vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 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: OH

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX   HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2019-12-26 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: OH

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX CARD SERVICES. ( XXXX ) IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR XXXX, ALTHOUGH EQUIFAX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I've been having problems with my account started this year. I was informed that I will not be receiving fees to the account because it will decline it but for some reason this year I've been getting charge overdraft fees a lot. I spoke to many people informing them that the banker who opened my account didn't disclose that I wont be charge any fees. I spoke to many people and all they did was refund the fee but no one help about avoiding the fees and to help me stop getting charge these fees. 

I spoke to a XXXX case # XXXX I specifically told him that I want my card to declined if I don't have enough money and I spoke to him on XX/XX/2019 because he told me he can't reverse any fees and he didn't even assist me with that. I still continue to get charge fees and I want it to stop. I have been lied to and the bank is not doing anything about it. I want all my overdraft fees refunded and want them to decline my debit card if the funds are not there.

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 2019-12-26 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: OH

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX CARD SERVICES. ( XXXX ) IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR TRANSUNION, ALTHOUGH EQUIFAX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2019-12-26 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: OH

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX CARD SERVICES. ( XXXX ) IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2019-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Instarem PTE Limited
State: GA

Complaint narrative:
This is my 4th complaint! .. company close complaint each time without answering to the point.. looks like clear delay n discourage tactics.. Either they do not understand the complaint or simply doesnt want to answer.. 

My personal data is held hostage by company and company is not disclosing specific points as to what regulation mandates to keep personal data held up when there was no monetary business as the transaction was just a sign up to digital service..

I seek below very very specific info from the company this time. I do not need timeline of past interactions directly with company 1. Copy of terms n conditions where I consented 2. Any federal guidelines very specifically asking to retain personal records when there was no monetary transaction?

3. What is the guarantee that the personal data is not cross sold?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened up checking and saving accounts with Citi bank a year ago with a {$400.00} USD account opening sign-up bonus. But I have never received such bonus in my account. I have submitted my XXXX and W-9 forms more than 4 times in the past year according to their instructions including where it should be sent to, what fields should be filled out, what supporting documents should be included etc. The last W-9 form I submitted was mailed out on XX/XX/2019 with USPS tracking, and it was received on XX/XX/2019. As I called the customer service on XX/XX/2019, they claimed that my tax status is still not certified and asked me to send a W-9 form once again. Now I am doubting that the Citi bank just mainly does not want to redeem the account opening bonuses as promised, and all the back and forth of the form submission and review are not transparent and are very suspicious.

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 2019-12-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX pulled my credit without my authorization even though I have a fraud alert which is to prevent unauthorized access to my credit 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 2019-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This debt is not mine and this company continues to call me and harass me. The following calls from XXXX have come in at the following dates and times : XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  The call is for XXXX XXXX and they are from Commenity Bank. They have left several voicemails. I have also answered and told them that they have a wrong number. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
On XX/XX/2019 EXTER FINANCE LLC pulled my credit without my authorization even though I have a fraud alert which is to prevent unauthorized access to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: AL

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX pulled my credit without my authorization even though I have a fraud alert which is to prevent unauthorized access to my credit 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 2019-12-26 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In late XXXX as I was leaving my Delta flight at XXXX XXXX airport, I was approached by a XXXX employee who told me about a XXXX mile bonus offer from American Express. I applied on one of their computers at the terminal and was approved on the spot. I was told I would receive XXXX bonus miles after {$2000.00} in purchases in the first 90 days. A week later I received my card and started using it. 

I contacted American Express today to enquire about the bonus miles and was told I do not quality for that offer. American Express NEVER notified me that I did not qualify for the bonus offer. If that was the case, they should have notified me upon approval. They approved me for a card under certain terms, and now they are not honoring those terms. That is a FRAUDULENT, MISLEADING, DISHONEST business practice, very much like the infamous " BAIT AND SWITCH. '' It hurts me as a consumer to have opened one more  credit card account that I will not use. I was encouraged to open this account to receive the bonus miles. I complied, followed all the rules and now I am told I do not quality. 

To make matters worse, American Express charges {$100.00} per year for the card. This looks like a fraudulent business practice to get people to apply and pay annual fees. Please help me receive the XXXX bonus miles from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX gained unauthorized credit access to my credit report on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX gained unauthorized credit access to my credit report on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX gained unauthorized credit access to my credit report on XX/XX/2019.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2019 XXXX XXXX  and XXXX acquired unauthorized access to 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 2019-12-26 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I got hired by XXXX XXXX XXXX to work for a client called XXXX, upon getting hired they gave me a payroll card from 'XXXX XXXX XXXX ' I only worked for them for 3 hours due to the fact that I thought it was not going to be a good fit for me. I received my wages like normal and decided to find another job. That same week i found another job and decided to use the payroll card to receive my direct deposit. To confirm I called 'XXXX XXXX XXXX ' to ask them if I could use this payroll card for a DIFFERENT employer, they said yes but that I must first upload my documents because apparently they had a different date of birth on file. So on XX/XX/2019 both my deposit went through like normal AND I also uploaded my documents which are A ( IL Driver 's License ) B ( Birth Certificate ). To confirm they had received them I called them on Monday, XX/XX/2019 they ( XXXX XXXX Customer service department ) stated they had not received any documents and that to give them a call back the following day. As XXXX was approaching I became anxious and so I immediately called them back on Tuesday the next day, they told me the same thing, no documents have been received. I was told to give them a call back on Thursday or re-upload my documents but I told them that is not a good option as their website XXXX already SHOULD have my documents and thats sensitive information to be putting out on the internet like that, exposing me to fraud. So essentially they have been unfair in my opinion and unprofessional because of the amount of time its taking and the promises they have made like gives us a call back tomorrow type of thing its getting annoying to deal with them when they keep telling me to just give them a call back and hopefully it gets resolved which it hasn't. My account is locked and without a date in which I can start to use it again. Also they refuse to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: CA

Complaint narrative:
On XXXX XX/XX/2019 I wrote to Citibank alerting them that XXXX  XXXX XXXX has no authorization to initiate debit transactions to my checking account XXXX, and asking them to block any further ( erroneous -- see related complaint ID XXXX-XXXX showing incorrect double-charges ) attempts by XXXX  XXXX XXXX to charge my account. 

On XX/XX/XXXX Citibank wrote a form letter ( XXXX ) speaking to the reversal of the previous incorrect charge and closing the case. 

On XX/XX/XXXX at XXXX Citibank allowed XXXX  XXXX XXXX to withdraw {$870.00} from my account with the full knowledge ( from my previous letter ) that XXXX  XXXX XXXX was NOT AUTHORIZED to do so. I attempted to contact Citibank again in writing, but the only online method they have, " chat '', was unable to help me and Citi does not accept electronic messages ; as I am traveling I am unable to write another paper letter to them. 

I would appreciate your intervention with Citibank so that they stop this unauthorized electronic withdrawals of my funds. 

Sincerely, 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 explanation
Consumer complaint received 2019-12-26 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank is violating 12 CFR 1026.13 ( d ) ( 1 ) and the Official Staff Interpretation in Comment 13 ( d ) ( 1 ) -3. The Bank posted TWO fraudulent charges to my account on XX/XX/XXXX & XX/XX/2019, totaling {$1500.00}. I reported the fraud on XX/XX/XXXX. Both merchants agreed it was fraud and that it was a mistake to charge my account because I was not their customer. Both merchants wrongfully used my credit card number that the same customer had orally given to them without the card or any identification. So there is no merchant dispute. On XX/XX/XXXX Capital One issued a periodic statement for the XX/XX/XXXX billing cycle that included BOTH fraudulent charged. By XX/XX/XXXX, Capital One had not removed the charges or issued a credit, so I mailed a written request. On XX/XX/XXXX, the Bank issued 2 credits in the same amount as the two fraudulent charges, but the original charged remained on my account. On XX/XX/XXXX, I had 2 conversations with 2 different Capital One employees -- and both of them said I am required to pay the fraudulent charges of {$1500.00} on the payment due date ( XX/XX/XXXX ) and if I fail to do so I will be charged interest on both the disputed charges and undisputed charges because there will be a balance due on the account. Their rationale was that I must pay them temporarily until the " Credits '' are applied in the NEXT billing cycle in XX/XX/XXXX. This violates TILA and Reg Z, 12 CFR 1026.13 ( d ) ( 1 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My parents closed an account that was opened to pay off a car. My name was also on the account but the credit card was never used, they were just advised by the bank ( XXXX ) that the line of credit was necessary to open the account to pay off the car. Again, no credit was used and the credit card was never charged, so the account had a XXXX dollar balance for roughly five years. They closed the account on XX/XX/XXXX and my credit report was updated yesterday, showing a deduction of 108 points.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: AL

Complaint narrative:
On XX/XX/2019 XXXX XXXX  and XXXX acquired unauthorized access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: AL

Complaint narrative:
On XX/XX/2019, XXXX accessed my credit file without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
An account under the name of XXXX XXXX XXXX was opened in my name and is listed on my credit file. It states it was opened on XX/XX/XXXX. I do not have any knowledge of this account. The account was charged off and sold/transfered to LVNV FUNDING LLC. on XX/XX/XXXX. I did not know of this account until Spring of XXXX when I began looking into my credit report due to our credit being checked by potential landlords. On XX/XX/XXXX I filed a dispute with XXXX  regarding the account. XXXX  stated their result as follows, " Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. '' I'm unsure of why this account is still on my credit file and I am not allowed access to any other information regarding the dispute or how they came to this result.

Company response to consumer: Closed with explanation