vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-06 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: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
XX/XX/XXXX, I requested my First Citizens Bank Credit Card reward points to be deposited into my checking account with First Citizens. The Amount of  XXXX was never deposited. I have attempted three times since XX/XX/XXXX to start the process again. 
First Citizens has put in multiple expedited requests but they go unanswered. I called again on Monday XX/XX/XXXX and a very rude representative from the Credit Card Department told me she couldn't do anything for me. She then asked if there was anything else she could help with and she hung up on me. 

I have not received any follow up calls on my requests. Since then my Credit Card has been closed and i have not had any movement with this. The phone number that I last received a call from was XXXX, on XXXX XX/XX/XXXX. She would not give me her name and was completely insistent on not being able to assist. 

I would like to submit this complaint to have First Citizens Bank honor their promise in fulfilling my request to have my rewards of XXXX deposited into my Deposit Account. I am looking into consulting with my Attorney. I feel that this is a violation of UDAAP. This was a rewards card which I had rewards available  prior to my account being closed. The request to transfer my rewards was never fulfilled which is a violation of the marketing for this Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX   XXXX XXXX : XXXX v. XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXXY # XXXX**** XXXX  XXXX # XXXX**** XXXX  XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX  XXXX # XXXX**** XXXX XXXX  # XXXX**** XXXX/XXXX XXXX # XXXX**** Please send notice of a cease and desist to all creditors until documentations are properly provided.

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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( 1959 ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
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**** Please send notice of a cease and desist to all creditors until documentations are properly provided.

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 2019-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
After checking my credit scores, i discovered a derogatory mark on my credit from XXXX XXXX XXXX as the original creditor. The date of the mark in question is from XX/XX/2014 ( 4 yrs, 11 mos ). The mark in question was placed for collections to CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX which after digging around online, I found that this collection agency not only has some questionable history, but is also based out of Texas. According to certain laws if the debt collector does not have the proper license to collect from certain states, then it is blatant fraud. I WANT! This derogatory mark REMOVED FROM MY CREDIT HISTORY AS I NEVER SIGNED UP FOR XXXX XXXX XXXX Because at the time where i was living XXXX XXXX WAS NOT AVAILABLE IN MY AREA FOR SERVICE. I deemed this derogatory mark as fraudulent and has damaged my credit history. 

Sincerely : 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 2019-04-06 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed 5 hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : XXXX XXXX XXXX, Ally Finan  I, XXXX XXXX, XXXX XXXX, and 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 2019-04-06 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: DE

Complaint narrative:
XXXX did not provide adequate verification for the debt question. No documents were provided showing a contract, signature or my correct personal information.

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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax was my monitoring service until I got frustrated with them for having the address information. They showed me living at an address I hadnt lived at in 4 years. Because of that I lost ability to secure a product that used Equifax. 

So, I dropped them. Once I dropped them and went to XXXX  -- Equifax dropped my credit from XXXX to XXXX. 

Changes to my credit has been positive noted by XXXX and XXXX. 

I paid of three accounts in full and reduce the balances on my accounts average 20-25 %. 

When I was with Equifax my credit scores were higher even with my credit cards much higher/maxed out and had 3 additional accounts with high balances. 

I do think that credit reporting agencies are unethical. In this case, note the significant decline in credit scores despite my credit improvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
MY NAME IS XXXX XXXX ( XXXX ) Please remove any other variations of my name! my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My employer is XXXX please XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX andXX/XX/2018.. inquiries on my credit report that I did not do.. I talk to the representative at Trans Union told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..

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 2019-04-06 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: FL

Complaint narrative:
Email received today, XX/XX/2019, from Experian showing a reduction in my credit score of -XXXX points to XXXX because of negative collection activity initiated by a company called XXXX XXXX XXXX, ( acct. # XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( XXXX ) acting on behalf of XXXX House, XXXX XXXX, XXXX XXXX XXXX ) for an account opened apparently in my name inXX/XX/XXXXand now owing a balance of {$570.00}! What's unnerving is this is the second identity fraud against me regarding a communications bill. The one I filed with you last month was from XXXX XXXX. A police report was filed and the collection was removed immediately. To add insult to injury I have a one ( 1 ) year security alert with Experian and the other two ( 2 ) credit reporting agencies, but apparently to no avail. 

Experian, without any notice to me, just reduces my credit score. And, this company, XXXX XXXX XXXX had never contacted me and when I tried calling they are only open during the week.

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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
MY NAME IS XXXX XXXX ( XXXX ) Please remove any other variations of my name! my current and only address is XXXX XXXX CT, XXXX, OH XXXX My employer is XXXX please XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
MY NAME IS XXXX XXXX ( XXXX ) Please remove any other variations of my name! my current and only address is XXXX XXXX XXXX, XXXX, XXXX XXXX My employer is XXXX please 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, 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 2019-04-06 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: DE

Complaint narrative:
XXXX account # XXXX no contract or signature

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 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have a mortgage that was bought out by PNC bank ( pnc.com ) PNC does not allow customers who do not have a PNC banking account ( ie only have a mortgage account ) to make extra payments correctly. PNC is using deceptive banking techniques to steal interest from customers. 

Example : Let 's say I have an automated monthly mortgage payment of {$2100.00} ( XXXX principle, XXXX escrow, XXXX interest ) per month. If I use PNC 's website to make an early mortgage payment of {$2300.00}, PNC does not allow you the ability to allocate all XXXX to the principle. PNC will take your money and just pay the next month of mortgage ( effectively allowing PNC to make more interest money off of their customers ). This is due to XXXX not being applied appropriately ( ie it goes to escrows and interest ). PNC deprives customers from immediately having the XXXX lower the monthly interest collected When I called PNC to ask why they don't allow me to allocate the money the way I want they say i have to open a PNC bank account to choose how my money is allocated or I can call every single month and waste 20-30 minutes of my time to have them file a misapplied payment correction. I told them well i would like to request this on my file as a preference so i don't have to call every month. They told me that wasn't possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX did not provided adequate verification for debt question. No documents were provided showing a contract or signature

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 2019-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I LOST MY BANK CARD AND SOME OTHER PERSONAL INFORMATION DURING THE WEEK OF XX/XX/2019. I DID NOT REALIZE THAT MY BANK CARD COULD POSSIBLY BE MISSING UNTIL I RECEIVED A TEXT THE EVENING XX/XX/2019 ABOUT A {$700.00} WITHDRAWAL WHICH I TEXTED BACK NO. I TRIED TO LOG ON TO MY CHASE ACCOUNT FROM MY PHONE AND WAS LOCKED OUT. I BEGIN TO RECEIVE EMAILS LATE NIGHT AND TRIED TO CALL BUT IT WAS TOO LATE TO CONTACT SOMEONE FROM CHASE WHICH I EVENTUALLY DID EARLY THE NEXT MORNING. THE LADY TOLD ME TO COME INTO THE BANK WITH MY ID AND SS CARD AND BIRTH CERTIFICATE WITH MY PARENTS AND I DID. THEY TOLD ME THAT MY ACCOUNT WAS RESTRICTED AND WILL BE CLOSED IN 10 DAYS BECAUSE OF TRANSACTIONS THAT HAPPENED ON MY ACCOUNT THE PERSON DEPOSITED CHECKS FROM THE ATM AND WITHDREW MONEY THEY SAID USING MY PIN NUMBER. THE PERSON ALSO WENT TO THE WINDOW AND WITHDREW MONEY. I WAS NEVER EVER ABLE TO LOG INTO MY ACCOUNT AGAIN ONLINE. MY FATHER WAS ABLE TO LOG ONTO HIS ACCOUNT AND LOOK AT MY HS CHECKING ACCOUNT AND SAW WHAT TRANSPIRED. I HAVE NEVER DEPOSITED ANY CHECKS INTO MY ACCOUNT OR EVER WENT TO ANY WINDOW TO WITHDRAW ANYTHING FROM MY ACCOUNT. THE ACCOUNT WAS OPENED SO I CAN RECEIVE MY SOCIAL SECURITY BENEFITS. MY MOM CALLED ON XX/XX/2019 TO DISPUTE WHAT HAPPENED AND TO HELP ME PUT A CLAIM ON MY ACCOUNT. THEY PUT THE CLAIM ON THE ACCOUNT FOR THE ATM WITHDRAWALS. THEY DID NOT PUT A CLAIM FOR WHAT WAS SITHDRAWN AT THE WINDOW. I NEVER HEARD ANY RESULTS FROM THE CLAIM. MY SOCIAL SECURITY CHECK WAS DEPOSITED IN THE CHASE ACCOUNT ON XX/XX/2019. THEY KEPT THE SOCIAL SECURITY CHECK AND SENT A BILL DUE OF {$13.00} AND SAID THE ACCOUNT WAS CLOSED AND CHASE WILL NO LONGER DO BUSINESS WITH ME. MY DAD TOOK ME IN THE BANK AND PAID THE {$13.00} AND WE STILL HAVE NOT HEARD ANYTHING ABOUT THE RESULTS FOR ANY INVESTIGATION. WHAT I CAN TELL YOU IS THAT THE WITHDRAWAL SLIP MY NAME WAS SPELLED WRONG AND THIS HAPPENED AT A BANK IN NEW JERSEY IVE NEVER BEEN TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC
State: NJ

Complaint narrative:
The Mini Van was reported stolen to the Police but resolved that it was retrieve by XXXX XXXX as repossess without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: OH

Complaint narrative:
XXXX auto XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX inquiries on my credit report that I did not do.. I talk to the representative at XXXX XXXX told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX and XXXX.. inquiries on my credit report that I did not do.. I talk to the representative at XXXX XXXX told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..

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