vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 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: FL

Complaint narrative:
I have no change to my credit report, no identity theft complaint, i've made my payments and have no derogatory report with Citibank or any credit cards. Citibank is forcing me to make minimum payment only by punishing me for paying off a larger amount on my card. I made a substantial pament and withing 10 hours they reduced my credit limit therefore hurting my attempts to grow my credit score and to make sure I don't do it again and have to continue making minimum payments. I was punished for doing a good thing. They say it was a " coincidence '' that they ran a report a few hours after paying down my card which is a lie. They now have me fearful of making any more payments larger than the minimum due out of fear I will be punished again by reducing my credit limit.

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 2018-08-29 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: FL

Complaint narrative:
The information on my XXXX credit report is mixed with someone else. There is fraudulent information included in my account, accounts that I have never opened, companies that I have never done business with, and apartments in other states that I have never lived in. I'm unable to log in to XXXX since the challenge information does not match any of my previous events.

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 2018-08-29 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: PA

Complaint narrative:
I became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA XXXX which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all 3 credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!

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 2018-08-29 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: PA

Complaint narrative:
I became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA XXXX which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all 3 credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!

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 2018-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
The collection agency knew the amount was in dispute and still reported to the collection agency that I owe the debt. The collection agency sent me a paper that clearly says XXXX   XXXX is 100 % responsible for payment. I did not agree to pay for any services since I did not request it and I was fully insured by XXXX XXXX. I am requesting they remove the debt from my credit reporting agency and or clearly mark this debt is in dispute by customer. 

The collection is in bad faith and unethical knowingly reporting a debt it knew I was placing in dispute. IMMEDIATE ACTION IS REQUESTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Credit & Collection Corporation
State: PA

Complaint narrative:
XXXX is trying to get payment for things that were discharged By XXXX XXXX   almost a year ago and proof is enclosed. XXXX put these charges in collections. Please stop them from doing this. They were informed these aren't my charges

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: MD

Complaint narrative:
I have no business with this company and have no outstanding debts that aren't being paid. I check my credit report regularly and have no negative information. My parents may owe someone something and I have been tracked down as a relative, that's my only thought. If true, they need to deal with them. The company is well known for being rude and making threats.

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 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sterling Credit Corp.
State: NY

Complaint narrative:
XXXX from XXXX XXXX XXXX was rude unprofessional and contacted my bank XXXX XXXX XXXX XXXX and requested an amount from my account not authorized to he called me a liar and talked over me people picking up the phone are not representating the company this took place at XX/XX/2018 at XXXX, the number I was told to contact was XXXX I feel scared that this company has my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I '' m making a complaint about capital one businesses spark card. Because they shut my card down with out notice, or an email nor phone call. I tried to make a payment twice but it was bounced back because I did a wire transfer instead of an on-line transfer so thats why the payment was not going through. I did the  payment a third time and got it correct. but my card was still shut down I never missed a payment from capital one nor was I never late on a payment. So I asked them to remove the inquiry from my credit since they shut my card down and they refused. Pleas help me get this hard inquiry off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: FL

Complaint narrative:
There was a credit inquiry for XXXXl XXXX credit card in XX/XX/XXXX. I was notified in XX/XX/XXXX that the hard credit inquiry was pulled. I called the bank to dispute since I didnt apply for the credit card and believed it was fraudulent activity. The XXXX XXXX bank sent the letter to let me know that they cancelled the credit inquiry since it was a fraud to all three agencies. However, Equifax never removes the inquiry and I have tried to disputed that with them 3 times. I faxed the copy of the letter from the XXXX XXXX bank to support my claim but still not fix. I would like to file a complaint against Equifax for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: WA

Complaint narrative:
Mortgage was not " foreclosure '' but was given back in chapter XXXX bankruptcy. XXXX XXXX Loans continues to purposely misreport as " foreclosure '' when they know it was included in bk. BK is over XXXX years old and XXXX can not report negative info in any fields on credit report. Fix this immediately or I will see you in court. Chapter XXXX bankruptcy was discharged XX/XX/XXXX case # XXXX Original mortgage was with XXXX and was filed as such in bk. XXXX purchased the loan several years AFTER the home was given back to XXXX under the protection of bankruptcy courts. I offered to reaffirm the loan however the courts did NOT approve the reaffirmation. Therefore it was NOT a foreclosure and WAS and IS protected under the federal bk courts which you are knowingly and willfully disregarding thus violating my rights.

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 2018-08-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Mortgage was not " foreclosure '' but was given back in chapter XXXX bankruptcy. XXXX XXXX Loans continues to purposely misreport as " foreclosure '' when they know it was included in bk. BK is over XXXX years old and XXXX can not report negative info in any fields on credit report. Fix this immediately or I will see you in court. Chapter XXXX bankruptcy was discharged XX/XX/XXXX case # XXXX Original mortgage was with XXXX and was filed as such in bk. XXXX purchased the loan several years AFTER the home was given back to XXXX under the protection of bankruptcy courts. I offered to reaffirm the loan however the courts did NOT approve the reaffirmation. Therefore it was NOT a foreclosure and WAS and IS protected under the federal bk courts which you are knowingly and willfully disregarding thus violating my rights.

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 2018-08-29 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: AR

Complaint narrative:
in XX/XX/2018 I disputed an inaccurate account with XXXX, Experian, XXXX. The inaccurate account was XXXX XXXX/ XXXX/XXXX account # XXXX.All three credit bureaus stated that the account is verified, The inaccurate account is charged off and I've asked several times sent in letters to all the credit bureau for the method of verification because the account is charged off and the account was sold to a outside agency. And I have yet to get this information about the lender that bought the account.. XXXX and Experian and XXXX has failed to send me the method of verification on this account, How are yall verifying the account when it is charged off and was sold to a outside lender,, but all the failed to send me the Method Of Verification. my rights have been violated ... .and they need to remove this account from my credit file ... they failed to send me proof the account and failed to send me the method of verification,

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 2018-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I XXXX XXXX have contacted " ONLINE INFORMATION XXXX '' on numerous occasions and have not gotten anywhere in regards to the debt. XXXX the collections XXXX was handling my issue and never got back with me in regards remaining balance. Every time I would call the collections company I would constantly be handed off to a new person and get nowhere with the issue at hand. The debt should be paid off by XXXX insurance. Some of the debts were processed and paid off by the insurance except the balance of {$120.00}. When speaking with the claims department at XXXX they notified me that there was never a claim put in for the amount. All other amounts had a claim put in by " ONLINE INFORMATION XXXX '' and had been paid for. I am an XXXX XXXX service member and this ongoing issue and unprofessionalism by " ONLINE INFORMATION XXXX '' is now affecting my job clearance in the military. Any help on this would be greatly appreciated. Thank you in advance. 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
For the past several months we have receive notices from XXXX XXXX, regarding the collection & enforcement of our Home Line of Credit. The line of credit was executed between me and XXXX onXX/XX/XXXX. 

XXXX XXXX is trying to collect the debt and claims that the account is fully enforceable by its terms. XXXX XXXX is trying to establish enforcement on a Heloc or line of credit, however in the state of Florida the Heloc by its term is a non-negotiable instrument. 

Under Florida Law, the heloc is not a self-authenticating negotiable instrument. By its own terms, the note established a " credit limit '' of up to XXXX from which I could requested in advanced ..at any time. Further the note provided that all advances and other obligations ... will reduce your available credit ''. The heloc note was not unconditional promise to pay a fixed amount of money. Rather, it establishes the maximum amount of borrower power extended to a borrower by a given lender, to be drawn upon by the borrower as needed. See line of credit XXXX XXXX XXXX, XXXX ( XXXX XXXX. XX/XX/XXXX ). 

The distinction is not esoteric legalese. Florida law is clear that a " negotiable instrument '' is " an unconditional promise or order to pay a fixed amount of money, with or without interest pr other charges described in the promise or order. '' 673.1041 ( 1 ), Fla. Stat. ( XX/XX/XXXX ). The Heloc note reflects no such undertaking. it only obligates me to repay whatever borrow, up to XXXX. Therefore the HELOC failed to require the payment of a fixed amount of money, making it nonnegotiable instrument. XXXX XXXX can not continue to enforce this debt as it is deemed nonnegotiable by its own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: AR

Complaint narrative:
InXX/XX/XXXXI disputed an inaccurate account with Experian the account which is XXXX XXXX # XXXX. Experian investigated and it came back verified. in XX/XX/XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter datedXX/XX/XXXX sent on XX/XX/XXXX Experian got the letter on XX/XX/XXXX,,, i have copies of the delivery receipts On XX/XX/XXXX i was notified that Experian completed there investigation with the account XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested..

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 2018-08-29 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( Experian and XXXX ) 2. XXXX XXXX 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 2018-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I can not get a payment history for my student loans. I need every payment that was ever made from XX/XX/XXXX until today for court per court order. I need this asap. I only get the run around. Sallie mae tells me to call navient. navient tells me to call XXXX XXXX. XXXX XXXX tells me to call navient. Nobody has my account and nobody can give me a payment history, or any information on my student loans. I have a case opened with obudsman, # XXXX. I need this payment history for court ASAP. Please tell me who in the United States Government Accounting Office can give an accounting of my student loan payment history. If you can not provide this information, the Fair Credit Billing/Reporting Act states you have to remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Core Check fee disclosure agreement states : have at least one qualifying direct deposit of {$250.00} or more made to your account each statement cycle. Disclosure is not specific and misleading a customer to perceive as to at least one deposit, without mentioning it must be a SIGNLE deposit, meaning to as one or more with a combined sum of {$250.00}.

Bank of America XX/XX/XXXX overcharged a monthly maintenance fee of {$12.00} during a statement cycle when one of its requirements was met per banks fee agreement, specifically as to one or more of direct deposits of {$250.00}.

Contacted BOA customer service on XX/XX/XXXX for fee refund resolution, which was not satisfactory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 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: FL

Complaint narrative:
The information on my Equifax credit report is mixed with someone else. There is fraudulent information included in my account, accounts that I have never opened, companies that I have never done business with, and apartments in other states that I have never lived in. I'm unable to log in to Equifax since the challenge information does not match any of my previous events.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
In XX/XX/2018, I went to XXXX located at XXXX XXXX XXXX, XXXX XXXX tx XXXX and I made a money transfer from XXXX to XXXX thru Money gram. 
I sent $ XXXX to XXXX XXXX about XXXX XXXX ct. And I get my copy from the money send with receipt reference number : XXXX. 
The recipient call me same day about XXXX ct from XXXX XXXX to get the reference number to get the money, once the recipient was at the store ( XXXX XXXX XXXX , at XXXX XXXX XXXX ) to collect the money, the recipient was told from the person in charge that the money was already collect y, and the recipient went to a different store ( XXXX ) to try to collect the money and the store manager from XXXX told the recipient that the transfer was block and to come back another day. 
The recipient call me right away and explain me what just happened, so I told him that maybe was an error in the transaction but to comeback next day to collect the money. 
The recipient went back next day and the store manager from XXXX told him that the money wasalready collected, the recipient ask for a prove of the transactions but was denied y, so the recipient call money gram and money gram said that it was already collected but money gram can not give more information only to the sender, I called money gram and they ask me all kind of question and money gram said that it was already collected but they were going to investigated what happen, I asked them for the confirmation of payment or information of the person who suppose to collect the money and theysaid they didn't have it yet but they were going to investigate and call me back, it's already a month and I haven't heard from moneygram. 
Money gram representative over the phone gave me a case number : : XXXX

Company response to consumer: Closed with explanation