vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This complaint has been made directly to Citibank many times. 
Their bill pay function is often down or not working or states I have no payees. They have recently changed their bill pay from a straight alphabetically list of payees to this new dash box and the new system ( while the old list can be found -- but often difficult to get ). The new boxes takes up a lot of space ( pages to scroll down through ) and time and is very inefficient for those paying many bills. They added multiple payee list, but that is very confusing as well. Simple is better and faster. But that aside. One can still pay bills if the functions work. The problem is something is not working most every time I go to pay bills. I am a busy person. I then see listed the statement : not working ; try later. Often later is not a few minutes, but hours. Often I will not be back by a computer for a day or two and need to get bills paid. I like to do from home as I keep records of bills paid and doing them on the run is not the best way ( with a cell phone ). So, I have tried in the middle of the night. Then down for middle of the night work. Tried today at XXXX XXXX XXXX, not working. 
Today at XXXX XXXX I managed to pay three bills ( # reference number # XXXX, XXXX and XXXX ) and then the function stated I didn't have any payees. I called to complain and regular Citibank operators sent me to supervisor who hung up on me or got disconnected. She had just asked my phone number so could have called me back ; she did not. I called back and was told the problem was still existing. All toll this attempt to complain consumed about 45 minutes of my time. If this happened, once, it would be ok. But this has happened at least 12 or more times recently. Based on that, I believe they are not giving the advertised services as they should. They also hang up on you when they don't want to hear the complaints. Since they ask for your phone number, they should call you back if a disconnect occurs. They do not.

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 2021-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company would lower credit limit to amount charged creating usage greater than 39 % usage and a negative mark in credit report as delinquent and reported several times to credit bureaus and several inquiries within days of each inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Company would lower credit limit to amount charged creating usage greater than 39 % usage and a negative mark in credit report as delinquent and reported several times to credit bureaus and several inquiries within days of each inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Company would lower credit limit to amount charged creating usage greater than 39 % usage and a negative mark in credit report as delinquent and reported several times to credit bureaus and several inquiries within days of each inquiries

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 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
15 USC 1681b and 12 CFR 1022.3h 6 accounts I did not give consent to have attached to me please delete them it's a XXXX dollar violation for each one

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 2021-06-17 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
Sent a letter dated XX/XX/2021 directing SageStream to mail my yearly consumer disclosure. Sagestream choose not to comply and did not send me a copy of my consumer disclosure.

Sagestream has a history of not complying with requests for disclosure. See previous complaint : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NJ

Complaint narrative:
HELLO, I WOULD LIKE TO INQUIRE ON A MAJOR ISSUE I AM CURRENT EXPERIENCING AT THE MOMENT WITH TRYING TO RECTIFY INACCURATE, INCOMPLETE AND DEROGATORY INFORMATION REGARDING CERTAIN NEGATIVE ITEMS ( ACCOUNTS ), STILL REPORTING ON MY CREDIT REPORT. I HAVE BEEN ATTEMPTING TO CORRECT THE IMPERFECTIONS ON MY CREDIT REPORT MORE OR LESS AROUND XXXX OF 2019. NEITHER OF THE THREE CREDIT BUREAUS HAVE PERFORMED A FULLY ANALYZED INVESTIGATION, ALL OF THE COLLECTION ACCOUNTS ON MY CREDIT REPORT DO NOT PERTAIN TO ME AND I AM NOT LIABLE FOR ANY DEBT WHAT SO EVER. PLEASE HELP MY INVESTIGATE THE REASON WHY THE NEGATIVE HISTORY IS STILL REFLECTING. XXXX XXXX WAS NEVER REMOVED OFF OF NEITHER CREDIT BUREAUS, WHEN I STRICTLY ADVISED THEM THAT I AM NOT LIABLE FOR ANY DEBT WITH THEM, THE NEGATIVE HISTORY IS COMPLETELY INACCURATE. XXXX XXXX IS ANOTHER ACCOUNT THAT I AM NOT AWARE OF EITHER. PLEASE ASSIST ME WITH THIS MATTER, I'D GREATLY APPRECIATE 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 explanation
Consumer complaint received 2021-06-17 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: NJ

Complaint narrative:
HELLO, I WOULD LIKE TO INQUIRE ON A MAJOR ISSUE I AM CURRENT EXPERIENCING AT THE MOMENT WITH TRYING TO RECTIFY INACCURATE, INCOMPLETE AND DEROGATORY INFORMATION REGARDING CERTAIN NEGATIVE ITEMS ( ACCOUNTS ), STILL REPORTING ON MY CREDIT REPORT. I HAVE BEEN ATTEMPTING TO CORRECT THE IMPERFECTIONS ON MY CREDIT REPORT MORE OR LESS AROUND XXXX OF 2019. NEITHER OF THE THREE CREDIT BUREAUS HAVE PERFORMED A FULLY ANALYZED INVESTIGATION, ALL OF THE COLLECTION ACCOUNTS ON MY CREDIT REPORT DO NOT PERTAIN TO ME AND I AM NOT LIABLE FOR ANY DEBT WHAT SO EVER. PLEASE HELP MY INVESTIGATE THE REASON WHY THE NEGATIVE HISTORY IS STILL REFLECTING. XXXX XXXX WAS NEVER REMOVED OFF OF NEITHER CREDIT BUREAUS, WHEN I STRICTLY ADVISED THEM THAT I AM NOT LIABLE FOR ANY DEBT WITH THEM, THE NEGATIVE HISTORY IS COMPLETELY INACCURATE. XXXX XXXX IS ANOTHER ACCOUNT THAT I AM NOT AWARE OF EITHER. PLEASE ASSIST ME WITH THIS MATTER, I'D GREATLY APPRECIATE 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 explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Firstmark has stated to me in various calls and letters that they now own one of my student loans. I have requested debt verification on XX/XX/2021 via certified mail. The company has failed to verify the debt with me and has now made my account delinquent on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: MI

Complaint narrative:
Key 2 Recovery reports a debt to my credit report in XXXX that they say has been with them since XX/XX/XXXX. Then sends a letter to my mothers house of an account that I dont have with them in late XXXX  XXXX and another to my grandmothers house in early XX/XX/XXXX. I send back a letter disputing any debt with them on XXXX XX/XX/XXXX in response to the letter sent in XXXX XXXX via certified mail @ tracking # XXXX which is delivered to them by XXXX XX/XX/XXXX which requested validation of debt, proof of ownership of debt, proof of ability to collect in the state of Michigan as they are based in the state of Ohio & to only contact me via mail. The company failed to provide any of the information as requested and further continues to report to the credit bureaus as a collection on my account last seen as XXXX XX/XX/XXXX. This company is also impersonating as an internal collection of a creditor to XXXX  when they are not businesses within the same state lines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: CA

Complaint narrative:
After going several rounds with grossly incompetent Equifax employees, trying to get information on my credit file removed, that was the result of identity theft, I finally thought I had success. Unfortunately that wasn't the case. Sadly, even though the dispute results they have provided me indicate that the information was removed, it is still active on my credit file. I have exhaustively tried to work with the poorly trained staff, to get this fixed but every person I speak with provides a different story and none of them have resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I send a deposit for a rental property throw my Chase bank account XXXX XXXX. Chase process this through XXXX. I turns out that the is was a scam. I contacted XXXX they said I had to contact by bank. Chase open a claim and told me that they would contact XXXX to get the money back from were the money was transferred to and that this would take 3-5 bus. days to attempt to resolve. no less that 24 hours later I got a letter stating they could not help me. because this was a XXXX issue. 
I told they that this was a service and or merchandise that was not render or I did not receive merchandise for what I paid. And I feel that they should be protection from the Chase stand point because this was done through my Chase account. 
I did not choose to go through XXXX that I what Chase gave me as an option. I feel as if if I had written a Check and put a stop on payment of place it on my Debit card I would be able to get the money back because it went through my account. Why not for XXXX? 
The total amount I should receive back is {$1200.00} I have reached out to the person that received the transaction they said they would return the money but have not done so. Their email for XXXX transactions is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: MD

Complaint narrative:
Amex is refusing to waive my interest charge despite that fact that it's my first month with my new card and I thought I already had auto pay set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
I purchased a used truck that was financed through a loan company United Auto Credit, the dealership is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After purchasing the vehicle I sent my first payment on time as per our contract. About 10 days later I began receiving calls from the dealership saying that I missed my payment and that they were repossessing my truck. I called the bank and they said that the money order was damaged and they could not cash it, so I told them I had the receipt and would apply for a refund and forward it to the loan company, which I completed. Now I received a letter from the PA DOT that my check bounced and my plate and or license will be suspended on XXXX XXXX if check is not made good. Rewind, the check the dealership submitted to Pen dot was only given to hold the truck from being sold to someone else according to XXXX  at the dealership, but after the mix-up with the money order, the dealership claimed right to repossess the vehicle because of a contract with loan company that if missed my first payment, they get to repossess the vehicle in question. I called the bank and they told me about the money order mishap and that the dealership had no right to repossess the vehicle. So fast forward and the dealership gets angry and alters the check to match the fees for title, plate and taxes and submits the check to Penn dot even though the loan company said that these fees were included in the Auto loan contract originally but this is where we stand today without the ability to freely drive the vehicle I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
1 of 2 : {$420.00} ( Discover Card Dispute # XXXX ) Cancelled trip totaling {$680.00} booking with XXXX  XXXX  ( trip # XXXX ) under one hour from booking ( and far below 24 hours DOT refund policy ). Airline only gave partial refund of {$250.00}.

Credit card Dispute department tricked by false documents from Airline and closed dispute.

Credit card refuses to inquire with Airline for accurate documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing you because, I sent the 3 bureaus numerous letters about fraudulent and inaccurate information on my credit report and also asked them to show me how they verified this information was true, being that I already told them its not mines, and till this day I still have not received a response from them. I never opened a XXXX account in my name and that is on my report. Also, I never authorized any furnishers to report on my credit and they can not prove that I did. So its taken them more than 2 months to respond to me and I never authorized them to put anything on my account and these fraudulent accounts and late payments need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC
State: AZ

Complaint narrative:
On XX/XX/2021 I requested by phone that Mountain Run Solutions provide me proof of debt to support the derogatory collection they placed on my XXXX credit report. 

I filed a complaint with the XXXX XXXX disputing the debt and asked once again for proof, On XX/XX/2021 they once again refused to provide this information to me saying it was my responsibility to obtain it. 

Under Federal law they are required to send me proof of a debt and they failed to do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXXf XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them. They reported on my credit report as I had an account in collections with them in the amount of {$5900.00}. 

I also informed Professional Debt of that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX XXXX '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. 

I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. 

In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), and 15 USC 1692f ( 8 ). They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. 

I appreciate the CFPB 's assistance in the matter. 

Best,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Commercial Recovery Systems
State: MN

Complaint narrative:
two messages about a check written from previous bank from 2017. He then threatened to file bad check in XXXX XXXX court. Then called back 3 minutes later claiming he just talked to the XXXX County XXXX and was told that he legally had to contact my employer of my school district to report I commited a crime. He has now contacted my family telling them all I committed a crime and would be going to jail. Have never had any communication in regards to any debt or bad check from 2017.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NY

Complaint narrative:
On XX/XX/2021, I received a payment request for a debt attached to my SSN/credit report being reported by XXXX for a debt of {$180.00}. In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to True Accord Corporation. I did not authorize the sell of this account to True Accord Corporation, I have not done any business at the address listed with this account nor do I owe True Accord Corporation. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from True Accord Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received no notice from the collection agency that this account was in collection, right to dispute or verify account. This is just not right!

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 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I would like to get a loan modification on my existing mortgage and no one is trying to help me with that. I am not satisfied with my new mortgage service. My loan was sold to them this past year from XXXX XXXX. I can never get anyone on the phone or any response to my emails. I am very concerned. I just want to talk to someone about a loan modification. Please. 
Thank you.

Company response to consumer: Closed with explanation