vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation
State: TX

Complaint narrative:
Approximately one year ago, I received a loan check in the mail in the amount of {$1200.00} from XXXX XXXX of XXXX, Tx. As I was struggling at the time, I went to a bank and cashed it. After spending {$90.00} that same day, I got cold feet and changed my mind ; I decided to return the remaining {$1100.00} to XXXX XXXX the next day. The following day, I did that, handing their rep {$1100.00}. I told him Id pay the remaining {$90.00} the next day. He told me that there would be an additional interest charge of {$30.00} so I would need to bring a total of {$120.00} to satisfy the loan. I agreed to do that. When I returned to their office the next day and handed the rep the {$120.00}, he told me that I would now need {$40.00} more. When I reminded him of the amount he told me to bring the previous day, he lied and denied saying it. I became enraged at this obvious attempt of extorting entrapment and refused to pay another penny. I then walked out. So to sum up, I cashed the loan check for {$1200.00} and spent {$90.00} the same day. The next day I returned {$1100.00} to their office and the day after that, I went back yet again to their office to give them the final {$120.00}. Several months passed and I received a letter from XXXX XXXX stating that I owed {$140.00} and needed to make payment to bring my account current. I was in shock and outraged. They knew very well that I spent only {$90.00} of the original {$1200.00} and I returned the remaining amount to them with interest within 72 hours of cashing their loan check. I ripped up the letter and vowed to ignore their criminal behavior. They proceeded to send me several more letters over the course of several months and to this date, now claim that I owe them {$650.00}. Im so physically and mentally sick over their lies and harassment that not only do I wish to have them stop contacting me. I now also would like to file a lawsuit against XXXX XXXX of XXXX, Tx for harassment and fraudulent debt claim. Can I do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I applied for, received, and began using a new XXXX 's credit card. One feature of the card that I found attractive was the ability to check the balance and pay the bill online. I was dismayed to find the website will not allow you to use these features if the account is past due ; this policy is not mentioned on the website and a vague error message gives no indication of what has gone wrong. The credit card user is put in the Catch-22 : they can not pay their bill online until the bill is already paid. This policy makes little business sense to me ( why should any company make it harder for them to get paid? ). It leads me to wonder if the policy is a deliberate attempt to make payments difficult so as to increase consumer late fees.

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 2018-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : XXXX XXXX XXXX ( AND ) XXXX XXXX Additional information to add to original complaint. BOTH TU and XXXX XXXX are reporting derogatory illegal inaccurate reporting under FCRA. They are both showing ( 2 ) Federal Bankruptcy filing as opposed to ONE! Enclosed hard copies reflect from the court, the ( 1 )  federally approved Chapter XXXX bankruptcy filed. Both XXXX  and XXXX  contacted the XXXX XXXX Federal Court in Texas and verified the facts. They both removed the reporting or corrected my credit file. However not TU or XXXX XXXX. 

2 ) In addition, please see the attached records. Where both TU and XXXX  are now reporting a XXXX XXXX XXXX " hard inquiry '' from XX/XX/XXXX. Since my credit file was froze during that time frame ... .How can it be, that XXXX XXXX was allowed to make any inquiry? Never-mind a hard inquiry ... Dropping my score causing me further harm. 

3 ) Therefore, please accept the enclose additional claim. To " add '' XXXX XXXX a subsidiary of XXXX. For reporting 2 as opposed to one bankruptcy filing. In addition, for reporting the XXXX XXXX hard inquiry. When based on material evidence my credit file was considered froze. 


4 ) PLEASE SEE ATTACHED MATERIAL HARD COPIES OF EVIDENCE ; PLEASE CONFIRM TU AND XXXX CONTACT THE FEDERAL COURT TO CONFIRM ( ( ( ( 1 ) ) ) ) FEDERAL BANKRUPTCY FILED FROM XXXX. As opposed to ( ( ( ( 2 ) ) ) their reporting is showing that the one filed from XXXX was " discharged ''. The court will confirm. There is ONLY Claim, one Case No. and one Federal Discharge in XXXX. Please see the court record attached. Thank you

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 2018-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I called my credit card company discover and asked why my card was declined because I had made a payment days previously. After getting information I also asked about information if i wanted to close my account. Next thing you know I receive an email stating my account was closed. I never authorized them to close my account. I called them the next day and asked why it was closed. They said they would look into it. I called a few days later and they stated it was closed and there is nothing they can do. This will now affect and hurt my credit report/score. I never had intentions of closing the account. I was never read a disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018 at XXXX XXXX  I spoke with a representative from XXXX regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018 at XXXX XXXX I spoke with a representative from Transition regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.

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 2018-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2018 and and XX/XX/2018 i sent a debt validation letter regarding this account to Portfolio Recovery Associates LLC. See the attached letters. Asking them to show written agreement of the alleged debt in question as it is shown on all 3 major credit bureaus reports. it is unlawful to report an unverified/unvalidated debt. I got a response from Portfolio Recovery Associates on XX/XX/2018 see the attached letter! and it was vague and did not address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2018, I opened checking and savings accounts with Citibank under a promotion that offered a {$400.00} bonus with the following terms : 1 ) Open a new checking and savings account in the Citibank Account Package betweenXX/XX/18-XX/XX/18 ; 2 ) Within 30 days of opening your account, deposit {$15000.00} New-to-Citibank funds into the checking and/or savings account ; and 3 )  Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. I will provide a copy of the offer. I was an " Eligible Customer '' as defined by the offer, and I met the terms of the offer, but Citibank has not paid the {$400.00} bonus. 

According to my account statements, which I will provide, I deposited the required funds on XX/XX/2018, and I maintained the required minimum balance until XX/XX/2018. Citibank was supposed to pay the {$400.00} bonus within 90 days of when I completed the required activities. I completed the required activities by XX/XX/2018. Therefore Citibank should have paid the bonus by XX/XX/2018, but they did not. 

I contacted Citibank by " chat '' on XX/XX/2018, and again on XX/XX/2018, to inquire when the bonus would be paid. I will provide transcripts of these chat sessions. Both times, Citibank representatives assured me that I had met the terms of the offer. On XX/XX/XXXX, the representative said that I needed to " wait for the reward to appear. '' On XX/XX/XXXX, the representative said that Citibank would review my account and respond within 2-7 business days. I have not received a response, and Citibank has not paid the {$400.00} bonus.

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 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Opened XX/XX/XXXX {$400.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 


XXXX {$1500.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX {$570.00} I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 


XXXX XXXX XXXX {$450.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Please see my previous complaint regarding Santander reporting my balance incorrectly. They responded saying they updated the balance, however, I just received a notification from XXXX that they reported the account as closed. This caused my credit score to drop 30 points! Please correct this. The account should be reported as Open, pays as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under wage wager in XXXX and discharged in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX  sent me a copy of my XXXX XXXX XXXXXXXX. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against XXXX XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX-my home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX XXXX XXXX XXXX, rather than 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 2018-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
in 2016 I contacted XXXX communications directly. They agreed to remove the debt from my credit due to faulty and improper information. I have a correspondence dated XXXX to XXXX and XXXX XXXX XXXX. They removed the debt from my credit and stopped mailing letters and correspondence. 

Now I receive a new collection, listed upon my stellar credit with the same amount and under a new collection company. Waypoint Resource Group out of XXXX XXXX Texas. 

I have a nasty gram letter I have written to them as well penned today XXXX. 

This was already removed by XXXX Once it is to stay removed!!!! Period!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX XXXX has that I owe money for medical from XXXX XXXX that have been paid through their program that pay the bills for you. I have been speaking to them for a few months about the following accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I reported my card lost between XXXX -XXXXXXXX PTS and was told I would receive a new card in 7 business days, About two weeks went by and contacted customer service and was told to wait 7 more business days and dont know why it was never shipped, a week later still no card I called and was told it would be shipped and received within two business days, called again today XX/XX/2018 and was told I wasnt notified about the card delay on a problem on their side and was shipped regular mail. This 3rd attempt didnt acknowledge my past contacts and just kept telling me to wait till next week after having to make an phone appointment with the manager and compicated {$10.00} credit.

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 2018-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see my previous complaint regarding XXXX reporting my balance incorrectly. They responded saying they updated the balance, however, I just received a notification from Equifax that they reported the account as closed. This caused my credit score to drop 30 points! Please correct this. The account should be reported as Open, pays as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Received Citi Cards ( Master Card ) bill for XXXX with purchases made in XXXX XXXX XX/XX/XXXX for $ XXXX not by us. Resolved! XX/XX/XXXX XXXX XXXX & XXXX XXXX TX for {$65.00}, UNRESOLVED!! After several calls to Citi Cards Customer Service XXXX. Phone calls were bounced all over U.S. Finally wife got someone she could not understand because of accent. Their response was I transfer you to someone in U.S. Received letter from Citi ( R ) Cards dated XX/XX/XXXX and received XX/XX/XXXX stating their Investigation was over and we will now be billed for {$65.00}. The following info provided for you. Invoice # XXXX, XX/XX/XXXX Shipped Standard Ground, Waybill # XXXX. Tried tracking on Internet and got no where. Second item at XXXX for same date for {$32.00} Invoice # XXXX, XX/XX/XXXX Standard Ground, Waybill # XXXX. Haven't been billed yet. These look like XXXX games. Citi Cards was sent all required info they requested and authorization not to pay XXXX XXXX and XXXX from us. No XXXX Games were ever received by us as we did not ORDER!

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 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax continues to IGNORE a Police Report, ID theft report and XXXXworn Affidavit. Equifax is acting on its own to wreck the Credit and standing in the community of XXXX XXXX XXXX. Equifax has been given Multiple opportunities to cure the fault, but refuses to even Address the issue. Equifax representative told me via phone call, that the CFPB is a joke and they can do NOTHING to Equifax. SO far ... .evidence shows they are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
New Jersey Higher Education Student Assistance Authority XXXX XXXX XXXX XXXX XXXX is stating I am liable for a student loan that isn't mine XXXX, and they in violation Section 2A:14-1 Which they can not legally collect on a debt past 6 years. The loan was issued in XXXX and its now XXXX. They keep harassing me for payment. I want this loan discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
XXXX XXXX had destroyed my roof XX/XX/2017. And I was not getting any service from this company for seeing baseball games, seeing shows as scheduled since XXXX XXXX. I had a service paid for XXXX for {$40.00} gave all this. So I cancelled my service XX/XX/2017 with my account current on this date wanted to know the terms for cancellation. XXXX XXXX stated return all equipment and pay {$220.00} as a final payment. This is a penalty of XXXX a month for eleven months. All This was done per XXXX XXXX instructions to the letter. And I had to pay {$60.00} to nail down three shingles back on my roof knocked down by the XXXX XXXX Antenna flying off the roof hitting my roof dislodging three shingles. So XXXX XXXX wants to collect extra money to get the full contract price not providing any service. This is a predatory contract givning no service. I do not want to be harassed by XXXX XXXX through XXXX forever. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation