vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ref : XXXX XXXX Acct # XXXX ; XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , NY XXXX Dear Sir/Madam : This is a formal complaint against Citibank . I received a Promotion Letter letter dated XX/XX/XXXX from a Ms. XXXX XXXX, US Head of Small Business, Citibank, NA, directed to my company XXXX XXXX, offering {$1000.00} to move {$50000.00} to Citibank and get better everyday banking. The fine print says The cash bonus for which you qualify will be credited to your account within ninety days from the end of the month in which you complete all Offer requirements. 
On XX/XX/XXXX, my firm opened an account at the XXXX Branch and deposited the sum of {$52000.00}. The Citibank employee was a Mr. XXXX. On XX/XX/XXXX, I visited the bank to determine the status of the promotional bonus offer by the Bank, Needless to say, confusion and ignorance surrounded the matter, and it was obvious it was a Citibank scam. Today, XX/XX/XXXX, now 6 months, with {$52000.00} idling at Citibank, the Promotional Bonus has not been paid. Two days ago, I received one of a series of form letters, all signed Sincerely Citibank Business Operations, stating that my inquiry is under investigation, etc. etc. 
For the few of us that pay attention, and after witnessing the XXXX XXXX scam, resulting in that CEO being banned from banking for life, big banks see their current banking methods shunned by big business, are actively targeting small business and the Consumer with these deceptive and dishonest tactics to generate business. Citibank has now gone from Predator to Parasite. The XXXX office functions like a social service office with sign-in and sit-and-wait to deal with people who have no decision authority on any matter. As in the XXXX XXXX case, the deceptive practices are executed with ambiguity and dishonesty. Citibank should be investigated for its deceptive and dishonest banking methods. 
I want Citibank to investigate and fulfil the promise inherent in their promotional letter to my firm. I would refrain for notifying the Office of the Comptroller of this matter, in anticipation of the prompt correction of this deceptive tactic. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX, Pres & CEO Citigroup Inc . 
XXXX XXXX US Head of Small Business Citibank, N.A

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 2020-02-11 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2020 I provided a letter to TD Bank , N.A . Card Services Department, hereto referred as TD Bank, to dispute an amount that I believe to be in error on my statement. This letter provided my account information, dollar amount and a description of the problem which is requested per the TD Bank Credit Card Agreement, hereto referred as the agreement, and in accordance with the Fair Credit Billing Act ( FCBA ) Public Law 93-495, H.R. 11221 15 USC 1601-1666. After I sent this dispute in accordance with both federal law and the agreement TD bank sent me a letter dated XX/XX/2020. This letter stated that I requested a credit report amendment, however I have not made any requests for such amendment recently. The letter also states to call TD Card Services, customer support at XXXX. I called the number provided as well as used the app to call in and was on the phone for 2.5 hours today XX/XX/2020 without any avail or help with the letter that I received as indicated. 

One representative informed me that the letter was in response to the dispute that I sent in on XX/XX/2020 however the dispute does not mention anything about a credit report amendment. A later representative informed me that the dispute that I sent in on XX/XX/2020 was closed without any action taken because I did not list a specific transaction, however both federal law and the agreement both specifically state that only a balance needs to be provided and not a specific transaction. By not accepting a dispute due to an internal policy is a violation of federal law and a breach of contract. I was untimely transferred more than 6 times and landed with Risk Management who provided me a number to what she called Military Lending Department XXXX which was only a recording of a TD Bank policy and then the line disconnected. I called the Military Lending Department at the number provided several times and it all ended with the phone disconnecting with no option to speak with a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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:
Fair Debt Collection Practices Act ( FDCPA ) Violations The Justice Department today announced that XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) has agreed to pay over {$2.00} million to resolve allegations that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to 492 servicemembers who lawfully terminated their motor vehicle leases early. 

A XXXX XXXX XXXX access code was used to steal the personal information of roughly 5,000 consumers, leading the bank to conduct a full-scale inquiry into the data breach

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 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I previously requested an address to send a notice of small claim suit to Wells Fargo via a prior CFPB complaint, Wells Fargo rep by the name of XXXX XXXX replied stating to refer to my local small claims court which does not have the address to mail such a notice, it appears he is refusing to provide it. Further, information was reported to IRS by Wells Fargo showing an amount of {$5100.00}, a 1099 notice was received from Wells Fargo reporting this amount to IRS as paid to me. This amount appears to be from a settlement check which was not received and this was stated in prior CFPB complaints, not addressed. I requested Wells Fargo correct this information with IRS, however, it appears they will not as I was directed to IRS.. IRS rep stated Wells Fargo needs to correct this information.. XXXX refers to a letter dated XX/XX/XXXX which also does not address loss of check ... .The amount of which, {$5100.00}, represents a settlement amount of {$3700.00} including IRS taxes. However, the check was not received, appears intercepted by another party, my signature forged. Since Wells Fargo does not appear to be interested in resolving matter, I requested an address to send a notice of small claim suit. The matter includes the issue of lost/intercepted check, offer amount low-balled, continued sustained damages due to information reported to XXXX   XXXX  XXXX which was not removed prior. I spoke with a XXXX XXXX with mediation on XXXX, he was explained no payment received and the offer amount appears to have been low-balled, signature forged on check, continue to sustain damages due to information reported to XXXX, ( XXXX XXXX XXXX ). He denied all three facts and did not seem to be willing to re-negotiate.

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 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
THEY REFUSE TO PROVIDE PAYOFF FOR A REFINANCE. I sent an authorization for payoff on 4 occasions each time they open a " ticket '' then close it without providing the payoff. They requested I change the name on the payoff as my name changed after marriage I have sent everything they have requested and they will not supply it. I sent the first payoff request with my new last name on XX/XX/XXXX. They said the wanted it my old last name sent it on on XX/XX/XXXX then again on XX/XX/XXXX the final one was sent on XX/XX/XXXX. Each time they close the ticket without response. I call in and they say a manager will call me back as they are all busy and no one ever calls back. If you ask to be routed up to a manger they are always busy. If you ask for the payoff department you are told they do not have a direct line.

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 2020-02-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax ran my credit report on Sunday XXXX XXXX and there were 2 items on it that was incorrect. Two credit cards that have a XXXX balance they reported it with a balance. The first is XXXX/XXXX  they have it at a balance of {$280.00} On XXXX XXXX I paid the balance in full. Second XXXX  XXXX/XXXX XXXX they have a balance of {$89.00}, the balance was paid in full on XXXX XXXX. 
I called them today and the women I spoke with continued to repeat herself and said she could not verify me based on the the information I gave her and everything I gave her was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: MO

Complaint narrative:
I Have disputed XXXX  XXXX XXXX three times providing documents and even going lengths to even calling about the negative account that I have no knowledge of or never opened. There has still been no resolution pertaining to the fraudulent account, I have even taken action to freezing my social security because of this infraction. I have also been through a major loss in my family resulting in the death of my sister and have not or wouldn't have been able to create an account in the area it was made in because I moved for awhile I told the rep who was unable to assist or help me with this issue. 
Below is the account that needs to be deleted. 
XXXX  XXXX XXXX - XX/XX/2018 AMOUNT 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 2020-02-11 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:
Fair Debt Collection Practices Act ( FDCPA ) Violations The Justice Department today announced that XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) has agreed to pay over {$2.00} million to resolve allegations that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to 492 servicemembers who lawfully terminated their motor vehicle leases early. 

A XXXX XXXX XXXX access code was used to steal the personal information of roughly 5,000 consumers, leading the bank to conduct a full-scale inquiry into the data breach

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 2020-02-11 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:
Fair Debt Collection Practices Act ( FDCPA ) Violations The Justice Department today announced that XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) has agreed to pay over {$2.00} million to resolve allegations that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to 492 servicemembers who lawfully terminated their motor vehicle leases early. 

A XXXX XXXX XXXX  access code was used to steal the personal information of roughly 5,000 consumers, leading the bank to conduct a full-scale inquiry into the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
In XX/XX/XXXX my wife signed for a personal loan to consolidate debt. The original amount of the loan was {$12000.00}. A few months later I was laid off and we were unable to pay our bills. The account was charged off. The debt was purchased in XX/XX/XXXX by a company called XXXX XXXX. XX/XX/XXXX they filed a judgment. They hired a law firm, Scott and Associates, to collect the debt. Last Thursday, XX/XX/XXXX, Scott and Associates seized our joint XXXX XXXX checking and savings accounts, taking the funds we had in our accounts without any notice. I first called XXXX XXXX who would only speak to my wife. They said the accounts were legally frozen. I found a phone number attached to the transactions through online banking access and called Scott and Associates to learn more ( XXXX ). I reached a woman named XXXX XXXX at XXXX, who told me her firm had sued XXXX XXXX and would not release my accounts until I paid {$37000.00}. Then she said the firm would be willing to settle for {$31000.00} if I paid immediately. So, the original debt of $ XXXX is now fourteen years old and has somehow ballooned into $ XXXX, and Scott and Associates has unlawfully seized my bank accounts without so much as providing notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: PA

Complaint narrative:
XXXX XXXX has a fraudulent Account and will not remove it from My reprt the account is not mine.

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 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Company has reported a debt collection to the collection agencies in the amount of {$140.00} date of deliquency of XX/XX/2019 for XXXX XXXX. I have disputed with XXXX and XXXX and they have reported that it is verified. I have reached out to the Caine and Weiner and they provided a " past due bill '' Problem is I should not have a past due bill, as I traded both cars and cancelled the insurance. When I received the bill I contacted them and they acknowledged they tried to pull funds from an account that was actually for the next month. I had cancelled so therefore this was not due. Credit Agency refuses to acknowledge my complaint and I also requested their State of Michigan Collection License number as this is required in order to collect a debt in the State of Michigan. If they are not licensed in Michigan they lawfully can not collect and therefore can not place a collection on my report. They have not acknowledged my dispute whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
A couple of weeks ago, I saw on my XXXX credit report that a derogatory account had been submitted by Alpine Credit Inc on XX/XX/2020 in the amount of {$370.00}. To date I had not received any communication about a debt being owed either from them or the original creditor. 

Around XX/XX/XXXX, I phoned them and asked that they email me an invoice for the debt as I had received nothing so far. They had my correct address on file, which seemed odd. The person said they " normally didn't do this '' and so it would be a few days. 

On XX/XX/2020 I received an emailed " invoice '' from XXXX XXXX XXXX XXXX for a XXXX XXXX and something I couldn't interpret. Alpine passed this invoice off as XXXX 's. However, I noticed two things - Associates was spelled wrong and my current address was on the invoice. Since I had never seen this bill before nor ever had a XXXX XXXX I was pretty sure this couldn't be correct and was doctored by Alpine. 

On XX/XX/XXXX, I contacted XXXX and they confirmed that the patient had the same first and last name. The birthdate was similar, but not the same as me. They also had my address as in XXXX ( where I've never resided ) at a PO Box . They did NOT have my address. They verified that this was NOT me. 

On the same day, I called Alpine where I was very rudely treated until, of course, they confirmed that my last 4 SSN did not match this person. They said that they would contact XXXX, but I have yet to hear back. 

The reason that I am reporting Alpine Credit , Inc is because they. 
1. Egregiously reported me to the credit reporting agencies even without matching the birthdate, ssn, address, etc. Isn't there minimal matching criteria? I now must spend even more time rectifying this. 

2. Sent me a FAKE invoice, which I believe violates FDCPA ( among probably other laws ). 

3. Even to date ( XX/XX/XXXX ) they have not sent me any communication in writing. I believe within 5 days of receiving my debt they are supposed to notify me in writing? 

I am thankful that I have the time to rectify my credit score. And I certainly appreciate that there is a place where I can file a complaint against places like Alpine Credit that can't even do simple things like match people 's PII before damaging someone's credit and wasting their time. While this may be a " small '' thing I can only imagine how damaging it could be to someone without the time or resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was our mortgage broker. It is reporting as XXXX XXXX. When we had to XXXX we found tenants right away for the first year. The second year we were struggling to find a tenant. I called into XXXX XXXX XXXX XXXX XXXX to defer the payment for XX/XX/XXXX and XX/XX/2017. Once we got tenants in I called back and paid XX/XX/XXXX and XXXX in XX/XX/2017. The first amount was for {$2300.00} on XX/XX/2017 and the second amount was {$1500.00} on XX/XX/2017. They reported that I was late making the payment for XX/XX/XXXX and   XX/XX/2017. I have disputed the claim that the payments were late through the company several times over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: OH

Complaint narrative:
My XXXX Credit Repot has a Amcol Systems Inc. reporting a debt from XXXX XXXX XXXX for a debt of $ XXXX. I had a case in litigation in Nevada Appeal No. XXXX Claim #  XXXX which just settled and I was waiting on a settlement check from XXXX XXXX. I was just able to cash the check and had planned on paying the bill owed in the case until I saw that Amcol Systems had lowered my credit score by the information they place on my credit report earlier. I do not believe they should have been able to place anything negative on my credit report while the case was in litigation. Until they had contacted me and understood the case was in litigation. I believe they violated the Consumer Protection Act. with their reckless acts and have put adverse affects on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: PA

Complaint narrative:
XXXX XXXX  has a fraudulent Account and will not remove it from My reprt the account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am not able to retrieve a credit report by using my tax identification. I do not have a social security number. I contacted all three credit bureaus [ Transunion, XXXX, and XXXX ]. Customer agents could not provide me with a credit report via mail.

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