vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 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: CA

Complaint narrative:
Citibank recognized fraudulent cash withdrawals on my debit card on XX/XX/XXXX and contacted me over the phone. They assured me that the charges would not post, and they issued me a new card. 

When I received the card and was able to check my account, I noticed that the charges did post and Citibank had no record of ever contacting me. 

They also mentioned that someone had attempted to contact them using my identity, but they failed to tell me until I contacted them several days later. 

The fraudulent cash withdrawals were over {$1200.00} USD. I have attached snapshot of transactions with highlighted fraudulent withdrawals. I subsequently spent several hours on the phone to report this ( Case XXXX 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 monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have always had on-time payments and I recently checked my score and became aware that last year in XXXX there was a late payment. I have not changed the auto-pay date on my account so there must have been an error with the payment system or auto-pay. I have been paying everything from auto-pay since I got the card, and I was never sent anything about a late payment or a notice of the late payment to file a complaint about it.

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 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NE

Complaint narrative:
I went to open a checking account and was denied because of the information contained in my ChexSystems record. It says I owe money to XXXX XXXX for a checking account. I've never opened any type of account with XXXX XXXX. I disputed the information and never received any response from ChexSystems yet the incorrect information remains on my ChexSystems report.

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 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I have a loan with Santander. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX & XXXX  and Santander with no successful resolution. XXXX, XXXX  & XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
Well all together I think I'm in debt about 3,000 well sadly 2 years ago I lost XXXX  apt in a fire and all 5 of my cats I had 11 years from babies passed away ive had to move back to XXXX  cause I had no where else to go XXXX  job don't offer insurance so I got on medacaid and don't understnad why they can't help me in still struggling living out of a suitcse then today I lose my car motor locked up so now I'm having to walk to and from takes me ablut 45 mins in the freezing cold I can't affors to pay these off nor afford a payment plan they wanted 50 or more a month but I can only afford about 20 and they wouldn't accept it so I'm stuck so deep in a hole idk I can get out of

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I closed my credit card on XX/XX/XXXX after getting fradulent recurring charges appearing on it even after reporting the issue everytime and then getting the card blocked to get a new one. 
While closing the credit card, I had yearly membership fee of {$500.00} for the year XXXX along with {$65.00} worth of purchases I had made. I was told that after I pay the purchases, I can cancel the card as the fees will be reversed. Now after being charged interest and late payment fee on the yearly membership fee, the oustanding amount has reached {$610.00}. On every call with customer care, I have been told that the issue has been handled and that there is no action needed from my end. But still every few days, I get call/email asking me to pay the outstanding. Today after being on call for 50 mins where I was transferred from collections dept to customer care and then to security and then back to customer care, the issue remains the same. 

I finally got hold of customer care representative over chat and he mentioned that I will have to pay the fee which will then get refunded. I asked him to provide me this in writing because this was not told to me when I cancelled the account, to which the person said that because of security reasons they can not give this in writing. I have taken screenshots of the said conversation as evidence because no one seems to be willing to answer/clarify but rather seem to be interested in bouncing off the calls from one department to another.

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 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
On XX/XX/2019 I had disputed a debt collection from I C Systems. The debt is not mine but and the account was opened under a similar name. I tried to explain this but the dispute came back unsuccessful.

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 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
I have asked thos company to show me what this debt wa for & not given imformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
https : //www.firstrepublic.com/bankingonline website is broken. It's been several weeks now and First Republic Bank still refuses to respond to my communications reporting the problem. 

After login credentials are inputted, it hangs on a blank page. This happens with multiple browsers including XXXX and XXXX. It used to work OK and nothing has changed on my end, so something broke on First Republic Bank 's side. 

Could CFPB please help me get First Republic Bank to ( a ) respond to my communications, and ( b ) fix the issue with their web site? Thanks!

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 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
The collections company refuses to honor a letter direct from the company clarifying that there was never a debt on my account associated with my social security number. I had a perfect payment history. 
I've never had any debts go to collections and I am adamant about strong credit history. This error is false and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: AZ

Complaint narrative:
I have contacted Experian on three different occasions I advised them that I have been a victim of identity theft I provided them a police report and told them that the XXXX account is not mine and I didnt authorize this account I also advised them of inquiries that were not mine. The XXXX account is not mine and there refusing to remove it even though I have a valid police report

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 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I do not owe or recognize the erroneous debt of {$2700.00} which National Credit Systems have been reporting on my credit profile with the credit bureaus and have woefully ignored and failed to validate my request to legally validate my request per Section 609 of the FDCPA ( Fair Debt Collection Practices Act ) or delete it with deliberate speed. 

Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: SC

Complaint narrative:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES ( XXXX  XXXX  XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems
State: NC

Complaint narrative:
I have paperwork that i have sent to the company an also XXXX. 
Numberless of times I ask for validation of Debt The creditor has refuse to send me a copy of the original contract with my signature bearing Is that do not belong to me Ive spoken with Credit or today via phone on XX/XX/2019 The president of the company stated he doesnt have to provide me with a contract that is tying me to this dead. He told me he sent a letter out to Meme and I never received a letter but he said he is not required to spend money to send anything to me certified mail to be sure that I got it. Ive asked XXXX  To validate the debt Not through email but certify mail because through email or fax any could fraudulently post things on my credit report. They have also fell me to please help. I also asked the company not to call my phone again after I spoken with the president of the company he said that he can call me when he wants when is concerning this Deb and he called me back I have proof They are telling me that the debt is accurate but not telling me how the devil is accurate theyre not giving me any information and has failed to respond to my dispute request providing me with the information I requested of them

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 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a loan with JPMCB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both 3 Credit Bureaus and JPMCB with no successful resolution. 3 Credit Bureaus reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: CA

Complaint narrative:
I disputed the transaction on XX/XX/2019 for {$290.00} with XXXX  XXXX  XXXX. We returned the whole order within the return period of 90 days on XX/XX/2019 via XXXX XXXX " XXXX ''. The carrier indicated the package was delivered. But we never received the refund, and citi bank charged us back for the returned item.

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 2019-11-12 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: NC

Complaint narrative:
I have contacted Experian For allowing unverified information being reported to my credit report I asked Experian to verify and make sure that the information was correct I asked experience to provide me with the original contract with my signature and experience has failed to do so. XXXX XXXX XXXX is refusing to provide me proof of accuracy of the Debt they say I own

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 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received my credit reports from XXXX and XXXX, that have negative items that are inaccurate due to identity theft. The charge that is in question is from a collection agency, Midland Funding LLC. I have no knowledge of this amount of debt or the original creditor XXXX XXXX. I'm asking the companies to please validate the charges and account belong to me, which I believe does not belong to me. 
I received the XXXX  on : XX/XX/2019 I received the XXXX  report on : XX/XX/2019 Both reports have several inaccuracies that have been disputed but keep coming back as verified, which they are not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: MS

Complaint narrative:
i recently disputed this account because their are so many errors reporitng on this account. i have pointed out numerous times what is wrong with it such as the credit limit and so much more. I am seriously trying to purchase a home and because of their mistakes i have been wrongfully denied. please help me fix this issue. 

THEY HAVE ALSO REPLACED A COLLECTION THAT WAS REMOVED FROM MY CREDIT PROFILE WITHOUT NOTIFYING ME FIRST, i have read in many books that this is against the law. The account in concern is " XXXX XXXX *Orginal Creditor 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 2019-11-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
in XX/XX/2018 I went to XXXX XXXX  to have missing and infected XXXX  treated, was told to apply for Care Credit to pay part of my treatment payments.XXXX XXXX  applied on my behalf and approved {$1500.00} credit.my XXXX  work was never completed while I was making payment and up to this day XXXX XXXX refuses to correct the problem. I contacted Credit care to let them know no future payment will be made because i am not satisfied all they did was forward me the bill from XXXX XXXX  stating that services were performed

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 2019-11-12 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: MS

Complaint narrative:
i recently disputed this account because their are so many errors reporitng on this account. i have pointed out numerous times what is wrong with it such as the credit limit and so much more. I am seriously trying to purchase a home and because of their mistakes i have been wrongfully denied. please help me fix this issue. 

THEY HAVE ALSO REPLACED A COLLECTION THAT WAS REMOVED FROM MY CREDIT PROFILE WITHOUT NOTIFYING ME FIRST, i have read in many books that this is against the law. The account in concern is " XXXX XXXX *Orginal Creditor 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 2019-11-12 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: SC

Complaint narrative:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES ( XXXX XXXX XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: SC

Complaint narrative:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN  CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES (  XXXX XXXX XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL.

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I got sick on XX/XX/2015 and went to the hospital for 30 days. I took the ambulance to the hospital so I think thats what the debt is for. Ive tried to contact them numerous times to set up a payment plan of some sort, but they always would say to me that it isnt enough money per month.

Company response to consumer: Closed with explanation