vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was reached out to on XX/XX/XXXX by a " locating company '' or something of that nature. A woman told me to call a number XXXX of a company called XXXX XXXX. A woman Named XXXX answered the phone and told me that they have a debt owed to them for a Bank Of America account they purchased back in XX/XX/XXXX. She told me that the amount owed was {$1600.00}. When I asked her questions she was very aggressive towards me and told me that they would pursue me in a manner that would cost me a much grater sum if I didn't start paying immediately. Because I was skeptical with her and voiced that she was using what seemed like manipulative tactics she was quick to say that she was going to put it down that I was denying or rejecting to pay and hung up on me. I don't see anything like this on my credit and with all the Identity theft going around and her extremely unprofessional nature in addition to her extreme sense of urgency to take a payment I was skeptical to say the least. I called her back immediately after she hung up to try and get more info. She told me an account number that was with BOFA of XXXX that was an old overdrawn checking account. She told me I could call them. I asked her what the original amount owed was and she said it was {$300.00} and something dollars. She told me that they had reached out and mailed me stuff to a location I lived at over 10 years ago at XXXX XXXX in XXXX XXXX. She told me to avoid legal action I could settle the debt on the date we spoke for {$400.00} down and pay the other {$490.00} by XX/XX/XXXX. I told her I needed to call Bank Of America to verify that the debt was mine because I was unaware of it. I called them and they were closed for the holiday. I called her back and she said I have till today to make my {$400.00} dollar payment to avoid legal action. After this call I starting doing research on the number called and read a number of stories just like mine about extremely old accounts and aggressive tactics to resolve accounts. She read off the last 4 of my social to me and gave me their address of XXXX XXXX XXXX, XXXX, CA, XXXX to establish credibility. She emailed me a " Debt Verification '' letter that didn't show any kind of interest or the original amount owed. There was a debt balance of {$1600.00} and also {$2600.00} in the body of the letter. It didn't say anything about my ability to dispute it which I'm told is required by law and it doesn't show their license number which I guess is also required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been buying & returning from XXXX online for years and you have to pay out of pocket for shipping. I've bought hundreds this year and most items don't fit and are returned. On XX/XX/XXXX I returned 4 lbs worth of items, mainly overpriced panties. The exact amount of refund I should get is unknown because I always use coupons but if you go by the emails for what I paid I should have been refunded was {$220.00} and change. They refunded my kohls card {$46.00} and claim I have a balance of over {$1000.00} which is impossible. I attempted to chat online and wasted 15 minutes or more. I emailed the email on the packing slips and it is invalid. I have sent messages on the website and of course am told to call. I hate talking on the phone and why would I waste more of my time when I asked for a fax or correct email to send attachments of the shipping label and packing slips/emails with all the returned items circled and highlighted that I mailed with the items? Talking on the phone isn't going to let me show proof. I mailed copies of all this last week to corporate and have not gotten a response. They refuse to give me my refund and I have more items to send back and of course I can't since I know they will mess that up too. I have filed a complaint with the BBB and it is unresolved. I filed a dispute with XXXX and nothing was done/changed except a slight balance change from 2 payments. I'm about to report it to the AG and capital one who issues their credit cards. I told them to cancel my card/accounts and they have not, in fact last week they sent a nonsense email asking me to re register and sign up for e billing like I was a new customer. And they punish me further and ad insult to injury be sending a message saying they were upping my APR nearly 3 % because it wasn't fair new customers weren't getting the rate I was. Google XXXX   complaints sometime and you'll find thousands of cases of unethical if not illegal practices. https : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Manor Resources, LLC
State: OK

Complaint narrative:
I obtained a car title loan from XXXX on XX/XX/XXXX in the amount of {$2400.00}. The loan was for a period of 24 months at 24.88 % interest. I made each and every payment on time with no exceptions. The loan was paid off on XX/XX/XXXX. 

Starting about 10 days after the loan pay-off, I began calling their customer-no-service line at XXXX to inquire about the notarized documents needed to take them off my title as a lien-holder. The first customer-no-service person informed me that they have 17 days to return the title and that I should expect a document about that time ( XX/XX/XXXX ). Indeed, an envelope did arrive in the mail from XXXX. Inside was a copy of my note with a letter stating the loan was paid-in-full. The letter was unsigned and had been printed on a laser printer. The letterhead was so pixilated it was nearly unreadable. I called the customer-no-service line the next day and was told the letter could be taken to my local tag agent to remove the lien. Of course, I could see that was not true. The agent then told me that the letter was a courtesy letter until my actual documents would arrive ... now the 17 days became 17 business days. 

After the 17 business days had expired ( XX/XX/XXXX ) I called again and the customer-no-service agent informed me that they actually had 30 days to get my documents to me. Subsequent calls to customer-no-service I was told the documents had gone in the mail on XX/XX/XXXX. I pointed out that was a Federal holiday ( Columbus Day ) and it would have been impossible for that to be true ... the customer-no-service agent doubled down on that story and offered to provide a tracking number ... which proved to be fake. 

My loan agreement is with Manor Resources , LLC operating their company at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. The principal owner was XXXX XXXX. They have a one star rating with the BBB in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I dispute a XXXX XXXX item on my TransUnion credit report on XX/XX/2018. And on XX/XX/2018 they said it was verified. ( It's No way if TransUnion did a proper investigation it could be verified that fast ). On XX/XX/2018 I contact TransUnion and spoke to the manager name XXXX XXXX at XXXX about my dispute in my dispute letter ( it's states I haven't received any documents with my signature on it ) so I ask XXXX did they have any contract with my signature on it and she said NO!!! This is a violation of the Fair Credit Act and my Rights. If TransUnion don't have a written contract with my signature HOW ARE THEY VERIFYING THIS ITEM???????? Why is it on my Credit Report???? And ask TransUnion to Verify all None account holding inquiries they are Not mine I contact All of the companies and they Never respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: CITIBANK, N.A.
State: MO

Complaint narrative:
XX/XX/2018 I've repeatedly told Citi Bank that I was a victim of identity theft, I've sent them all the required documentation including a police report, FTC report and Affidavit and declaration of unauthorized use. They are violating my rights according to the FCRA, they should be blocking this account from reflecting on my credit report. This is affecting my job, and other aspects of my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Today ( XXXX XX/XX/XXXX ) I attempted to freeze my credit report access at XXXX, Transunion and XXXX. The XXXX attempt went without a problem, but I was thwarted in my attempts at XXXX and Transunion. After filling out the credit freeze request form at Transunion, I was received the following response : <p> " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 
We are sorry, but we are unable to fulfill your request at this time. 
What to do now : If the problem persists, please contact our Website Access Support team at XXXX, available Monday through Thursday : 8:00 a.m. to Midnight, and Friday through Sunday : 8:00 a.m. to 8:00 p.m. Eastern Standard Time. '' <p> In the case of XXXX, it was clear to me that they were intent on making it as difficult as possible to obtain a free freeze. Their request form did not allow autofill, an easily implemented customer courtesy, and after having manually filled out the form and answered ID verification questions, I received a notification that for an unspecified reason they could not fulfill my request, and that I should send the request via USPS mail and include a long list of specific pieces of information, which I had just supplied in their online form. 

I believe if one of your agents attempts to use the free freeze request at the two services referred to above, they can confirm my experiences. Nevertheless, I will double check both of those services tomorrow, and if their response has been more compliant in fulfilling the requirements of the free freeze legislation 's intent, I will so inform you via this complaint submission option. 

Sincerely yours, XXXX. XXXX XXXX, VA

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 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
A collection agency named : The CBE Group reported a collection on my credit report for the amount of 4XXXX from XXXX XXXX on XX/XX/2018. This is not my Debt, so I contacted The CBE Group and they verified that a person with my same name in California had the Debt. again, I told them this is not me and they asked if my last XXXX of my social was**** and i told them No, my last 4 is ****. CBE then stated that since I was not the person on the collections account, they could not give any further info. I told them that its obviuosly not me on their account, so take this off my credit report, and they stated " sorry, we cant help you ''. I told them I live in Missouri, not in California. They still refused to help resolve this false credit reporting that they made on my credit report. 

The CBE Group XXXX XXXX XXXX. 
XXXX, IA, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MSW Capital, LLC
State: AL

Complaint narrative:
Msw capital bought the debt from XXXX XXXX. I do not owe this bill because this bill is a result of identity theft. I never had a XXXX credit card. Now I have a lien with a small claim judgment against me. I just came out of bankruptcy and will loose my FHA loan because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Professionals, Inc.
State: WY

Complaint narrative:
Numerous Contacts including re-uploading receipt of payment. This company refuses to remove it from my credit report and reflect it as paid. It is a continual effort on my part to show the account was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: MD

Complaint narrative:
I initially sent out dispute letters XX/XX/XXXX to the 3 major credit reporting agencies in order to correct erroneous marks on my credit file. After the investigation period was complete, a lot of the items came back as verified on my Equifax and XXXX report, all derogatory items that I disputed were dropped from my XXXX credit report due to the fact that they could not be properly verified but again, remained on my equifax and XXXX. Im also aware that these reporting agencies MUST by law, conduct a thorough investigation on their own and can not merely parrot or use what an original creditor or collector says as means for verification, they also may not use XXXX to verify. So I am requesting that the following items which remain on my equifax and XXXX credit file be removed immediately. 

Equifax & XXXX XXXX : XXXX XXXX Balance : {$780.00} Opened : XX/XX/XXXX XXXX XXXX Balance : {$450.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$75.00} Closed/ Charged Off Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$450.00} XXXX Balance : {$5000.00} ( Balance is incorrect )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have tried twice today to request my free annual credit report from Equifax. I have 3 mortgages, 2 car loans, and 5 credit cards. The questions that are asked on the website to verify my identify are not specific enough and it is impossible to decipher which account they're asking about. A question regarding my mortgage monthly payment could have a correct answer of XXXX, XXXX, or XXXX. A question about my monthly auto loan payment could be {$730.00} or {$330.00}. It's a guessing game where I get permanently locked out of my credit report if I'm wrong. 

I have called twice, they have extensively verified my identity ( since I could clarify which account they were quizzing me about ) but will not grant me online access to my credit report. I do not  recall having this issue with any other credit bureau ( as they specify the opening date of the account they are asking about ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Portfolio Recovery Associates have repeatedly harassed me in the form of phone calls to get me to pay this debt I don't owe due to identity theft. Now they're threatening litigation, which they legally can not do because they have the wrong person. Whatever amount they're claiming I owe, this isn't true. Everything they do is in fraud. In fact, they're known to have people pay in full, and then charge them again and again to pay ( after it's paid off ). This company is known to call up daily before, during and after working hours. I have repeatedly reported them to the FTC for breaking the do not call list. Everything this company does is fraudulent when it comes to debt collection, and I'm not paying them anything because they have the wrong person. Their behavior must stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Hello my name is XXXX XXXX and my XXXX   account name is XXXX with the username XXXX XXXX. On XX/XX/XXXX I made several XXXX   transaction both for XXXX XXXX One of the XXXX $ transactions was sent back to my XXXX account then I requested to send it to my bank account upon doing that I received a estimation date of XX/XX/XXXX that I should have the funds in my bank account t that was not the case my XXXX account was frozen and an investigation began. After the determination of the investigation it was determined that I am permanently banned from XXXX   and my account is deactivated. Which to me is not the problem I am fine with that but they have XXXX $ of my own money in my XXXX account still on hold for up to 180 days which I can not afford to live without that money for that duration of time also I can only communicate through email response and with that the agent states that she can not assist me in this situation so know Im in a situation where I do not have my XXXX $ that me and XXXX know is rightfully mine and no time frame or assistance to when Im getting my funds back. Please help me with this situation is is very stressful and I would just like my money back so I can be done with them thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX have a debt on my credit reports that is not my debt. I sent this company an affidavit of dispute and validation and I have yet to hear back from them. The debt has been removed before because this company couldn't product anything proving it belongs to me. For some reason it is back on my reports and I wasn't notified by the credit bureaus of this. I recently check my report and see 's that is back on there. I want this off my reports because it is not my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I took a trip abroad, I came back home and I was charged with over 100 dollars in fees. I have had Amex for over 10 years and I have never had any issues like this in the past. 

I called customer service, asked to speak with a supervisor. The supervisor was " unavailable '' at the moment to speak with me in regards to these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened an account with Synchrony and made an initial deposit of {$40.00} on XX/XX/2018. 
I later made another deposit for {$900.00} on XX/XX/2018I further logged into account to see it is restricted. The message instructed me to call XXXX called immediately and spoke with customer service. Customer service was not able to tell me why account was restricted. She ( customer service ) said she would put in a request for back office to contact me. No call from back office as of today XX/XX/2018. I called several more times and emailed them a message as to why my account was restricted I withdrew and electronic payment on XX/XX/2018 for {$430.00} ( see documents attached ) an account was restricted that following day. I was told by letter 3- 5 business days. ( see attachment letter ) I was told by phone on Monday by a supervisor, he escalated this and should receive a call on today XX/XX/2018. no call. I called again today at XXXX and spoke with a supervisor at to why my account is being restricted and was told I would know something in 90 days. 

This is unfair in my opinion to hold a consumer money for 90 days. I was told during this time, I could deposit money, but could not take any out on today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Re : XXXX Case # XXXX Complaint of XXXX XXXX XXXX This matter involves Citizens Bank and their neglect, failure and refusal to honor the payment of a {$200.00} account opening bonus in accordance with the terms and conditions of a promotional checking account opening bonus offering of {$200.00}. 

Since the opening of said Checking account on XX/XX/2018, Complainant has comported with all terms and conditions of said promotional offer and said account has been and remains in good standing with Citizens Bank. 

Said promotional offer clearly set forth ... you will receive a {$200.00} bonus. Bonus will post to the checking account within 90 days after direct deposit has posted ... 

Complainants qualifying deposit was made on XX/XX/2018, as is reflected on the checking account statement attached hereto, yet to date, more than 90 days have passed and no such {$200.00} Bonus has been credited to Complainants account. 

It is Complainants position that Citizens Bank has perpetrated a fraud, in and of a breach of contract, upon the Complainants herein and should be made to rectify said breach of contract and be sanctioned according.

Company response to consumer: Closed with explanation