vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I'm a victim of fraud and I sued Bank of the West. I was first offered a settlement by XXXX XXXX, which she reneged on.. 

Apparently I'm now being offered another settlement, but, the law firm that Bank of the West hired is too sexist to deal with. XXXX XXXX XXXX XXXX. I don't understand how to talk to a law firm that has all female support staff and the lack of ethnic minorities in management is baffling. 

This level of sexism and discrimination is something that I've never, ever seen. I never even conceived of this situation before now. I don't know what to do. I'm being denied a settlement and am being treated differently because I don't know how to deal with sexism in practice.

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 2018-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I called into XXXX company to follow up on multiple calls my father had received. My father had been called numerous times asking information about myself. He was told that I should contact by Friday XX/XX/XXXX to avoid further legal action. I decided to call. I spoke to my case worker who told me about a debt from XXXX. She said there was a 2 hour limit to stop further legal proceedings. I had to pay or get served with papers at my address or work address. I mentioned I didnt own this money, that by my recollection this debt had been payed off. She said that they only take written pay off debt notice. To stop the further proceeding I was told to make a payment and could call to cancel the payment plan if I had found my debt payoff letter. I made a {$50.00} payment and commitment to pay {$50.00} every 2 weeks. I called later that day to mention that this debt wasnt reflected on my credit report and asked for proof of debt. I was told I would recieve proof by email by Monday. I also asked for a mailed copy. On Tuesday XX/XX/XXXX the company called me and I called them back. I asked about my payment receipt and my proof of debt. There was no answer. I mentioned that I would not pay them if I didnt receive this information. I was told good luck in court. I called again to get their company name, address, and corporate phone number. I didnt receive any information and was transferred to a supervisor. I was told that due to me making a payment I had restarted the timeline for them to collect the debt. I was never told this information on XX/XX/XXXX. I asked for proof of debt and was told I would receive in email within 1 hour. I have yet to receive proof of debt and receipt of payment. This debt is 8 years old when they are trying to collect on it. I dont have any information about this company other than the name XXXX and phone number XXXX. I was told none of their communication is done through mail and I could only receive an email. Upon researching statue of limitations for Virginia is 6 years.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I found out on XXXX that I had an outstanding bill of {$76.00}. I called XXXX, who had the debt originally and inquired about the bill. I had no idea I even had this debt. No phone call nothing. I paid the debt immediately. Once I paid it everything is closed. I saw that the collection agency XXXX uses is RPM collections. I called to inform them that they are reporting to Equifax a debt of {$150.00}. It was exactly double of the original bill. I called to ask about it. No one knows anything. XXXX says call XXXX and XXXX says to call XXXX. So far no one will help. They are still reporting that I owe this money. The debt of {$76.00} was paid on XX/XX/XXXX18. Immediately the {$76.00} came off the credit report. But it shows that XXXX is still reporting it only the amount is the {$150.00}. I've asked for them to please research but they say it's paid and nothing shows. When the customer service rep looks it up they have the wrong address attached to my name. Neither side have even attempted to help until I spoke to XXXX again on XX/XX/2018. They said that they would look into it and might call me in 2 days. I've heard nothing. I've called many times. Won't give me a letter of paid in full either so I could handle it myself.

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 2018-07-25 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Georgia XXXX SSN : XXXX | DOB : XX/XX/XXXX Trans Union XXXX   XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXXXXXX XXXX  XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX xxxxxxxxxxxxx XXXX Unverified Account XXXX XXXX XXXX xxxxxx XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX   XXXX XXXX Unverified Account XXXX   XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Accou XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TN

Complaint narrative:
XXXX XXXXXXXX. XXXX has placed an account on my credit report with XXXX  for {$540.00}. This debt does not belong to me. I have asked multiple times for written verification and signature for this account. I have always held health insurance. I wouldnt have any medical bills. I have been dealing with this issue for a year without any feedback or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
FOLLOW UP TO PREVIOUS DISPUTE I am still waiting upon a resolution and a response from Equifax regarding a strange " loan '' appearing on my credit report labeled XXXX XXXX account number is XXXX .... 
This is an unfamiliar account which I have been disputing with just Equifax and I have had zero response since my initial dispute from my letter sent out in XXXX and then challenged the account again here on the CFPB portal in XXXX because I am concerned about my student debt rates that will be affected by this inaccurate account. No remarks have been placed on the account that this item is being disputed by the bureau, no information is available from Equifax or any monitoring company regarding who and what this account is in reference for and to whom I may contact for verification. 

I have never held an account with XXXXXXXX XXXX and I am not even sure what a Loan is from XXXX XXXX. Without validation, contact information or proper month to month status information how is this being reported towards my credit? This certainly was not verified and I feel as though a dispute was never entered because none is indicated nor have I received mail regarding the results or whom to contact. Please remove the account permanently. I don't understand why I am waiting so long for a resolution here. good XXXX it has been 3 months and I have no resolution and I keep being told to wait on a response ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Georgia XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX Unverified Account XXXX XXXX XXXX xxxxxx XXXX Unverified Account US XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX   xxxxxxxxxxxx XXXX Unverified Account XXXX   xxxxxxxxxxxx XXXX Unverified Account XXXX xxxxxxxxxxxx XXXX Unverified Accou XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a letter from Citi on XX/XX/XXXX, asking for additional information to update Citi 's records. I called the contact number XXXX the next day. They asked me some personal information and I gave them all the information that day. Then on XX/XX/XXXX I received the same letter and because I had given the info earlier I did not respond to the second letter, I thought that they had the info from my phone conversation. Then on XX/XX/XXXX they blocked my checking account. I went into the local Citibank and spoke with XXXX XXXX who was an account manager. I then told her that my account was blocked and she called the office that handled the problem. She asked them why they blocked the account and she was told that I had to give them additional info so that they might undo the block. She asked me a lot of questions about my past job and who I worked for and when I retired and how much money I earned then, and other items for their records. She filled out the paper work and sent it to them on her computer, so they got it instantly. XXXX told me that it would be 4 to 5 day 's before they could unblock my account after they review my info. About a week later I called her and she then told me that they needed additional info about my wife and her jobs and pay. I gave them the info and they again told me that it would take four or five days to review the info. Then on XX/XX/XXXX I called again and they asked me for more info, I sent in the new info on e-mail. I then called on the XXXX and they told me they did not receive the e-mail. I then wrote another E-mail with the new Info on it and sent it in with the E-mail from the day before that they said they did not receive it. I called again a few day 's later and the girl said that the person reviewing the information was working on it and it should be another 72 hours. I don't know how this information could be so important as to put a hold on a persons checking account I have been a customer of Citibank the day after we got married XX/XX/XXXX. I have not done anything wrong and they are treating me like a criminal. My name is XXXX XXXX, I live at XXXX XXXXXXXX XXXX in XXXX XXXX, Fl. XXXX. Please help me I am XXXX years young and should not be treated this way. Reference # 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 2018-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2018 I connected with a person who called himself XXXX  ' who I spoke with on a XXXX Ticket Exchange page. I was looking to purchase tickets to a concert at the XXXX XXXX XXXX on XX/XX/2018. After asking XXXX if he still had tickets that he had messaged me about on XX/XX/2018, he agreed to sell me his tickets. After a long deliberation, XXXX promised that he would transfer the tickets to me over the XXXX site, which has worked for me in the past, for {$300.00} over XXXX. Later that night on XX/XX/2018, I transferred {$300.00} to XXXX as promised over XXXX. He urged me to make the transaction a 'Friends and Family ' transaction as these transactions take less time to transfer, he claimed. After I transferred the money to the account he specified, which he claimed was his girlfriend 's XXXX 's account, he said he was going to call XXXX to get the tickets transferred. Over the next 36 hours, XXXX delayed transferring the tickets for a number of reasons detailed in the attached message exchange. He eventually informed me that XXXX informed him they could not transfer the tickets over XXXX accounts as the specified venue did not support that feature, which I knew was not true as I have used the ticket transfer feature for this venue before. I looked at the E-Mail he sent me, which was from another person 's name and E-Mail address, XXXX XXXX. This e-mail had the " tickets '' attached, but the attachment on the E-Mail was a broken attachment and nothing opened. I started to get suspicious and asked that he refund me my money or transfer the tickets via the XXXX account feature. He agreed originally, but after another long deliberation he claimed he could not transfer my money back for a variety of reasons. I threatened to contact XXXX and US Bank to report the transaction as fraud, and he continued to delay refunding me. Eventually, he discontinued contact with me so I contacted XXXX and US Bank. XXXX informed me I could not receive a refund because the transaction was started as a 'Friends and Family ' transaction. I contacted US Bank and submitted a claim, and they too informed me they would not pay out the claim.

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 2018-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Higher Level Processing
State: IL

Complaint narrative:
Hello, I got your information on the Federal Student Loan site. I saw information that stated you shouldn't be paying another party for servicing your loan so I clicked and was taken here. I don't think the problem is with the school, it's with the party that contacted me about having my loans transferred to XXXX XXXX from XXXX and then I would pay them a fee of {$29.00} a month. 

The company is XXXX XXXX XXXX XXXX based out of California. Please let me no what I can provide. If this is a scam, I'd like to get out of it. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing this letter to file a complaint about a fraudulent charge to my Sears Master Card credit card. On XX/XX/2018, we noticed a fraudulent charge to our credit card from a company in XXXX XXXX XXXX. The company, XXXX charged us {$43.00} for goods and services that we did not authorize. We called and filed a dispute with the credit card company stating that the charge was not authorized. The credit card company opened an investigation to the matter and concluded that the charge was not authorized by us. They reversed the charge. One month later, on XX/XX/2018, we noticed another charge from XXXX for the same amount of {$41.00}. This time we noticed that we were charged an additional {$41.00} from a different company in XXXX XXXX XXXX called XXXX XXXX. We called the credit card company once again to dispute both charges. The credit card company reversed the XX/XX/XXXX charge of {$41.00} and closed our account at our request. The company issued us new cards, but transferred the {$41.00} from XXXX XXXX to our new card. On XX/XX/XXXX, I called the company to file another dispute for the transferred amount and the credit card company opened a new investigation. I received a letter dated XX/XX/2018 that stated that they credit card company had concluded that we gave this company in XXXX XXXX XXXX our credit card number and they were going to reissue the charge to our card. I called the credit card company to speak to a representative to ask for the evidence that was used to determine that we authorize this XXXX XXXX company to charge our card, but I was told that I could not speak to anyone regarding this matter. I need help with this company because they are not being transparent with me regarding how they came to the conclusion that we were complicit in authorizing this charge.

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 2018-07-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX has discharged a loan and it still shows on my credit report as 129-149 days late. the discharge is due to the fact that should have NEVER been enrolled into this school in the first place.See document attached.

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 2018-07-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX has discharged a loan and it still shows on my credit report as 129-149 days late. the discharge is due to the fact that should have NEVER been enrolled into this school in the first place.See document attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX/XXXX has discharged a loan and it still shows on my credit report as 129-149 days late. the discharge is due to the fact that should have NEVER been enrolled into this school in the first place.See document attached.

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 2018-07-26 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: GA

Complaint narrative:
On the date of XX/XX/XXXX I moved out of an apartment not oweing anything, in transformation, my name were removed from the least, my cousin remained and now the complex is saying I owe {$1500.00} from XX/XX/XXXX

Company response to consumer: Closed with explanation