vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 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: TX

Complaint narrative:
Citi bank was offering a bonus offer of 60,000 XXXX XXXX miles if you open an account, deposit {$1000.00} and spend {$1000.00} with 90 days of account opening. 

I opened the account on XXXX XXXX and deposited {$1000.00} dollars on XXXX XXXX to fulfill the deposit requirement. 

According to a Citi employee i contacted I fulfilled the spend {$1000.00} and therefore fulfilled the required actions within the 90 days on XXXX XXXX. 

In the terms and conditions it states that I should receive the miles 30 DAYS AFTER THE REQUIREMENTS ARE MET Which would be XXXX XXXX. As of XX/XX/2023 I have not received the miles I am owed. 

It also states that XXXX deposits are allowed for the {$1000.00} deposit amount. 

I have contacted Citi Multiple times and the dates keep getting pushed back as to when I should receive the Miles. I also submitted a dispute about the missing miles and responded with an automated message. 

Documents I have attached are : Proof of deposits that equal {$1000.00} via XXXX Terms and Conditions stating that I will be getting the payment of XXXX miles 30 days after fulfilling the requirements. 

Terms and Conditions stating XXXX deposits are allowed Proof from the Citi Employee stating I fulfilled the requirements on XX/XX/2023 and that I should have received the miles by XX/XX/2023 The terms and conditions do not say I will be credit 30 days after the promo period ends it states 30 days after opening account and Fulfilling the required actions. Which I did

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 2023-07-26 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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: MO

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2023-07-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I sent XXXX, Trans union, and XXXX a reinvestigate these accounts : XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I've added tracking numbers for letters, TransUnion # XXXX XXXX # XXXX XXXX # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. I've attached documents.

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 2023-07-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I sent XXXX, XXXX XXXX, and Equifax a reinvestigate these accounts : XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I've added tracking numbers for letters, XXXX # XXXX Equifax # XXXX XXXX # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. I've attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
XX/XX/XXXX - Received a letter from Wakefield and Associates, LLC ( a reported collection agency licensed in Tennessee ) indicating that they were engaged by XXXX XXXX XXXX  XXXX to collect {$390.00}. Requested payment via XXXX. Visit www.wakeassoc.com to securely pay online. Claim to have made several calls to me. 

XX/XX/XXXX - Called Wakefield at XXXX to inquire. They wouldn't provide any information other than that the service was completed at XXXX XXXX XXXX XXXX ] in Illinois on XX/XX/XXXX. I informed them that they had ( i ) my first name wrong, ( ii ) that I don't live in Illinois nor have I been there in 8 years, and ( iii ) that I have not been to a hospital or doctors office in 7 years. I requested more information, which they denied and said I would need to write a letter to receive, and subsequently requested that they stop the claim as they have the wrong person. 

XX/XX/XXXX - Received the exact same letter as received on XX/XX/XXXX, but with an updated amount due of {$1100.00}. No other changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: NV

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to all 3 credit bureaus on XX/XX/2023 regarding information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 60 days and I have not seen any changes. My information is still inaccurately being reported.

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 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC
State: PA

Complaint narrative:
Atlantic Recovery Solutions, emailed me on XX/XX/2023, about an alleged debt, there is no address on the email, I need to have them validate the debt in question, I need to send them this in writing in the mail, they are showing numerous addresses on the internet, I was sick, my daughter called to get the address only, they refused to give it, they also contacted my ex husband about the alleged debt, which I believe is illegal, I need to mail important letter to have this debt validated and can not get the address Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: PA

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2023-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached a letter with accounts that have dispute remarks, I am no longer disputing these accounts and would like the remarks removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: GA

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient bought my loans from Sallie Mae, sold them to a collection firm in XXXX and now I am being garnished from another collection company in XXXX XXXX called XXXXXXXX XXXX XXXXXXXX, even though part or all of these are supposed to be discharged! ( See below ) Sallie Mae has claimed private loans were sold to Navient, then Navient refuses to deal with me, as they were sold off to XXXXXXXX XXXX XXXXXXXX collections in XXXX  XXXX. As per my understanding, the following has taken place and applies to me : To qualify for discharge under the Navient settlement, a private student loan must have been originated between XXXX and XXXX by Sallie Mae ( SLM Corp. ) and must have been charged off by Navient as of XX/XX/XXXX. Additionally, the loan must meet one of three conditions. 

The borrower at loan origination had a FICO score below XXXX and attended a for-profit school or below XXXX and attended a non-profit or public school The loan was used to attend of the for-profit schools included here under # 6. 
The loan originated under Sallie Maes opportunity or Recourse program. 

I did have a FICO score under the XXXX and attended a non-profit school within the time frame of these loans being offered. XXXXXXXX XXXX XXXXXXXX, through Sallie Mae and Navient, is still collecting on these even though this took effect over a year ago! In other words, XXXXXXXX XXXX XXXX jumped on this in XXXX, knowing this was NOT supposed to take place. 

Dealing with this group is very difficult. They never act forthright, use courts to intimidate and bully, collect on my pay through back door means and likely bought this debt for pennys on the dollar, yet are collecting it all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I sent a certified validation letter to Collection Bureau XXXX XXXX on XX/XX/2023. After 30 day no response! I sent a second certified validation letter on XX/XX/2023 it was return back to me. ( return to sender ). It been 50 days. NO RESPOND Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCT : # XXXX {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Midland Credit Management A third party debt collector is reporting inaccurate information on both my XXXX and XXXX reports however it was deleted from XXXX for being inaccurate so the other companies should do the same so that I can get my actual Credit Score I have disputed with you guys several times about inaccurate information on my report as a result I currently am in litigation with XXXX and will attach copies of that as well as screenshots of my credit profile showing 3 different credit scores that make no logical since and I want my REAL SCORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: GA

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
XX/XX/XXXX A fraudulent check for {$5000.00} was cashed by XXXX  XXXX XXXX from our business checking account ending in XXXX with Key Bank. The original check ( number XXXX ) was issued to one of our suppliers ( XXXX XXXX ) on XX/XX/XXXX for {$2000.00}. The person who cashed it electronically for {$5000.00} was XXXX XXXX with contribution written in the memo section. 

XX/XX/XXXX I noticed the transaction on my on line banking and did not recall writing a check for that amount. I spent 3 hrs. with the Key Bank Branch in XXXX and The XXXX XXXX Sheriff, s Dept. getting all of the paperwork in order. At this point, I was told by the branch manager that it should be resolved within 2-3 weeks. 

XX/XX/XXXX Called the XXXX Key Bank branch and they said they had no information. 

XX/XX/XXXX Called the XXXX Key Bank branch ( spoke with XXXX ) She said that she would get back to me ( allegedly in the pipeline ). 

XX/XX/XXXX Spoke with XXXX XXXX XXXX branch ), she said that this had been handed over to the Key Bank Fraud Dept. on XX/XX/XXXX and that it could take up to 90 days to resolve from that date. ( not what I was told on XX/XX/XXXX ). 

XX/XX/XXXX Spoke with XXXX XXXX, XXXX branch manager and she said it should not take that long and she would look into it personally. 

XX/XX/XXXX XXXX said it would be 60 days. 

XX/XX/XXXX XXXX said we are getting close with the fraud money and would keep me posted. 

XX/XX/XXXX Called XXXX, said she would get back to me soon. 

XX/XX/XXXX Called XXXX branch, spoke with XXXX, said XXXX would get back to me. 

XX/XX/XXXX XXXX called, said they were working on it, no real progress. 

XX/XX/XXXX Called XXXX, no response. 

XX/XX/XXXX Called XXXX, no response. 

XX/XX/XXXX Called Key Bank Fraud Dept., XXXX branch. Spoke with XXXX. Said she would get back to me and that we should get the money soon. No return call. 

XX/XX/XXXX Called XXXX Reminded her that it had been 7 months. She said they were working on it and blamed the Key Bank Fraud Dept. and XXXX XXXXXXXX XXXX. 

XX/XX/XXXX Emailed XXXX to remind her that it has been 8 months, no response so that why I am finally taking this route.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26 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: NY

Complaint narrative:
I used my Chase Sapphire Card to charge a flight to XXXX on XX/XX/2023 with XXXX XXXX,. 
I had to cancel the trip due to medical emergency. The Chase ID number for the flight is XXXX XXXX. I called Chase to cancel the flight on XX/XX/XXXX. 

I learned through both Chase Sapphire and XXXXXXXX XXXX  that I am eligible for a refund for my trip because of medical reasons and was told by Chase to send medical documentation to XXXX. 
I did that twice on XX/XX/2023 and XX/XX/2023. 
Chase gave me a case number XXXX And a ticket number XXXX. 
I have been calling Chase Sapphire Travel repeatedly since XXXX XXXX and XXXX and they have not acted in a competent matter to get me my refund from XXXX XXXX. I have to use Chase Sapphire to act as the middle person to get my refund because I booked the trip with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26 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: GA

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief