vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I contacted this collection agency in regards to the debt. I was asking questions about the credit reporting guidelines and I tried to ask the representative for the validation of the debt, because I paid this off directly to the original creditor prior to being placed in collection. I never received notification via mail that this debt was owed originally. As soon as I started asking for proof, the representative became short, told me he had to go, refused a transfer to a supervisor and refused to supply a name. The behavior exhibited by this agent confirms my suspicion that this is a fraudulent debt when I asked for proof. I 'm requesting I receive written validation of this debt from the original creditor including a payment history as this remaining balance was paid. I request the derogatory mark be removed from my credit report until I receive these documents to my correct address.

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 2017-11-06 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: OK

Complaint narrative:
Equifax data breach compromised my personal information. Verified by Equifax website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
This issue is been going for quiet some time. 
Late in XXXX I received a letter from Nelson and Kennard stating that they represent XXXX XXXX and that I owed about {$10000.00}. I had no idea who XXXX was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact XXXX several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to Nelson and Kennard. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I purchased a CD in the amount of {$10000.00} through XXXX XXXX, who was later acquired by JP Morgan Chase Bank. All my accounts checking and savings, were successfully transferred over in this merger except for the CD. Upon my reretirement I inquired to XXXX about my CD twice and was told by times that they did n't know what happened to it. See attached letter, which is a copy of what I sent to XXXX XXXX XXXX for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
This issue is been going for quiet some time. 
Late in XXXX I received a letter from XXXX XXXX XXXX stating that they represent Velocity Investments and that I owed about {$10000.00}. I had no idea who Velocity was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact Velocity several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to XXXX XXXX XXXX. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: CA

Complaint narrative:
I had the worst banking experience at Citibank. I signed up for a {$300.00} promotion online on XXXX XXXX, XXXX. I was supposed to receive my account information packet within a week of opening the account, but I did not receive it for about a month. I repeatedly called Citi about it and at first, they told me to keep waiting, but after a month, I called to complain, and they finally sent it to me. 

I then called in multiple times ( at least once in XXXX, XXXX, XXXX, AND XXXX ) to speak with a representative about whether I would receive the promotional credit and was assured multiple times by different representatives that I would receive my promotional credit, but had to wait for some procedures to go through. In XXXX, they told me to call back in XXXX. In XXXX, they told me call back in XXXX. 6 months and more than 6 phone calls later, still no credit, and no accountability from Citibank. I called them a final time in XXXX and told them there was no excuse for them to keep delaying crediting my account with my credit, and they told me that I did not fulfill the original criteria of getting that credit because I did not make a direct deposit within 1 month of opening the account. I was extremely frustrated because I had called in multiple times along the way to ask about this because it was Citibank 's fault that I did not receive my account information until a month after opening my account, and now they were blaming me for not having the account information to make the direct deposit. I am so frustrated with how Citibank stringed me along all this time only to continue to deny me the promotional credit they had promised me. Not only did they continue to lie to me, they also consistently wasted my time and required more than the normal effort to get a response. This is the worst bank I 've ever worked with and I will recommend against it to all of my family and friends, and I hope CFPB will be able to right this wrong.

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 2017-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Hide termine in contract {$2600.00} in XXXX XXXX/XXXX/XXXX, but the rates is to high is impossible because i have XXXX XXXX i do n't have te money is more {$200.00} every 2 week rate is almost {$8000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX XXXX for XXXX XXXX XXXX XXXX with a balance of {$400.00}. I have XXXX numerous notifications to these companies that this is identity theft yet they continue to show on my credit reports despite me being the victim of the crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
XXXX sold my loan to Fay Servicing ( about {$5000.00} left ).
Fay Servicing wants to add insurance to my loan amount for a home that is non-existant, just like XXXX did. 
They sent me a policy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX Delaware XXXX 
The certificate they sent says the insurer must be licensed to operate in my state, I tried to get some kind of insurance, with no home to insure, and my insurance lady said there was no insurance company in Oregon that would issue such a policy. So I do n't believe XXXX XXXX XXXX. XXXX and Fay Servicing have the right to charge me for a homeowners insurance policy when there is no home. 
They are also putting any money I pay that is over the payment amount required into a non-applied account? I have requested on the phone and in writing that I want any money over the payment to be applied to the principal, but they do n't do it. 
They are stealing and cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I established an online account with PayPal on XXXX XXXX, XXXX. Shortly after, I was informed that my account had been temporarily limited on XXXX XXXX, XXXX, and was requested to provide additional information to verify my identity. I complied - and provided a copy of my U.S. passport, only to be told that PayPal had decided to close my account due to some " security issues ''. This is ridiculous - I 'd been using the account normally and PayPal could n't even provide an explanation to justify its decision. The reference number for PayPal 's request for my identification is : XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX XXXX for Capital One Bank Card with a balance of {$400.00}. I have semt numerous notifications to these companies that this is identity theft yet they continue to show on my credit reports despite me being the victim of the crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: WA

Complaint narrative:
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for XXXX XXXX XXXX XXXX XXXX for account XXXX. This account is one fraudulent account included in my identity theft.

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 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: WA

Complaint narrative:
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for Kay Jewelers aka Sterling Jewelers for account XXXX. This account is one fraudulent account included in my identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion will not delete servers inquiries on my credit report that are not mine nor did I authorize them, Ive called/sent letters with this complaint yet nothing has been done.

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 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Overcharged financing. After XXXX minutes on the phone with a rep who barely spoke English she could not give me a reason why I was charged 24.75 financing on a card account with a {$25.00} balance. One purchase of {$25.00} with a financing rate of 19.9 % should n't accumulate a {$24.00} financing. The reason she kept giving me was its a " Daily Variable Rate ''. So I paid it ( {$49.00} XXXX just so I can find a new credit card company and not have to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit
State: NJ

Complaint narrative:
In about XXXX my XXXX XXXX XXXX XXXX broke down. The dealer examined the car and said it was the engine. I informed XXXX corporate and they refused to repair it because it was XXXX miles out of warranty. I provided XXXX with proof of proper maintenance to the car. I made every attempt to resolve this issue but XXXX refused to work with me. They offered to pay for 50 % of the repair. The problem with that is my balance on the loan was approximately {$19000.00}. To repair the vehicle would be {$13000.00}. One half of that is {$6500.00}, which makes the entire cost {$25000.00} for repair and the balance on the car. According to XXXX XXXX XXXX the car was only worth {$13000.00}. I left the car at the dealership and cancelled the contract. It did n't make financial sense to continue to pay for a car that I was n't driving. All correspondence is attached hereto. I 've since found out that XXXX did n't repair the car and resell it but instead is selling it to a salvage company for scrap metal. XXXX should have repaired it and resold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AFNI INC.
State: CA

Complaint narrative:
I switched cell phone companies from XXXX XXXX XXXX to XXXX. 

XXXX told me that if I switch they would pay off what ever I owe to XXXX XXXX XXXX. 

This agreement was not fulfilled on sprints half. I switched carriers and they did nothing. 

I have not received any notifications from XXXX XXXX XXXX stating that this wasnt paid and they didnt tell me that this was going against my credit. 

Now I have a derogatory mark on my credit profile because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened at Target Red Card ( Credit ) online at the suggestion of the website that I could use the card immediately on a difficult to find toy that quickly goes out of stock. I applied, was approved and was told to click a link to use my card right away. I followed the instructions and was directed back to Target 's shopping website, and found that I was not able to use the card for purchases. I called their credit card assistance line and explained the issue to a customer representative who did n't seem to speak or understand English proficiently. He suggested I use another form of payment. I explained that I would not have opened the card if I wanted to do that. He asked if he could put me on hold to assist me after explaining the issue several times. After being on hold for about 15 minutes, the phone was picked up by who I believed to be the same man. He then proceeded to tell me he did n't know who I was and act like he had n't talked to me saying he needed to transfer me and I had to start all over. He then transferred me to the same automated line that I used to call him initially, even after my request to speak to the person who placed me on hold. I again followed the prompts for the automated line and this time spoke to a woman who seemed to understand me even less, I explained the problem several times and felt like she did n't understand. She also recommended that I use a different form of payment. I was told to call back tomorrow after I 'd been on the phone for over an hour. The item was out of stock again by the time I hung up. I received an email saying I was approved and could use the card in 7-10 days after it came in the mail. I then tried to speak to two more representatives in the online ordering department who denied that they could assist me in charging the item to the new account and also urged me to use a different form of payment. I was told that I had to keep checking on line for the item to come back in stock then call to use the card at a later time.

Company response to consumer: Closed with explanation