vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To whom it may concern, Two weeks ago on Thursday, XX/XX/XXXX I received a call from Citi saying that after an internal investigation that my claims that you did not change my credit card account to my new account were indeed valid ( after 6 calls sinceXX/XX/XXXX ) in the investigation proved that city was wrong. The fact that after a perfect payment history I was doing a 30 day late hit on my credit reports were most definitely your fault. 

I was apologized to. I have a recording from your company XXXX representative ) who reviewed the recordings stating that my credit would be corrected and I would be issued a fax letter to my mortgage lender as Im in the middle of purchasing a new home. That you were sorry and would immediately correct this error. 

This credit hit is greatly affecting my loan APR and mortgage rate. 

Alas two weeks later no one has sent a fax I called and was on the phone for over 3 1/2 hours yesterday. I was run through XXXX call centers multiple people everybody contradicted everybody. 

I want this issue resolved tomorrow or Im going to get everyone I can involved with this. this problem will not go away. 

CITI messed up and needs to correct the issue as they guaranteed me they would. My mortgage lender is waiting on the faX that you guys promised. half your team says that they cant send a fax after the first three or four people Ive talked to said they would send a fax. again yesterday I was promised another fax the response being 24 to 48 hours. 

Please review my account and fix it accordingly I expect a call from you guys tomorrow XX/XX/2019 Wednesday. 

I close on my house next Wednesday. 

Please review all notes recordings and documentation related to my file. I do not feel like explaining myself one more time. 

Also I need an a mediately correction with all three credit bureaus XXXX, XXXXXXXX, and XXXX XXXX. 

The investigation was complete XX/XX/XXXX that is nine business days ago. I was told 7 to 10 business days tomorrow is your 10th day. 

All late charges and interest accrued due to your air need to be re-compensated to myself. 

Regards, XXXX XXXX XXXX Citi diamond preferred card # 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 2019-08-07 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: NY

Complaint narrative:
I recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and that was unusual. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this and doing this on my own behalf and I need this taking care of a as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX  states in her boa regulatory. Letters ofXX/XX/XXXX..attached My sole account of XXXX has had only 2 cards issued to it since XX/XX/XXXX # XXXX temporary in XXXX # XXXX since approx XX/XX/XXXX to present. 
XXXX XXXX from boa regulatory states in his letter of XX/XX/XXXX attached.. that all I had to do was look at my bank statements and the check card # used will be recorded well I have reported this to boa XXXX XXXX XXXX XXXX XXXXXXXX va from XXXX the check card # s are fraudulent. 
In XXXX XXXXXX/XX/XXXX ENTRY ON BOA STATEMENT REPLACEMENT FEE {$5.00} FOR ATM OR DEBIT CARD IN FLORIDAXX/XX/XXXXNC TELLER CASHWITHDRAWAL {$200.00} ENTRY NO IDENTIFYING BANK INFO IN NORTH CAROLIN A ON SAME DAY 2 STATES IN 2 DAY!! 
XX/XX/XXXX ANOTHER ATM CARD # XXXX IN BOA ATM SAME DAY XX/XX/XXXXXXXX XXXX XXXX ENTRY CHECKCARD # XXXX on my statement XXXX XXXX says it was a boa Visa XXXX # Same day XX/XX/XXXXIn state of north Carolina Check card # XXXX stated on my statement 2. Entries of XX/XX/XXXX XXXX XXXX CHECKCARD # XXXX XXXX XXXX CHECKCARD # XXXX XX/XX/XXXX XXXX XXXX XXXX says I was there visa XXXX was used On XX/XX/XXXX on my XXXX boa statement was Entered as XXXX charge Check card # XXXX on my boa statement Again I can't be at 2 places at the same time OnXX/XX/XXXX XXXX XXXX XXXX. SAYS I WAS THERE BUT NO CHARGE ON MY BOA HEY SAY A VISA XXXX WAS USED IN MY NAME BOA VISA. 
I am requesting a true and certified statement and supporting documents for each statement that was made to the cfpb about my accounts sent to me yo assist me in recovering both my monies and my identity. 
XXXX XXXX ++ XXXX XXXX XXXX XXXX XXXX nc XXXX Please Fax me your response letters via my paid fax plus XXXX asap

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 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
25 phone calls in just the past week from Commenity Capital Bank. Calling all hours of the day, before XXXX until XXXX. Ive missed one credit card payment, and if Im more than a few days late, this happens every time. They will leave a message once, and then the 25+ times after that they wont say anything. They mostly call from an unknown number therefore I can not block the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I purchased a bicycle from XXXX ( XXXX area ) for {$980.00}. At the store I was never told I owed interest after a one-year deadline. I also found ( 4 ) late fees totaling {$110.00} after I paid off the bike in XX/XX/2019. I called to complain because I had paid much more than the minimum asked every month. A man on the line for Comenity Bank said I shouldn't have had late fees if I paid more than minimum but put me on hold to check things.He later gave me {$15.00} then a total of {$45.00} off to bring my total to {$72.00}. I then paid the minimum of {$30.00} on XX/XX/XXXX to bring it down to {$42.00}. My year deadline was XX/XX/XXXX and after vacation I checked my bill ( after XX/XX/XXXX ) and it showed {$200.00}. They charged me {$150.00} interest plus some {$1.00} fee to make that total. I called again and a woman said there was nothing she could do and said on my statement in big " red '' print tells me of my deadline and interest to be charged. I received one paper bill and there is no red print telling me of this. I subsequently received electronic bills and paid on their website ( comenity.net/trek  ). No where on first electronic page or the page where I pay my bill does it say anything about a XX/XX/XXXX deadline. It does refer to " deferred plan interest info '' but nothing about MY interest and a XX/XX/XXXX deadline. They are involved in unfair and deceptive practices.I would have paid the late fees before XX/XX/XXXX as I only owed {$42.00} but I knew nothing about interest after a deadline. The bike sum has been paid, the late fees have been paid and I still owe {$160.00} interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my son attended XXXX XXXX XXXX in XXXX Georgia in 2009 which I cosigned a loan for at the time, between then and now I accumulated delinquents and defaults on my credit report because of financial difficulties. I am now getting my credit updated and is having difficulty doing so because between DOE and the XXXX XXXX collection agency it is showing that the loan was renewed or updated in XXXX of this year and XXXX XXXX was under investigation for tuition fraud and the bureau of fiscal services or DOE has been intercepting my refunds for some years now. It has been 10 years this year and now that I am trying to clean up my credit they renew the loan.

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 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: NM

Complaint narrative:
A debt collection company named NCBI called me and has been calling me for several months now using local numbers. I finally called back and they stated that I took out a loan in XX/XX/2017 for {$2500.00}. Supposedly I agreed to pay {$310.00} per month on the XXXX of every month and was now in the hole for over {$3000.00}. The personnel I spoke with all seemed to have XXXX ( from XXXX ) accents and all seemed to have normal American sounding names. I argued with them but they threatened my credit score and lawful penalties if I did not agree to resolve this bogus loan. I called out the last person I spoke with, a supervisor, and she became agitated with our conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc
State: MI

Complaint narrative:
They keep calling looking for some strange Male. The name is foreign sounding. I've told them numerous times my number doesn't belong to who they claim to be looking for. They lied to me this last time, tonight, they have never spoken to anyone at this number. That's a lie because I've heard the strange name before. I've read online this number is a scammer. Please shut them down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: NY

Complaint narrative:
I recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and that was unusual. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this and doing this on my own behalf and I need this taking care of a as soon as possible.

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 2019-08-07 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: NY

Complaint narrative:
I recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and that was unusual. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this and doing this on my own behalf and I need this taking care of a as soon as possible.

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 2019-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
The original creditor XXXX XXXX XXXX XXXX told me the issue was resolved after I assured them I do not own a car and that my mom paid for insurance on a car she thought I was going to keep. She wanted me to have insurance so that I can purchase a tag. The original creditor still owes my mom {$130.00} for new policy. The title wasn't changed over to me after finding out the original owner wasn't truthful about the mileage on the car. I found out this information while visiting the Florida Department of Motor Vehicles. The affidavit wasn't signed. Months passed and now I'm getting credit collection services notices every month when I was trying to establish credit. This negative remark was falsely placed on my credit reports and need to be removed. I do not owe this debt. I never received notices from XXXX stating I owe this. The company name is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. My file number is XXXX XXXX XXXX. My Pin Number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify  these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: GA

Complaint narrative:
There are two types of discrepancies in my credit file that has led me to believe that I have been a victim of fraud or my information is being crossed with someone else. First of all, there are two bankruptcies appearing on my report and I have never filed bankruptcy. Secondly, there are some accounts that do not belong to me and they are derogatory. I have tried to resolve this issue with the credit bureaus but it has not worked. I have attempted to pull the bankruptcy file from the courthouse for review but have not been able to retrieve any documents. I have also obtain on two separate occasions police reports to prove my case. The case numbers of those reports are listed within the fraud affidavit that I included in my disputes. So far, nothing seems to be working for me when it comes to clearing these errors off my report. I would like to have these items, which I will attach, deleted off my credit report in accordance with FCRA act 605b.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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 called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a line of Credit Account with Bank of America in Texas with XXXX balance and no mortgage on the house. 
With a line of credit, Bank of America mandates flood insurance. I was not aware my flood insurance policy lapsed, so Bank of America bought a flood insurance for me for {$3300.00}. Once aware that my flood insurance policy lapsed, I contacted my insurance carrier who sold me the flood insurance at market rate for a total of {$620.00} on XX/XX/2019 and effective XX/XX/2019. Once I informed Bank of America that I bought a flood insurance policy they charged me {$840.00} for approximately three months of coverage. 
I believe it is lone sharking rates to charge {$3300.00} for a market policy that is {$620.00}. The prorated three month was hundreds more than the entire year market policy charge. 
I am blessed to not need the line of credit ( which I have already cancelled ) but I would like other Texans to be aware of the inflated rates Bank of America charges because THEY CAN. 
Hopefully, Bank regulars will get involved to limit this lone sharking practice.

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Old information on my Equifax credit report that was removed is reappearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today XX/XX/2019 I applied for an RV with XXXX XXXX XXXX. I went to this company because they showed up under my web search for RV Dealers for bad credit buyers. I saw that my credit score went up to XXXX, and the company would have worked with me if that was correct. I had told the salesperson before he ran my credit about what I saw on my paid subscriptions, as well as the free subscriptions. I have a subscription with Experian, XXXX XXXX XXXX, and XXXX XXXX. All three showed me a XXXX, XXXX, and a XXXX. XXXX XXXX XXXX   updates my scores every thirty days as long as I refresh it. But they had me XXXX XXXX, Experian XXXX, and XXXX  XXXX. Granted I just paid my debt down with my credit cards to below 20 % so I won't see my new score on XX/XX/2019. I even have an Experian account, and that is the XXXX. 

I'm a victim of ID theft and bank fraud. I'm working with XXXX XXXX to help me with my problem and to get my credit straight. I've been with them for five months, and I don't see anything that they are doing because today I was told that my credit score was a XXXX. All I could do is cry. It's bad enough that I'm a victim of ID theft and bank fraud. Now I'm being ripped off by XXXX XXXX XXXX, Experian, XXXX XXXXXXXX, and XXXX XXXX. It isn't fair that I'm looking at scores that would help me to get financing only to be told that I am 100 or more points off or down from what I'm telling companies pulling my credit to get me financing. I am so embarrassed because it seems as if I am lying. How can they get away with this? Something needs to be done, and this is my first step because I have my grandmother as well as my husband going through these programs to help us to get our credit corrected. I feel that I need a refund from them all if everything that I am seeing is a LIE.

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