vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
My company was sent a check but was received by an unknown person and deposited in his/her account. The check was correctly written to my office 's name ( XXXX XXXX XXXX XXXX XXXX ), was addressed correctly, but somehow ended up in somebody else 's hands. It appears to have been deposited by photo image, and not directly through a cashier. The check has an illegible endorsement and an account number which are not mine 's. 
The receiving bank has informed me that I do not have the authorization to request the withdrawal of the money from the account it was deposited ( Banco Popular de Puerto Rico -R/T : XXXX ; Acc. # XXXX ) The paying company ( XXXX XXXX ) has informed me that since they paid the check to the correct entity and mailed it to the correct address, they are not responsible for what happened to the check. Banco Popular de PR told me that only the payor, through its bank ( XXXX Bank ) can request the return of the money. 
The local Office of the Commissioner of Financial Institutions has also informed me that they do not handle this type of situation. It was they who referred me to you. 
I would like you to help me get the money from the person that fraudulently deposited it. 
I am not a customer of neither Banco Popular de PUerto Rico nor of XXXX Bank. My office 's account is in a local Cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX has placed account into collection with 4 different collections agencies. Each time we dispute the debt they do not reply within the 30 day timeframe and sell the debt to a different collection agency. They are reporting negative information on my credit report and have no right to do so, since they are in violation of the FDCA and FCRA. We have Cert RRR confirmation for each time we disputed the debt with each credit reporting agency.

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 — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN

Complaint narrative:
They are calling my number several times per day. asking for personal, private identifying information, wont tell me what the debt supposedly is or the amount. Ask them to stop calling my phone and send any correspondence via certified mail. just asked them once again to stop calling on XXXX2018 XXXX XXXX eastern time. this is the 3rd time ive asked them with no compliance on their part. Ive received nothing in the mail from this company.

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 card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX department stores credit card XX/XX/2014 {$230.00}

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: Experian Information Solutions Inc.
State: TX

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. XXXX XXXX ( XXXX : XXXX Experian : XXXX ), Unknown Name ( XXXX : XXXX ), XXXX   XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), SXXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XX : Experian : XXXX XXXX : XXXX ), XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX : XXXX Experian : 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash and Curtis had multiple accounts totalling {$2800.00} for my daughters XXXX XXXX. I had to work with insurance for several months to get this resolved but the totals were paid and yet this company has agreed to remove this from their records and remove from credit report, however, I applied for a mortgage and this has caused my score to drop XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: CITIBANK, N.A.
State: NY

Complaint narrative:
Applied for XXXX XXXX card on XX/XX/XXXX ( XXXX Bank Visa ). Purchased {$160.00} at that time. ( See attached document ) Received card at home address about 2 weeks later. 
Called on same day for billing information and paid same amount ( {$160.00} ) by check on XX/XX/XXXX. Never received bill in mail. 
On XX/XX/XXXX I ordered item on-line from XXXX XXXX. Amount of item was about {$100.00} Forgot about this item among XXXX shopping spree. 
Unknown to me, XXXX XXXX bills were being sent to wrong P O box. Never had XXXX XXXX   XXXX. 
XXXX Bank never notified me of returning bills even though they had my telephone number, home and E-mail address. 
Account grew to {$290.00} in 6 months due to fees and interest. 
Account was sold to Citi Bank in late XXXX of XXXX. 
Citi Bank called me by phone upon receiving account and account was settled onXX/XX/XXXX. 
I declined offer of XXXX XXXX Mastercard from Citi Bank. ( See attached document )

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is relentless is trying to attempt to collect this debt. the account is not mine. I asked for validation and in their own words they respond " Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/2016, for E***** H****** whose social security number ends in XXXX and that a balance of {$470.00} was due on the account at the time of PRA 's purchase. '' The Social they quoted in their own response to my last report is not my social. I also ask for validation as they are a 3rd party collection agency and what they provided was bills. Nothing with my signature, correct social, or a contract between myself and their company. This account does not belong to me and if not removed I will pursue legal action as they are in violation of reporting rules.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), Unknown Name ( XXXX  : XXXX ), XXXX  XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX : XXXX : XXXX Transunion : XXXX ), XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX : XXXX XXXX : XXXX Transunion : 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 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: TX

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. XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), Unknown Name ( Equifax : XXXX ), XXXX   XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX   XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XX : XXXX : 5X XXXX : XXXX ), XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ).

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report shows two accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX   Delaware ( Closed ), '' which was opened XX/XX/XXXX. I disputed these accounts with all three major credit reporting agencies but either didn't receive a response or was told to take my dispute elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
I toke out a loan in XX/XX/2016 with Ace Cash Express in XXXX, TX. Apparently they sold the bad debt to XXXX XXXX XXXX XXXX. Global has contacted me ( XXXX XXXX ), my uncles ( XXXX & XXXX XXXX ),  my aunt ( XXXX XXXX ), and grandmother ( XXXX XXXX XXXX ) via phone stating that there is a order of location against me in XXXX, TX and threatened to come to there home to arrest me. They also stated that I am not willing to cooperate which I have spoken to multiple persons within there office and provided my personal phone number and mailing address. I was told that I owe {$1600.00} by XXXX XXXX w/ XXXX ext XXXX and then {$1700.00} amount from XXXX with XXXX. I looked on Ace Cash express website and the amount owed is {$1400.00}. I asked for something via mail and they both stated that they can not send anything via mail. I asked for options to pay they stated that I had to provide a traceable bond via credit card. I asked for their mailing address and they stated that they are not willing to provide this info. XXXX XXXX with XXXXXX/XX/XXXX has been rude, threatening, and has harassed my family regarding a personal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
I was randomly charged by a company called First Federal Credit Control , Inc. for the amount of {$150.00} USD as I have no association with this company. I submitted a request to inquire on the incident on their website and received no communication to remove this statement. I initially noticed this bill when I saw my credit score drop. I've read reviews for this company and it is clear that this is not the first incident. I am very upset and I hope you can help me resolve this matter ; I have submitted a XXXX dispute claim as well. Thank you for your time. 

Best, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am having an issue with Citibank checking. A company by mistake ran an automatic debit through this account 3 times in error. I had changed banks. This caused overdraft fees on an account I was closing anyway due to so many issues with Citibank. I explained what happened and requested them to close the account. They refused. They stated I needed to pay the outstanding {$100.00} to close the account. I told them I do not have it as I am filing Chapter XXXXThey refused to close the account and now they are calling at least 40 to 50 times a day from different numbers. I have a block list in my phone a mile long. I have given them my attorney 's name and information 4 times now. They still refuse to stop calling. This is the conversation I just had with them. 
Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 0 minutes 22 seconds. 
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information. 
This chat may be recorded or monitored. 

You are now chatting with XXXX. 
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request? 
XXXX at XXXX, XX/XX/XXXX : Are we still connected? 
You at XXXX, XX/XX/XXXX : yes You at XXXX, XX/XX/XXXX : I want a copy of this conversation for my attorney XXXX at XXXX, XX/XX/XXXX : I will totally leave notes on the account regarding your request. I can not guarantee you the calls will stop, I apologize, but the notes will be left on the account. 
You at XXXX, XX/XX/XXXX : You do realize now that I have gave you my attorney information if the calls continue you are in violation of the law You at XXXX, XX/XX/XXXX : Again this is my 4th request You at XXXX, XX/XX/XXXX : I have copied this conversation and forwarding to the FCC and attorney general You at XXXX, XX/XX/XXXX : XXXX calls in one day and is out of control I am at my wits end. All day long at work my cell phone rings. Below you will find a screen shot of the blocked calls for 2 days. This has been going on for weeks.

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 — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I contacted your office to settle an account. On XX/XX/XXXX I received a settlement offer letter from you company with XXXX different payment options. At that time I did not have the money to take advantage of either option. I'm a single mother and only have XXXX income. I've now saved enough money to take advantage of the first offer on the letter I received in XX/XX/XXXX. The offer stated a single payment of {$410.00} by XX/XX/XXXX. I called your office today to see if they would allow me to take advantage of the offer even though it's has expired. Like I explained earlier I did not have the money at the time of the offer. I spoke with a young lady in your and explained what I was calling about. She stated she would have speak with the operation manager to see if the offer could still be accepted. A young lady by the name of XXXX XXXX returned to the and explained that I wanted to settle an account and that I could pay the {$410.00} today, XX/XX/XXXX. She said she would attach a letter stating that your company would agree to accept the offer of {$410.00} and settle the account. I stayed on hold while the letter was being prepared. Once I received the email with the letter attached, it stated an incorrect balance and stated that I was agreeing to a payment plan. I never stated that I want to make an arrangement for a payment plan. At this time I was place on hold. I again held the phone for 10 minutes waiting for XXXX XXXX to return. Finally I was told that XXXX XXXX would return my call. My call was not returned. I also attempted to contact XXXX XXXX via email. I have not gotten a response yet. I was very disappointed that we discussed a payment of {$410.00} to settle the account and received a letter stating something completely different. I felt like I was being made a fool. No matter the circumstances, I don't feel customers should be treat in this fashion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: CO

Complaint narrative:
XXXX has continuously denied my credit bureaus disputes stating that I still owe this amount of money and I have submitted receipts over and over that this has been paid. I have also talked to numerous representatives from the agency and they all give me the run around. I have submitted receipts to them directly as well.

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 is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, my then fiance and I got a home loan from Countrywide. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. Bank of America took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of Bank of America. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with XXXX  XXXX was part of escrow. Each year, from XX/XX/XXXX to XX/XX/XXXX, the annual homeowners premium increased and Bank of America never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, Bank of America began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XXXX of XXXX, when the home was sold by his family one year after his death. Oh yes, and 1. They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By Bank of America. I am trying to fix this misjustice. My credit is under 500. 3 years of late payments on a  mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. Bank of America should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.

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 information incorrect
Company: RELIABLE FINANCIAL SERVICES, INC.
State: PR

Complaint narrative:
Car was a voluntary surrender in the year XX/XX/XXXX because lack of employment and bank has agreed to receive and place a ) balance on my account. 

As noted in the credit report the car was kept by the bank and as noted in the credit report as of XX/XX/XXXX account was in good standing and suddenly placed in my credit report with a balance due of {$5900.00} Balance was XXXX as per agreement in XX/XX/XXXX. Bank refuses to give the documents when the car was received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation