vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: KS

Complaint narrative:
XXXX XXXX offered a {$300.00} bonus for opening a new consumer checking account in a branch between XX/XX/2019 and XX/XX/2019. The two other requirements are 1 ) completing 2 or more direct deposit of {$2000.00} minimum in total within 60 days of opening account and 2 ) enroll in XXXX XXXX   online banking before XX/XX/2019. I did open the easy checking account on XX/XX/2019 in local branch using the promo code as advertised and enroll in online banking the same day. I've completed 3 direct deposits and the total amount is around {$2500.00} by XX/XX/2019. So clearly I already meet all the requirement. However, I haven't received the {$300.00} so far. I tried to contact the XXXX XXXX customer service but they sent me back and forth to various different departments and finally directed me to contact the local branch. But the local branch just said I need to contact the customer service to ask for the bonus. Now it goes to an endless loop and nobody in the XXXX   XXXX will help me solve that issue.

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 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everest Receivable Services Inc.
State: AR

Complaint narrative:
Continuous calls for XXXX XXXX beginning on XX/XX/19 from XXXX, after blocking this number, the calls started coming from XXXX. All calls are from the same individual who claims his name is XXXX XXXX and he needs to " ensure the proper delivery of required documentation his company requires '' and also he claims " if the information can not be verified to return the call back so my records can be updated ''. 

Well I tried to call and was subjected to a computerized system that attempts to glean information from the caller. NO THANKS! 

After filing a complaint with CFPB case # XXXX, against XXXX XXXX XXXX XXXX XXXX, Everest Receivable Services Inc. started calling. I suspect XXXX pushed this to Everest after making the CFPB complaint. 

I'm including my prior complaint with CFPB attached.

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 2019-09-24 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I called XXXX XXXX XXXX  to try to fix the problem and they have looked into it and found out the location of where the account was open and that it wasn't my self that that open the account due to inaccuracies.I assumed it was cleared off my credit report obviously it has not been removed. The date i notice it appeared on my credit report was friday XX/XX/XXXX XXXX very next day which was saturday XX/XX/2019 i put fraud protection and freezing on the 3 credit bureau .

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 2019-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I keep getting credit card offers from capital one saying I am pretty approved by after they run my credit it say I ain't this has been going on for a while now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B 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 non-monetary relief
Consumer complaint received 2019-09-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My compliant is against Synchrony/Gap account # XXXX, date open XX/XX/2014, status closed and paid, {$0.00} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX of this year I received a letter from Capital One informing me that my Venture One credit card account was to be closed. The reason cited was lack of use of the card. Prior to this I had received no notification from Capital One that my lack of use of the card was a problem and that they were contemplating closing the account. The letter I got in XXXX said that my account was now 'suspended ', and effective immediately i would no longer be able to use that card in any way. It went on to advise me the card would be formally 'closed ' in XXXX. The miles/points i had accrued on the card were sizable. However, the primary way to redeem the miles/points was to use the card for travel related purchases and then the miles would be used to pay off those purchases. The problem is that as they had suspended that card without any notice i actually couldn't redeem the miles/points in the normal and most advantageous way. Capital One told me in the letter that I could redeem my points/miles via a secondary mechanism by trading them in for 'gift cards '. The problem with that is that the value of the points/miles is effectively halved by cashing them in this way vs. purchasing travel related items on the credit card. I have called Capital One numerous times asking them to un-suspend the card for a small period of time ( 24 hours ) so i can make travel related spend and redeem the points/miles for full value. Capital One absolutely refuse to do this. So, in essence they are taking away from me half the value of the points/miles i have earned through years of spending on their card. I need your help to get this resolved amiable and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I spent hours on the phone with all 3 bureaus today and that gets you no where. All 3 bureaus are intentionally withholding or suppressing information from my credit file on purpose to keep my score from going up. They MUST BE STOPPED. 

My cousin in Florida added me to his XXXX account as an AUTHORIZED USER and here is the proof that the bureaus are lying. I have a credit monitoring service and last week and over the weekend I got an alert that a new address had been added to my file which is my cousins address and the address on his credit card. The bureaus each told me today that XXXX had not reported anything to them, but they are liars because if that were the case then the address would not have been reported. 

The bureaus are refusing to report a perfectly good tradeline to my credit file because they are intentionally trying to hold my credit score down or they are XXXX off that I have warned them that I will file complaints on a weekly basis to hold them accountable for the laws that they are breaking. There evil, law breaking ways need to be corrected. They need to be investigated and fine heavily for what they are doing. 

My cousin and I just called XXXX and they provided me 100 % proof that they have reported the tradeline to all 3 bureaus but the bureaus are refusing to report it. I want them fined and I want that trade line posted 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 2019-09-24 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 compliant is against XXXX/XXXX account # XXXX, date open XX/XX/2014, status closed and paid, {$0.00} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!

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 2019-09-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My compliant is against XXXX Account # XXXX, open XX/XX/2015, status closed and paid, {$0.00} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!

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 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
The last time I had cable was back in early XXXX and to be honestly I remember sending last payment and returning equipment. Opened date shows as " XX/XX/XXXX '' when even if it defaulted the date should show sometime in early XXXX. I have disputed and asked for proof but they came back and stated " meets FCRA requirements '' with no proof. I'm not sure if this was a result of some type of identity theft or what?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
This letter is regarding account You claim I owe {$990.00}. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including  XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I spent hours on the phone with all 3 bureaus today and that gets you no where. All 3 bureaus are intentionally withholding or suppressing information from my credit file on purpose to keep my score from going up. They MUST BE STOPPED. 

My cousin in Florida added me to his XXXX account as an AUTHORIZED USER and here is the proof that the bureaus are lying. I have a credit monitoring service and last week and over the weekend I got an alert that a new address had been added to my file which is my cousins address and the address on his credit card. The bureaus each told me today that XXXX had not reported anything to them, but they are liars because if that were the case then the address would not have been reported. 

The bureaus are refusing to report a perfectly good tradeline to my credit file because they are intentionally trying to hold my credit score down or they are XXXX off that I have warned them that I will file complaints on a weekly basis to hold them accountable for the laws that they are breaking. There evil, law breaking ways need to be corrected. They need to be investigated and fine heavily for what they are doing. 

My cousin and I just called XXXX and they provided me 100 % proof that they have reported the tradeline to all 3 bureaus but the bureaus are refusing to report it. I want them fined and I want that trade line posted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I spent hours on the phone with all 3 bureaus today and that gets you no where. All 3 bureaus are intentionally withholding or suppressing information from my credit file on purpose to keep my score from going up. They MUST BE STOPPED. 

My cousin in Florida added me to his XXXX account as an AUTHORIZED USER and here is the proof that the bureaus are lying. I have a credit monitoring service and last week and over the weekend I got an alert that a new address had been added to my file which is my cousins address and the address on his credit card. The bureaus each told me today that XXXX had not reported anything to them, but they are liars because if that were the case then the address would not have been reported. 

The bureaus are refusing to report a perfectly good tradeline to my credit file because they are intentionally trying to hold my credit score down or they are XXXX off that I have warned them that I will file complaints on a weekly basis to hold them accountable for the laws that they are breaking. There evil, law breaking ways need to be corrected. They need to be investigated and fine heavily for what they are doing. 

My cousin and I just called XXXX and they provided me 100 % proof that they have reported the tradeline to all 3 bureaus but the bureaus are refusing to report it. I want them fined and I want that trade line posted 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 non-monetary relief
Consumer complaint received 2019-09-24 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: DISCOVER BANK
State: PA

Complaint narrative:
I was notified that there were two past due {$15.00} charges on my Discover Card. I haven't used that card since XX/XX/2017. 

I tried to login to the Discover website and learned that my account had been compromised, and my login information and phone number had been changed. 

I reported the fraud to Discover and they issued me a new card, but as of yet they have not removed the fraudulent charges. This shows up as past due on my credit and it has brought my score down by 70 points. 

I have tried resolving this 4 times over the past two weeks. They shuffle me to different people each time, but no one has removed the charges as of yet. Just now I called again and was told that their supervisor was in a meeting and may call me back later today. If not, I should try again in a few days. 

Discover isn't doing anything to resolve this issue of fraud and I'm frustrated with the back-and-forth nature of being passed around during phone calls. They already established that someone fraudulently accessed my account. It shouldn't be this complicated or time consuming to get the charges removed.

Company response to consumer: Closed with monetary relief