vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased a washer and dryer online from the Home Depot website. During the purchase I read that if I open a Home Depot credit card I will receive a {$100.00} credit on my first purchase. I decided to do that and purchased the items for a total of {$1500.00} with a scheduled delivery date of XX/XX/2019. With the promised {$100.00} credit for my first purchase the total should have been adjusted to {$1400.00}. While I was at the local Home Depot in XXXX XXXX, NY on XX/XX/2019 to purchase some unrelated items I decided to look at the washer and dryer floor models I purchased online and noticed that they were selling for {$50.00} each lower than the price I received online. I asked a sales associate if the price I paid the week before could be adjusted to the sale price, they told me they could but I would have to go to the XXXX, NY store to receive the credit because it was registered as a sale from their store. I drove to the XXXX store and spoke to a sales associate there and they credited my original purchase price {$100.00} plus tax for a total of {$100.00} credit. The total cost of the purchase should have been {$1300.00} with the credit for the sale price and the separate credit of {$100.00} for opening a Home Depot credit card. I called the credit card representative and explained the discrepancy when I received my credit card statement and they explained to me that they can not give both credits. I explained that if I purchased the items on sale and opened a credit card account I would have received the {$100.00} credit for opening the account but the associate I spoke to, XXXX # XXXX, stated it does not work like that and they can not give 2 credits for the same items. I believe the {$100.00} credit is separate and distinct from the credit I received because the item was on sale. When I opened the credit card account I was told by the representative that I would receive the {$100.00} credit for opening the account. It does not state You can not get the {$100.00} credit if the items purchased are on sale.

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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Im the victim of identity theft and I dont recognize the account XXXX is reporting on my Chexsystems and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to Chexsystems and XXXX XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to 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 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
Im the victim of identity theft and I dont recognize the account Discover Bank is reporting on my XXXX and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to XXXX  and XXXX  XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Fraudulent charges at Regions bank reported immediately and card closed down and ask to have debit transactions stopped but institution says they could not and sent money anyway.

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 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, i was relocating to From XXXX, back to XXXX.I called up XXXX XXXX  and told them i was relocating and that i don't know the address just yet. They have put my account on hold till i get my place set up. This way no new charges will accrue.Once i established my residence in XXXX, i called up XXXX  XXXX  and set up an appointment for them to come out to install my service at my new residence. When they came out, they informed me that they could not set up my service at my new residence due to no signal in my area. Apparently, there were a lot of trees and buildings interfering with the signal and had no way to install it. So i called up customer service and informed them of the situation and was told since this is the case, then they will have to let me out of my contract due to weak signal in my area. I was told i would not get an early termination fee due to this.The installation guy did confirm this.When i received my bill, i kept receiving charges for an early termination fee and kept fighting to get it corrected.Also there were charges for the satellite boxes that were returned.In XX/XX/XXXX, i called again and talked to a supervisor that finally took the charges off my bill. My bill showed i owed {$0.00}. I return all 3 boxes back to XXXX   XXXX  at the XXXX store which i enclosed a copy of the receipts for all 3 satellite boxes.I assumed everything was good because i have not received any bills since then. Now a year later,XX/XX/XXXXi received a bill from a collection agency, stating i owe this amount for XX/XX/XXXXXX/XX/XXXXservice and is threatening to put it on my credit report. This debt had been cleared from XXXX XXXX a year ago! They are trying to collect on a debt that had been cleared by XXXX XXXX. I should not have to pay for services that i never received due to no signal in my area.This is a violation of my rights under the fair credit reporting act! It is illegal for the company to sell a debt that was cleared and not owed! This is fraud! I have a receipt for the satellite box returns. If they go back to XXXX XXXX and look at the notes dated in XX/XX/XXXX, they will see that the charges were in fact taken off my account. Its not my fault they could not get service set up for me at my residence! They assured me that the charges were taken off and i owed {$0.00}. Don't they look at their notes on my account? How can they reopen an account that was cleared out after a year? This has just happened to because in the course of the year i had got no communication regarding this debt, and all of a sudden now.It seems like someone added this bill back to my account! This is not right and want to file a complaint against this company for unfair credit practices! They can not sell a debt that was cleared by the original company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

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. 

I demand the following accounts be verified or removed immediately. 


XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

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. 

I demand the following accounts be verified or removed immediately. 


XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay 's has incorrectly reported to the credit agencies and refused to change it.

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 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
I just received a summons regarding being sued over an old credit card debt which appears to have been sold to another company. 

My husband and I are both permanently XXXX, and our only source of income is judgment-proof SSI and Social Security. We are unable to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To this date, TD bank has been able to accrue over {$600.00} in over draft fee 's. However, the explanations are confusing and don't make any sense. I have direct deposit and I make deposits but I still get fees.. 
The bank does not explain how this system really works. I get answer 's such as " Maybe sometimes ..It 's supposed to. '' or " Depends on what they do in the back '' or " You pay us to use our money ''. 
My initial understanding was that if you overdraw your account and put money in the account by the end of the business day, you will not be charged. I am always charged. 
The app is misleading because it does NOT give you your balances in real time as they say it does. The ATM machine directly outside the bank does not give you cut off times for deposits. 
My direct deposit comes in and I get fee 's for that day as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I submitted the Public Service Loan Forgiveness yearly Employee Certification Form in order to receive credit for my last 12 qualifying payments. Only 11 payments were counted. I contacted MyFedLoans and was told that one payment in XX/XX/2018 was not counted because I was " paid ahead '' and there was no bill for that month. After discussing the error with MyFedLoans and submitting documentation that I did indeed make a payment and had received a bill for that month, I was told that my payments would be recalculated. 

It has been over 3 months now and I still have not received the recalculation, nor have I received the credit for this month that was not counted. I have contacted MyFedLoans to  ask why the recount is taking so long and received no answer. 

I am requesting a recount for the last 12 payments submitted on the most recent Employee Certification Form to correctly reflect qualifying payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
THIS IS IN RESPONSE TO CFPB : XXXX YOU HAVE ASKED ME FOR AN AFFIDAVIT, IN WHICH I PROVIDED IN THE INTITIAL COMPLAINT. PLEASE DO NOT STALL AS YOU HAVE 30 DAYS TO RESPOND BACK AGAIN FOR A REINVESTIGATION FOR VALIDATING THIS DEBT. PLEASE DO NO VERIFY INFORMATION USING XXXX AS THAT IS IRRELEVANT. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX AMERICOLLECT XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence  dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/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 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XX/XX/2019 I requested a credit freeze while investigation was made over some transactions that appeared on my credit but were not mine. I received the paperwork and everything was going fine until XX/XX/2019. I filed a request to please have my credit freeze temporally lifted from Equifax, XXXX and XXXX. I needed to move from house and my credit needed to be ran. I had no issues with XXXX, they immediately lifted the credit freeze. On XX/XX/2019 I received a notice from Equifax in which it stated that my credit would be temporarily lifted from XX/XX/2019 till XX/XX/2019. However, I have been checking the status everyday since receiving this notice and my credit is was still frozen. XXXX and other creditors have run my credit since, and it still shows as frozen. On XX/XX/2019, I requested or my credit freeze to be removed permanently due to the whole situation. On XX/XX/2019 I received a notice from Equifax stating once again my request was granted. However, till this day anywhere my credit is ran Equifax and XXXX has no credit or score. I have tried numerous times to contact them on the phone and by mail but have not received any response, the customer service has had no resolution for me and hang up when a hey don't have an answer for me. I don't understand why this is happening. 
I need to move from home and I need my credit to be available as soon as possible, thank you. 

P.S all documents requested by Equifax have been submitted, this includes CA drivers license, SSN, W-2 forms, Utility Bills, ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has allowed numerous fraudulent accounts to be established in my name. I have already advised American Express these were fraudulent accounts as a result of identity theft. American Express is already aware I am a victim of identity theft since a previous application for an Everyday Card was already reported as identity theft. Yet they closed that account but the following accounts were established using the email address that was found on the dark web from XXXX being sold by identity thieves, I have already notified American Express of this information and they laughed it off. Their Fraud Department tried to say they deny the claim because payments were made to the Gold card USING A FRAUDULENT bank account which I had XXXX XXXX close due to unauthorized transactions, and XXXX XXXX also reversed all the payments made to these accounts to American Express as fraudulent unauthorized transactions. I did not authorize any of these accounts to be established using XXXX, I did not receive these cards and my mail had been forwarded to a fraudulent address. American Express has not sent me any documentation on these accounts, nor cards for these accounts yet they continually keep establishing the gold card and the other accounts. XXXX <- Fraud. Identity theft. These accounts were applied for ONLINE. American Express did not call me to clear my Extended Fraud Alerts, In fact XXXX blocked the American Express inquiries as soon as they showed up, and they continually block subsequent inquiries. Additionally, all of these American Express Accounts were blocked with all 4 Credit Bureaus. XXXX, XXXX, XXXX, XXXX. They were all notified these American Express accounts were opened as the result of identity theft. Yet American Express when speaking to their fraud department told me they don't care because they see a verified fraud payment to the account. Which XXXX XXXX revoked and re took back. Yet American Express still says it's verified. They do not want to follow the law and do not assist with identity theft victims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/2019, I upgraded my HSBC basic checking account to premier checking account. HSBC sent me a new debit card ( without my awareness ) and a new credit card, but I never received them in my mail. 

On XX/XX/2019, I received multiple fraud alerts in my mobile phone warning me HSBC suspect fraud on my card account ( s ). I called HSBC security center immediately, confirmed the fraud transactions because I never received my debit card and credit card. I requested HSBC to close my debit card and credit card immediately.

However, HSBC didn't refund me all the fraud transactions made on XX/XX/2019 on my card accounts. On XX/XX/2019, HSBC sent me a letter claiming that the transactions on my card accounts were " AUTHORIZED '', and therefore they're denying my claim.

This is absolutely UNACCEPTABLE! HSBC is un-professional, unreliable and their fraud investigation is totally WRONG!!!

Company response to consumer: Closed with explanation