vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: LA

Complaint narrative:
For the last XXXX years or so my address has been : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXXXXXX. Before that as of XX/XX/2012 it was XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, and before that I cant remember the specifics but i believe it was : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Those have been my addresses for approximately the last 15 years. My phone number has been the same since 2012. I think I'm being discriminated against for some reason because I have contacted XXXX, XXXX, and EQUIFAX repeatedly and they refuse to provide me with a copy of my credit reports! All of my info has been the same for years! All of my banking, financial, legal, residential, government, and ALL OTHER info is the same and basically has been since XXXX 

Please investigate the persons in charge of these awful companies and I suspect terminations are in order ( the only question is : who exactly needs to be terminated for not doing their job )! 

THESE COMPANIES HAVE GIVEN ME MULTIPLE PROBLEMS FROM NOT PROVIDING MY REPORTS, CLAIMING NOT TO HAVE MY INFO ( ALTHOUGH I HAVE PAID OFF A NEW VEHICLE, HAVE A LABOR REPORT WITH THE SAME INFO, AND THEY HAVE ABUSED Y REPORTS EVERY POSSIBLE WAY THAT I HAVE WITNESSED! SPEAK TO THE PERSON WHO SIGNS THEIR PAYCHECKS AND MAYBE THAT WILL MAKE THEM DO THEIR JOBS! ( YES I'M UPSET! )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
XXXX XXXX XXXX is a debt collection company that is trying to collect a debt that is not owed to them. I have asked for the entire purchase agreement that validates this debt and they have refused to provide it to me. The company lists a balance due on my credit report, when in fact according to the FCRA laws, no balances should show on a collection account, nor should it be listed as an open and active account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against Bank of America for withholding the promised bonuses on my two credit card accounts. I opened a Bank of America Customized Cash Rewards Credit Card in XXXX and a Bank of America Travel Rewards Credit Card in XXXX. Both of these cards offered sign-up bonuses of cash and points. However, after meeting the requirements for the bonuses, I was never awarded them. 
I have spent many times taking trips and speaking to a banking advisor in the Bank of America branch several times to inquire about the bonuses. I have been told that there was a " system error '' and that I would be awarded the bonuses in the next billing cycle. However, this has never happened. 
I have also reviewed Bank of America 's terms and conditions for these credit cards. These terms and conditions state that the bonuses will be awarded as long as the following requirements are met : * The account is opened and activated within 30 days of approval. 
* The accountholder spends a minimum amount of money on the card within the first 90 days of account opening. 
I have met both of these requirements. Therefore, I believe that Bank of America is in breach of contract by withholding the bonuses. 
This is not the first time that Bank of America has been accused of withholding promised bonuses. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Bank of America {$30.00} million for misleading customers about credit card rewards. The CFPB found that Bank of America had offered sign-up bonuses to customers but then failed to provide them the bonuses due to employee error. 
I believe that Bank of America 's actions in my case are also illegal. The Federal Trade Commission ( FTC ) Act prohibits unfair or deceptive trade practices. In my case, Bank of America made false promises about the bonuses that I would receive if I opened their credit cards. These false promises were designed to induce me to open the cards. 
I am also concerned that Bank of America 's actions have violated New Jersey state law. New Jersey law prohibits unfair or deceptive business practices. In my case, Bank of America 's actions were unfair because they misled me about the bonuses that I would receive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: KS

Complaint narrative:
Call company today. Tried to explain that I have previously stated cease and desist.I contacted the municipal court, they stated no action will be taken, these are from 2008. I did receive a letter yesterday stating that your drivers maybe suspended and a may be an active warrant for your arrest. I have asked again to cease and desist and was told today that they will not do that and call and letters will continue.this I harassment and I wan it stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: CITIBANK, N.A.
State: NC

Complaint narrative:
My Citi Dividend Card stopped paying cash back at a {$300.00} limit which it never had before and I received no notice of such change. I called representative and got no acknowledgment of additional funds due to this account. I saw where XXXX XXXX XXXX did the same type of thing and possibly XXXX XXXX as well. Just thought that I would raise a red flag on this card as well. Thanks, 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-07-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, someone stole my wallet in my car. He or she used my credit card and used my debit card to withdraw all money, {$1600.00}, from four different bank ATMs. 

On the day of XX/XX/XXXX, I confirmed this theft and crime through a fraud alert on the Citibank app, and as soon as I found it, I immediately reported it to Citibank and reported it to the police as well. 

I know, if I notify my bank or credit union within two business days of discovering the loss or theft of the card, the bank or credit union cant hold you responsible for more than the amount of any unauthorized transactions or {$50.00}, whichever is less. If I notify my bank or credit union after two business days, I could be responsible for up to {$500.00} in unauthorized transactions. 

However, Citibank did not refund the {$1600.00} stolen for the following reasons, even though I reported it on the day of XX/XX/XXXX and requested reimbursement four times by investigations. 

" Based on the information you provided and the results of our research, our records indicate that these withdrawals were made from your account with your Citibank Banking Card. Please note that your Citibank Banking Card and Personal Identification Number were required to perform these withdrawals and the activity appears to be consistent with your normal banking activities. '' I have never told anyone my pin number, and I have no clue of pin number in my wallet, which is obviously a major theft and password theft by a professional robber. 

I shared police report number with Citi Bank, requested to see the video on 4 different ATMs, and request reimbursement this fraud transaction more than 4 times. However, Citi Bank denied my request again and again. 

I didn't withdraw my money by my self and this is obviously a major theft and password theft by a professional robber. The Citi Bank also refunded the fraud transaction of credit cards, but I can't understand why they don't refund fraud withdrawals of my debit card. I reported this fraud transaction within two business days to Citi Bank as well as Police. 

According to the law, I strongly request that the bank return the money I have not withdrawn immediately and I sincerely hope that you will help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Viewed credit report and it shows that XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX am confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX am confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: AL

Complaint narrative:
I am a XXXX veteran. A servant of this country. In trying to maintain the safety of this country and her people, someone has fraudulently stolen my confidential information thus taking advantage of me. The following accounts which are not mine, the address listed herein someone put on my credit file and certain employers I did not work. I am requesting all fraudulent information listed here to be removed and restore by the authenticity of my credit health and preservation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/2023 I visited a local Keybank branch office to provide the necessary documents in order to access my father 's checking account ( set up under his trust ) and money market. I provided the entire Trust documents to include the Trust Agreement, Affidavit and Acceptance as successor trustee, and two independent medical certification letters prepared by my attorney, along with the Durable POA, giving me comprehensive financial authority inclusive of the Estate and Trust. I am seeking access to my father 's accounts in order to pay his XXXX XXXX XXXX XXXX home expenses. My father is a long term patient in a memory care facility and currently under hospice care. Despite a follow up visit to the branch office and elevating the complaint to the KeyBank Client Relations Office of the President at the Corporate office, I have received no response. I have made follow up phone calls without response, and nor have I received any written response validating their denial in accessing my fathers accounts. The verbal explanation I was give by the local branch, is their legal department has denied the validity of the XXXX certification letters, which took six months to secure from the XXXXXXXX XXXX XXXX Both these letters were prepared by legal counsel, signed, dated, and fully compliant under state law. 
Furthermore, a notarized affidavit was attached with my assignment as successor trustee. These documents were fully accepted by at least four other financial institutions and insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: AL

Complaint narrative:
I am a XXXX veteran. A servant of this country. In trying to maintain the safety of this country and her people, someone has fraudulently stolen my confidential information thus taking advantage of me. The following accounts which are not mine, the address listed herein someone put on my credit file and certain employers I did not work. I am requesting all fraudulent information listed here to be removed and restore by the authenticity of my credit health and preservation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: AL

Complaint narrative:
I am a XXXX veteran. A servant of this country. In trying to maintain the safety of this country and her people, someone has fraudulently stolen my confidential information thus taking advantage of me. The following accounts which are not mine, the address listed herein someone put on my credit file and certain employers I did not work. I am requesting all fraudulent information listed here to be removed and restore by the authenticity of my credit health and preservation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XX/XX/2023 - Payment made for American Express account for {$1800.00} but I had insufficient funds, my paycheck didnt post for another few hours. XX/XX/2023 - I receive direct deposit paycheck and my bank account has more than enough to cover funds. The {$1800.00} is returned, I call American Express and they advise me to make another payment because the {$1800.00} will not re-attempt. I have enough funds, and send a payment of {$1700.00} to American Express. XX/XX/2023 - Both payments of {$1800.00} and {$1700.00} are billed to my checking Account. I am overdrafted, and my American Express card is not working and my XXXX  XXXX XXXX debit card is not working, despite my XXXX  XXXX XXXX saying they cleared the {$1800.00}. XX/XX/2023 - I contact XXXX  XXXX XXXX and American Express to resolve. XXXX  XXXX XXXX opens a fraud investigation, and told me it will take 40 days to research. American Express told me they can not do a stop payment, and will reattempt to draw the funds 3 times. XX/XX/2023 - I am still overdrafted despite having around {$1200.00} in my bank account in reality. I contacted American Express again for a stop payment request, and they say they need an electronic letter from XXXX  XXXX XXXX. I contacted XXXX  XXXX XXXX for a an electronic letter they can send to American Express, or a way to stop the auto draft, but they will not stop the auto draft. Consumer banking, my money would have been safer underneath my mattress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Bepensa Capital, Inc.
State: IL

Complaint narrative:
You are in direct violation of the fair credit reporting Act ( account name & number #, ) has violated several of my rights. 

XXXX5 U.S.C 1681 Section 602 A Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found
State: TX

Complaint narrative:
On XX/XX/ I made XXXX debit transactions and accessed my Found Banking app to check my balance. My account was then frozen for unusual activity. The debit charges were for {$43.00} and {$10.00}. I have routinely used this account in this manner. 

The application wants me to verify my identity and I can not get the app to work with my device. 

This is my business account and I do not have access to my funds despite sending the requested documents as attachments to the representative via email. 

It takes hours to days to get a response and they had no one to assist me over the weekend. At this time they are refusing me access to my account thus freezing the commerce of my small business. 

I can forward the email thread at your direction to give you a clear understanding of the conversation, dates and times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation