vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i was denied credit.....reason>unable to verify credit reference due to security alert...per MACY'S XXXX XXXX XXXX XXXX ,oh XXXX new accounts XXXX..I spoke with  supervisor XXXX...and she also denied my application...i am being discriminated i am being denied credit for an unlawful reason..there is no security fraud alert on my XXXX 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 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
I requested a debt validation in writing (609) letter to the collection Agency Financial Data Systems on XX/XX/XXXX Financial data systems failed to validate the date and they sent me 17 pages of my medical records/files dating back to XXXX. They have violated my civil rights under (HIPPA). I did not give Financial Data Systems permission to have copies of my private medical records nor did I sign a release form or a HIPPA release form to be released to a third party. The medical records that they sent me have private information on them as well as my health insurance information. I do not have a signed contract with Financial Data Systems and they have also sent these private medical records to all three credit bureaus. XXXX, XXXX and XXXX. The debt is $XXXX  dollars.

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 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiBank just called me on my cellular telephone from XXXX. I have had many problems in the past with CitiBank calling me after I asked them NOT TO CALL ME, yet they continue to call me. I do not know why they call me after I have asked them not to, but I want the harassment to stop.  Please communicate in writing only do not call me if you are from CitiBank and if you do call me do not record me I am revoking my consent to be recorded.

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 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: NJ

Complaint narrative:
I have no collection or debt to anybody. I re open my XXXX XXXX account and I just saw these collection but I dont know what is that. We never felt on the debt and also before I dispute one more time one collection like this collection and they remove from my account. These 4 collection not related with my or one of my family Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My former XXXX  that I took my dog to for a few months was scamming me the whole time, but I didn't realize it until after the last time I took him there about a month ago.  I explained everything to Care Credit   and went through the entire disputes process, just for them to turn around and deny my claim and close my case, stating that the XXXX can make their products whatever price they want... That's not why I was disputing!  Either they didn't thoroughly read my complaint, or they acted XXXX  in order to automatically side with the merchant.  I now since I first filed my dispute, refuse to pay one more dime on my bill, and if Care Credit doesn't remove the charges, I will be closing my account, not pay the charges, and I will file a claim with the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AK

Complaint narrative:
On XX/XX/2019 I submitted an application for the U.S Bank Altitude Reserve Credit card. My application was approved and I received the credit card. I used the credit card for regular purchases. The card came with a $XXXX  annual fee which I paid on time in full. I always paid my balance off, and was not charged any interest.This card required that I spend $XXXX within the first 3 months of card membership in order to receive the sign up bonus of XXXX points. I met this requirement and I could see the bonus points as pending on my credit card statement.Then I received a notice that my account was being closed and that my points were being forfeited, and that I could not longer use the card.  The reason state was a pattern of buying gift cards.  I tried to see if I could get my account reinstated with no success. When I could not get my card reinstated I requested that the annual fee be refunded to me since I paid the $XXXX  fee. This request was refused. I requested that the annual fee be prorated for the months that I was not able to use it, this was also refused.I was wronged first that I clearly met the terms of the sign up bonus, I saw the points as pending to my rewards account, but then US Bank frozen my account not allowing me to use the points.  I was wronged again when US Bank close my account within 3 months of opening, yet would not refund the $XXXX annual fee which I paid.

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 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
They charge too much interest and they charge me a late fee when I submitted the payment on the payment due date. They didn’t want to help the consumer and I cannot afford to pay late fee of $XXXX plus their ridiculous interest charges meanwhile I do not make any purchases on this card and all I do is make payments.

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 2019-08-20 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
helvey and associates is reporting a derogatory account with a XXXX balance. I dispute this regardless as it said i had 10 accounts with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase operates a service called "XXXX XXXX" and sends out monthly updates to members. On XX/XX/2019, I received an update with my name incorrectly spelled. I contacted the bank on XX/XX/2019 and requested that they correct my name. There was no response. On XX/XX/2019, I received another update with the incorrect name. I contacted the bank on XX/XX/XXXX and again requested that they correct my name. There was no response. On XX/XX/2019, I received another update with the incorrect name. I contacted the bank on XX/XX/XXXX and again I requested a correction. On XX/XX/XXXX, I received  a small card in the mail which stated simply "We are sorry for your recent customer service experience". I thought they finally made the change, but no - on XX/XX/2019, I received another incorrect update and on XX/XX/2019, I received another incorrect update. The bank is NOT paying attention to a customer request and this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: TN

Complaint narrative:
My information was stolen a few years ago, and I've had to file police reports, FTC reports, stop payment on loans and everything to block this information from being reported on my credit files but the credit reporting agencies keeps reporting them.

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 2019-08-20 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: Colony Brands, Inc.
State: FL

Complaint narrative:
the account is closed and paid off but still reporting as negative on my credit report since XX/XX/2014 there is a XXXX balance the highest balance was {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: TN

Complaint narrative:
My information was stolen a few years ago, and I've had to file police reports, FTC reports, stop payment on loans and everything to block this information from being reported on my credit files but the credit reporting agencies keeps reporting them.

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 2019-08-20 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: Carvana Group, LLC
State: IL

Complaint narrative:
I have been trying to contact this company every since the inquiry reported on my credit report to no avail have i been able to contact company though number or address showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: IL

Complaint narrative:
I have been trying to contact this company every since the inquiry reported on my credit report to no avail have i been able to contact company though number or address showing on 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 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
Someone else's name appears on my report.  Also, there is an incorrect address.

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 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Sometime in July, I made an account for "Transunion" in an attempt to view my credit report for free. Credit report never delivered, and I was never able to access my account. Unauthorized charge of $XXXX.XXXX to my card on XXXX/XXXX/2019 from "TU*TRANSUNION". I'm not sure if I gave them my card info in the first place. Called number associated with charge, person on other end of the phone asked for my social security number, as well as other sensitive information. Did not continue, as I am not willing to give sensitive information to an unknown source. Ever since creating the account, my email has received a significant increase in spam from companies trying to sell me insurance and loans. I believe this spam is due to Transunion giving my info to other companies without my permission.

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 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine.  I would like to have these resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2019 BOUGHT ENGINE ONLINE (XXXX) THEY ONLY SENT 3/4 ON WHAT WAS LISTEDALSO CHARGED XXXX XXXX FEE WHEN IT SAID FREE SHIPPINGWE TRIED TO WORK IT OUT AND THEY AGREED TO PAY FOR THE MISSING PARTS AND RENTALS CAR BECAUSE IT TOOK THEM A MONTHTHEN THE OWNER XXXX XXXX, WITH 5 OTHER NAMES THAT ALL SHOW RIPOFF  XXXX SAID HE WAS NOT PAYING ANYTHINGWE HAVE TEXTS, PHONES CALLS, EMAILSWE THEN CONTACTED CHASE WHO OPENED A CLAIM BUT THEY NEVER SENT US ANYTHINGCHASE THEN REVERSED THE CLAIM AND GAVE THE MONEY BACK TO THE SELLER  AND SAID THEY COULD NOT DO ANYTHING WE WOULD HAVE TO FILL A SMALL CLAIM ACTIONWHERE STILL OUT THE PARTS COSTSHIPPING COST, RENTAL CAR CASTCHASE DOES NOT WANT TO HELPCHASE CLAIM ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Colony Brands, Inc.
State: FL

Complaint narrative:
the account was closed and paid offXX/XX/2014 it has a XXXX balance  but it still showing and reporting on  credit report , I did dispute this and received a letter from the company showing I owed them a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TK Credit Recovery, Inc
State: CA

Complaint narrative:
I am trying to refinance my house. A judgement came across from TK Credit Recovery stating I owe from XXXX XXXX. I took out a loan in XXXX paid XXXX XXXX in XXXX account paid in full and closed. I have documentation from XXXX XXXX the the debt has been paid in full. Now this TK Credit Recovery comes up. I called TK Credit Recovery spoke to XXXX XXXX, which is not a friendly person, told him I had documentation stating my account was paid in full. I asked if I can get somethin in writing stating that the Judgement on me was from XXXX XXXX  so I could present to my broker so I could continue with my loan process. He told me that the judgement was on my name and he could not give me no information until he recieved clarification from the Sheriff Dept. He would not let me speak. And was not willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retail Merchants Associates
State: LA

Complaint narrative:
Statement date XXXX/XXXX/XXXX XXXX XXXX - XXXX noted an old debt in collects of $XXXX.XXXX was transferred to a current bill. This bill was paid on until it was recently turned over to collection again at $XXXX.XXXX, XXXX/XXXX/XXXX. They have turned me over to collections twice for the same debt. When Retail Merchants Association,  Inc. was contacted about this by XXXX and XXXX   XXXX, they stated that this was the correct debit and it remained on my credit as unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: IA

Complaint narrative:
The following collection account and credit inquiries are all fraudulent and not my accounts or credit inquiries: XXXX XXXX XXXX, $XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-Iowa XXXX, XX/XX/XXXX and XXXX XXXX/XXXX, XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane and vulgar language, threats of jail, prison and violence from Credit Collection Service Representatives which is a violation of the Fair Debt Collection Practices Act (FDCPA)under Federal and State law. Credit Collection Service is in violation of the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
the account was opened on XXXX/XXXX its been paid off since XXXX/XXXX but its still reporting and showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Money was withdrawn from my account in California to the total of XXXX dollars. This has been going on for over a month. I have a police report,signed all affidavits. For over a month all I hear is 5 days , 5 days. They are not being truthful. And very dishonest. Some  guy went into a bank in California and withdrawn my money and then proceeded to withdraw my money electronically 3 more times.i really need my money back Mr. XXXX XXXX  in the XXXX  NY branch hasn't been able to get the money back in my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20 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: IA

Complaint narrative:
The following collection account and credit inquiries are all fraudulent and not my accounts or credit inquiries: XXXX XXXX XXXX, $XXXX.XXXX, XXXX XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX-Iowa XXXX, XXXX/XXXX/XXXX  and XXXX XXXX/XXXX, XXXX/XXXX/XXXX. I been receiving harassing and threatening phone calls of profane and vulgar language, threats of jail, prison and violence from Credit Collection Service Representatives which is a violation of the Fair Debt Collection Practices Act (FDCPA)under Federal and State law. Credit Collection Service is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: IA

Complaint narrative:
The following collection account and credit inquiries are all fraudulent and not my accounts or credit inquiries: XXXX XXXX XXXX, $XXXX.XXXX, XXXX XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX-Iowa XXXX, XXXX/XXXX/XXXX and XXXX XXXX/XXXX, XXXX/XXXX/XXXX. I been receiving harassing and threatening phone calls of profane and vulgar language, threats of jail, prison and violence from Credit Collection Service Representatives which is a violation of the Fair Debt Collection Practices Act (FDCPA)under Federal and State law. Credit Collection Service is in violation of the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Porania, LLC
State: OH

Complaint narrative:
I am trying to rebuild my credit the bankruptcy on my report is holding my credit score down is there anyway to get it off ?? I have fixed all other problems that I have had in the past since then!! I try to keep up on all my Bill's now a days and iam very responsible and upstanding citizen. Thank you very much XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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