vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello, This is ridiculous and inhumane! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am as never notified about this debt, I was made aware when I was doing a mortgage loan. They were contacted and they refused to remove the info from my credit report even if I paid the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: MA

Complaint narrative:
Hello, This is ridiculous and inhumane! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: GA

Complaint narrative:
I applied for this card through the Citi website specifically because the site showed they would waive the {$99.00} membership fee the first year. The fee showed up on the first statement at which point I tried to resolve it with them via app chat, phone calls and social media. I was told the offer was not available at the time and to provide proof that was the offer when I applied. I sent them screenshots of their own website which showed the offer to waive the membership fee for the first year. They claimed that the website had changed since I applied and offered no proof of that claim. This has been the standard offer they advertise on their site for as long as I looked into getting the card and is still there. It took me many hours and phone calls to try to resolve this. I incurred a late fee while trying to resolve this with them. They refused to waive either the membership fee - which is what they advertise on their site and which is what I applied for - or the late fee and I was forced to close the account.

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 2020-08-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Equity Advantage Holdings, Inc.
State: MA

Complaint narrative:
Hello, This is ridiculous and inhumane! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-08-27 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: MD

Complaint narrative:
A debt posted to my credit report by XXXX in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020. They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter. Upon further investigation, I realized this was a debt I disputed with the same company years ago. They could not provide proof and removed it off my credit report. It is unbelievable that they would dare post the same debt twice without fear of repercussions. I disputed the debt with the collection company via the CFPB platform who responded on here that they could not find my name in their system. But their address and phone number is what is posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Golden Title Loans LLC
State: TN

Complaint narrative:
XX/XX/2020 I was woken up to a text from someone from XXXX saying they verified my unemployment and it was deposited into my account and the exact dollar amount it was. I never notified them that I was receiving unemployment Which means they took it upon themselves and used my personal information and went on unemployment website and verify income that I didnt report to them. They text me trying to threaten and Intimidate me about a XXXX payday loan. They continue to go back n forth with me very unprofessional I have names of those people but I feel intimidated I really do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
First Citizens Bank had a checking sign-up bonus promo of {$500.00} : " Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : - Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days - Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening - Open a new savings account '' The timeline for me is : - Opened and funded checking + savings accounts on XX/XX/XXXX with combined balance of {$15000.00} - Completed 10th debit transaction on XX/XX/XXXX I called the bank multiple times to inquire. One rep told me I qualified but would have to wait for the bonus to post. Other reps told me they would look into it, but never got back. I would like my {$500.00} sign-up bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27 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 — Investigation took more than 30 days
Company: U.S. BANCORP
State: CO

Complaint narrative:
My girlfriend and I both have a mortgage loan through U.S. Bank. She filed bankruptcy last year and was discharged in XXXX of XXXX. I was not part of the bankruptcy at all and had no involvement. After the bankruptcy our mortgage company has stopped reporting for her on the mortgage payments which I understand ; however, they have also not reported positively on my credit which as affected me negatively ( I can not get approved for any other loans because my mortgage isnt reporting my on-time monthly payments ). All of the research I have done states that mortgage companies have to report for non-filing borrowers. 

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 2020-08-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-08-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We went on the Wells Fargo Website and transferred money on XX/XX/2020 from XXXX, the money was taken from our XXXX XXXX XXXX XXXX account, however, it has not been deposited into the bank account. Wells Fargo has the funds and should be required to deposit those funds within a very short time frame. They should not be able to use money that is not theirs while assessing overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DRB-40, LLC
State: SC

Complaint narrative:
My husband was contacted by phone this morning by a representative of Diversified Recovery Bureau who purchased my debt from XXXX XXXX. My husband and my finances are separate I never list him as a contact on any financial documents. The lady that called his phone asked for me he advised her that he was at work and I was not with him that she should contact my phone. She proceeded to tell my husband that if he provided my date of birth that she could tell him what is going on. He declined and advised her that it was none of his concern and that he should contact me. The lady proceeded to ask my husband " dont you want to know whats going on? Thats your wife? '' He again advised that it was none of his concern and that she should contact me and hung up. I am well aware what she did is unprofessional and she was wanting to provide my private information ( my husband is nowhere listed on the loan, neither as a co-signer or someone obligated to pay my debt ). I contacted the company and requested to speak with a Manager. I do not feel like this helped. If this is the way they are doing business they are violating my privacy rights, and who knows who else they have done that to and they are not aware it is lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Called step daughter about debt owed. The only reason they can call relatives is to locate the primary person. We have not moved or changed numbers in years. Illegal collection tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a Chase Sapphire Reserve card. I purchased five cameras from an online merchant, but only received four. I provided documentation confirming this in the form of a packing slip, which indicates I was only sent four cameras. My dispute was denied without reason, the only reason being that they " thoroughly reviewed '' all the information and based on that determined that no billing error occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27 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: AZ

Complaint narrative:
Citibank not pay the merchant. 
I would like to see the responses made by the merchant. 
I would like to be informed why Citibank decided in favor of the merchant Citibank resolved the issue two days after I filed a complaint on the site. Prior to that, it claimed that the issue was still being reviewed and two days later, all of a sudden, they resolved it in favor of the merchant. I had been attempting to get them on the phone but each time, i was disconnected. I sent messages and got no response. When I looked on the site for messages, there was none. But at the top left corner of the billing statement, there was a message saying that the issue is still being reviewed. I sent them a big packet of documents and photos of the issues I had referenced to. I doubt they even looked at it. I feel that the decision is unfair and I would like the dispute reopened. The bank did not inform me of the merchant 's response nor did they even acknowledge that they received the documents I sent. 

To me, the money involved is a lot of money.

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 2020-08-27 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: GA

Complaint narrative:
Theres an account on my file that needs to be removed the company is aware but they are needing this attached that is to this complaint to fix the issue there system is not working so they can not removed the file

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 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
this is unresolved, credit card opened last XXXX and used in 3 months in excess of XXXX in order to get {$200.00} bonus. You dropped the case but it is STILL UNRESOLVED. Bank of America, they refuse to respond. This has been going on since XX/XX/2020.

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