vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, my SS # is XXXX. I am FILING THIS COMPLAINT TO XXXX XXXX FILE # XXXX I HAVE A FEW ISSUES WITH FURNISHED ITEMS ON MY REPORT! Please send me the name and address of the provider or furnishers providing this data, and the manner in which it was provided so I can conduct my own research with additional legal remedies. FCRA requires a reasonable procedures to assure 100 % accurate the information on my credit report. I request you verify the items disputing without a simple computer generated inquiry, e-Oscar or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. FCRA Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. I DO NOT CARE TO USE Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. PLEASE DELETE THE FOLLOWING UNKNOWN ACCOUNTS :  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: CA

Complaint narrative:
To Whom It May Concern, The reason for my dispute is PLAZA SERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PLAZA SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PLAZA SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PLAZA SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PLAZA SERVICES is in compliance with CALIFORNIA LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PLAZA SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: FL

Complaint narrative:
XXXX XXXX XXXX {$2200.00} charged off in XX/XX/2017 I disputed this account with experian because it didn't belong to me the account is unverified and possible result of identity thief my information was affected by the XXXX been dealing with this for months to no resolution they just keep reporting the same negative information without merit

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 2019-09-20 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: FL

Complaint narrative:
XXXX XXXX XXXX {$2200.00} charged off in XX/XX/2017 I disputed this account with experian because it didn't belong to me the account is unverified and possible result of identity thief my information was affected by the XXXX been dealing with this for months to no resolution they just keep reporting the same negative information without merit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY is held liable as well for defamation and in the state of CALIFORNIA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY is in compliance with CALIFORNIA LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOVERY has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: Colony Brands, Inc.
State: FL

Complaint narrative:
XXXX still hasnt updated my XXXX XXXX account I paid this account.this account is well over 10 yrs old I called to get proof from them to show I paid it but because this account is so old it is no longer in the system. The dispute number for this is XXXX on XX/XX/19. This still shows derogatory/ profit loss

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Clearing House of America, Inc.
State: MO

Complaint narrative:
The original company never explained what this debt was for. I dispute the validity of this debt. I was never provided invoices or other information as to what this debt was about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: PA

Complaint narrative:
On XX/XX/2019 I noticed that I had many fraudulent accounts on my credit report I filed a Identity theft report with my local police department and then notified the credit bureaus. I have received resistance in securing my identity with XXXX and Transunion. They are in clear violation of my rights as a consumer and I have given them all the proof and documentation that I have in regards to this matter. Had I known previously what I know now I would have made the bureaus aware sooner. I have a total of 12 collection accounts, 10 Credit Card accounts, 9 EDU accounts and 1 car loan that I am not responsible for and needs to be removed from my credit 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 2019-09-20 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: EQUIFAX, INC.
State: VT

Complaint narrative:
Equifax has a very old antique system. It locks me out all the time from getting a solid credit report from the equifax site directly. When trying to pull a report, it just spins for a solid 15+ minutes and the end result is an error about " no hit '' Past history shows high level Equifax employees need to resolve this. Attempts to get support from customer service is unreliable and ends up in a " we can't do anything for you '' XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I received a prequalified-to-apply mail from Citibank. On XXXX, I made a phone call to confirm that they will not ask for any type of citizenship or permanent residency documents, since I had heard from two other people that they have asked for those documents from foreign nationals with certain nationalities in the past. The operator replied to my inquiry as : " we will just ask about your nationality in your application and if not a citizen, a social security number, and a state ID or driving license would be fine in case we need to verify your identification. '' I submitted my online application the same day, and in a few days I received a letter from Citibank asking me to provide a US passport or a permanent residence card. When I called their customer service I've been told that for my case I have to visit a Citibank branch. Then the problem is that Citibank does not have any branches in the state of Hawaii, and the closest branch is XXXX miles away. They were only polite to say that we apologize if you called and you were mistakenly misinformed, and refused to remove the hard pull on my credit report. I also don't find it reasonable for a bank to advertise, sending mail offer, to the locations that they do not provide any local services.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I DID NOT REQUEST ANY EXTENDED FRAUD ALERT PLEASE REMOVE ANY AND ALL ALERTS PLEASE AND THANK! WHY DO I HAVE TO KEEP REQUESTING THE REMOVAL OF ALERTS THAT ARE STOPPING ME FROM GETTING A LOAN OR EVEN RENTING A CAR!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX DOB XXXX SS XXXX I would like a update on my last Complaint from XXXX as well. Please remove the following addresses : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE THE XXXX FROM MY FILE. I HAVE NO CLUE WHY THAT NUMBER IS EVEN ON MY 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 non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX of 2019 American Express chose to cancel my AMEX Platinum credit card. In the same month, the company chose to charge its annual {$550.00} membership fee to my account. This amount shows up on my credit report as past due. Annual is defined by one year in the English Dictionary which is defined by 365 days also in the English dictionary. If they canceled this card without my permission, then I am no longer an annual member ( as described by this fee ). As far as I am concerned, American Express does not have anything in writing that states that it has the right to collect a membership fee after they decide to cancel a card member 's membership. What is the point of the annual membership fee if I can not hold this membership for the 12 month period ( as defined by the word annual )? Either American Express can prorate this fee so I that I can pay for the months of 2019 that I was a member and had a valid working card ( defined by a card that is not canceled ) or the company refunds the fee entirely.

Unless American Express can provide proof of a written policy, that it has the right to charge card holders this fee even IF it chooses to cancel their Amex cards, then they need to refund me or anyone else in this position immediately. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: DOLEX DOLLAR EXPRESS, INC.

Complaint narrative:
Twice a month {$58.00} for {$6000.00}. XX/XX/2019, ther service-worker was commited the paperswork undoing and delayed my payment for my plans schedule of summer of the end of the year.

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 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I have no knowledge of this creditor or this debt. I have reached out asking them to stop reaching out to me and remove this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I have no knowledge of this account or the creditor. This is reporting incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I opened a Citi Biz Checking account under a XXXX dollar promo. I transferred money to my account from XXXX 20 days after singing up. The 15000+ necessary for the promo. 

However, Citi took the remaining the remaining 10 days + 1 to have the funds show up. I chatted with Citi rep to make sure I was still eligible for the promo as counting of days would affect whether or not I was eligible and I wanted to confirm before leaving XXXX sitting in the account. I wasn't sure if I was good because the account wasn't open when I applied due to they needed to actually open the account, if the day they opened the account counted or if it was full days, or if I had 30 biz days since weekends cut into transfer time. 


I was informed that I was still eligible for the bonus and that if I left the money in the account I would get the XXXX of the XXXX bonus ( there was an additional XXXX for a direct deposit and I would get that if my direct deposits posted as well ). 

Because of minimum balances for my old account and autopays I had set up, I was charged fees for my other accounts. I thought about transferring the money back before the fees kicked in, but decided against it because the bonus was worth it and I was assured that I would get it. I am sure glad I saved the chat trasncript from them because Citi is really being shiti about the bonus even though I was assured I would get 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 monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This bank treat me horrible Ive apllied so many times No matter what I do their system autimceticolt declined me Ive been applying Since XX/XX/2016 and they still wont approve me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I DID NOT REQUEST ANY EXTENDED FRAUD ALERT PLEASE REMOVE ANY AND ALL ALERTS PLEASE AND THANK! WHY DO I HAVE TO KEEP REQUESTING THE REMOVAL OF ALERTS THAT ARE STOPPING ME FROM GETTING A LOAN OR EVEN RENTING A CAR!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX DOB XXXX SS XXXX I would like a update on my last Complaint from XXXX as well. Please remove the following addresses : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE THE XXXX FROM MY FILE. I HAVE NO CLUE WHY THAT NUMBER IS EVEN ON MY 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 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One 360 closed my checking & savings account for no good reason. They sent me an email saying that they were closing my account and I could no longer bank with Capital One. Ive been with them for years and they randomly decide to close my bank account. The only thing I " did '' was accidentally transfer money from one savings to checking that wasn't there. I called and told them it was an accident but they didnt seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I've gotten calls from these people for the last year or more, so I decided to call back with the reference number they left on my answering machine but it was for someone I don't know. The ref # is XXXX, and she was looking for a XXXX XXXX. I explained to her that that person don't live here and I don't know him, so she said she would take my number out of their system. That was on the XX/XX/19 XXXX but she did not. So I get another call from someone name XXXX, she didn't give me her last name but this was on the XX/XX/19 well she told me the same thing she would remove my number, but the calls are still coming. I get two calls in the morning and I get two in the late evening and their coming from XXXX XXXX XXXX. And sometimes from their outside company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: AL

Complaint narrative:
On XX/XX/2019 I accidently charged my groceries to my Walmart credit card and I cancelled the order and Walmart is giving me the run-around about my refund.

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 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SYNERGY ONE LENDING, INC.
State: FL

Complaint narrative:
I began speaking with XXXX XXXX out of Kansas NMLS # XXXX ( Synergy One Lending Inc XXXX XXXX of XXXX XXXX ) many months ago. He had a lot of promises and professed the best mortgage rates and closing costs compared to others. 

I started a mortgage process on a new condo in XXXX last month. There was a 4 week close time which he said he could handle. As time went on the list of demands for more documents grew. I was quite surprised as the had most any document requested before a contract was drawn and he worked directly for the Lender as well. We asked for multiple extensions as the " new list '' of requested " letters of explanantion '' and Condo documents outstandign was always there. Several times I advised if we keep this up, I will be in default and potentially lose $ XXXX in earnest money already provided. He shrugged everything off as the seller and his agent were unrealistic. I quickly told him, we set up the contract based on what he professed was necessary to close the deal. 

As time to close drew near, the surprise was even more costly. I had asked for A " LOCK NOTE '' to ensire no surprises come closing costs. He assured me that the original document provided was exactly that and I had nothing to fear. A few days before closing, the settlement statement was furnished for me. The closing costs had ballooned to $ XXXX above the original estimates on a XXXX loan. The closing noted that Synergy One Lending was my Lender leaving no possiblity that a mysterious outside source was the culprit. 

Furthermore, i was advised they had no interest to keep the loan either. I feel robbed and cheated. The broker went out of his way to promise a quick turnaround which I feel he had no chance of producing to steer me from other lenders. He made promises in writing to closing cost estimates making him look competitive again to lure consumers to his great deals, but come closing, the costs skyrocketted.

Company response to consumer: Closed with explanation