XXXX inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to XXXX something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Contacted by XXXX from XXXX XXXX XXXX on XX/XX/XXXX & XXXX at my workplace before XXXX XXXX. Told they will be verifying my employment, assets and property if I don't get the debt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Since Im 100 % permanently XXXX and on heavy XXXX, my memory is not up to par however about XXXX XXXX years ago, I received a signed by XXXX XXXX XXXX judge judgement t in favor of LVNV in the amount of {$1300.00}. I was shocked because I was never made aware I had a court appointment. This was done behind my back without my knowledge. Then every XXXX months, Id receive the same letter. Then, yesterday, my bank, XXXX emailed me that a legal hold was placed on my account. After talking to XXXX, they told me that since I am direct deposit XXXX that my funds are protected but they took my XXXX XXXX XXXX daughters money from her high school checking account. She works XXXX hours most days and had {$110.00} dollars. I called LVNV a d they said this was an old XXXX XXXX credit card for {$500.00} but they now are representing XXXX XXXX and they need {$2000.00} to release the lien on my bank account. I explained this judgement was done behind my back and it actually was fir {$1300.00} and he said now more attorneys fees added to it and they will continue to take my XXXX XXXX XXXX money until I pay. The other option is that he will release the lien if I pay {$1500.00} up front. I told him I only have {$940.00} per month on XXXX and my rent is {$870.00}. I ha e to rely on family to help me survive.I get food at food closets. I have no car. Im extremely poor. I need your help please. This is an outrage that LVNV are getting away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I discovered a negative item on my credit karma from XXXX XXXX for a misunderstanding I thought was resolved They sent me to collections for and item that was never received for {$770.00} but I was given {$1000.00} credit They have on the XXXX  XXXX  my total credit was {$750.00} which is an error on their behalf They sold my false debt to Jefferson Capital An investigation was made and and in conclusion there was no judgement and it was charged off to XXXX but it is still on my credit report as a negative mark but this is all because of a mistake done by XXXX XXXX I would like this negative mark removed permanently from all my credit reports immediately please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have close to 30 inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to 30 something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.

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 2020-01-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have close to XXXX inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to XXXX something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.

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