vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-21 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX someone fraudulently stole my credit card information and used it for XXXX   XXXX for {$100.00}. After that repeatedly someone used my credit card information to take rides on XXXX and XXXX. I reported this matter to Citibank Credit Card XXXX but to no avail. Citibank said that I will not be liable for any unauthorized but they did not honor their promise.

I trusted citibank and they broke my trust. Why I should pay for the charges I never made and why didn't the citibank blocked these charges from taking place? These charges continued till XX/XX/XXXX and Citibank is asking me to pay for it. All these charges amounted to {$610.00} and Citibank sent this amount to an collections agency XXXX XXXX XXXX XXXX on XX/XX/XXXX and they made this amount to {$750.00} which includes {$42.00} in interest and {$100.00} in Interest. 

Then I received a letter from XXXX XXXX on XX/XX/XXXX asking for the same amount of money {$750.00}. 

So it means it was further sold to XXXX XXXX. Citibank never told me what they did about the investigation, never sent me a letter, never called me. A totally irresponsible bank who makes people a fool by telling them that they are 0 % liable for fraudulent charges. 

I will urge and request XXXX to cancel their membership with Citibank as they are the most disgusting Bank and I don't want to deal with them anymore.

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 2019-01-21 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: BB&T CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX Re : Regional Acceptance Co acct. # XXXX Dear Regional Acceptance Co , I've been a customer of yours for years now, and recently when reviewing my credit reports I noticed late payments from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. I have always paid my bills on time, for as long as I can remember. I really believe that these payments must have been due to an error of some kind, such as an issue with the mail or something similar. If you'll review my account history, you will see that I have never been late aside from these instances. My credit is important to me and my relationship with your company is also important. I've been a happy customer for many years, and would like to remain one for many more. Based on our good relationship, I'm asking you to please remove these late payments from my account and from my credit. I ask you to take this in consideration and please favor your faithful client. 


Thank You.

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 2019-01-21 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: CA

Complaint narrative:
I have been sending dispute letters to XXXX XXXX, experian in regards to XXXX XXXX XXXX {$8700.00} that has been charged off and now two other creditors are trying to collect. I have sent proof of verification, validations to all 3 bureaus and only XXXX deleted off the profile, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. Experian and XXXX XXXX seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking.

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 2019-01-21 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: CA

Complaint narrative:
I have been sending dispute letters to trans union, XXXX, XXXX  and im on my 3rd round with XXXX. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX  XXXX XXXX  {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX  and XXXX seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking. 

i have sent trans union deletion of XXXX XXXX XXXX to the other two bureaus but still have no response.

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 2019-01-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a promotional offer over mail from Citi Priority : Invitation Code : XXXX. Please find the attachment for the detail of the letter.

I have not received the {$400.00} bonus that the promotion has promised after I enrolled the offer and then met all the requirements stated in the letter : I have funded my existing eligible Citi Priority with more than {$100000.00} and I have been maintaining the balance until today.

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 2019-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
I financed a car with Lobel Financial on XXXX XXXX. I fell behind in payments in XX/XX/XXXX ( approximately ). I have recently began to try and correct me credit and came across an closed account with Lobel Financial. The date says it was closed XX/XX/XXXX but the last payment says XX/XX/XXXX. I have not had contact with this corporation since XX/XX/XXXX. I have not any payments since I fell behind. I believe they are attempting to change the date of last action in order to extend the statute of limitation. Which I know is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: UT

Complaint narrative:
My background check report was provided to XXXX by Sterling Infosystems , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. 

The report contains a 12 year old XXXX  charge ( XXXX  from XX/XX/XXXX  / XXXX XXXX XXXX, Utah ). I have never had any issues with this charge and have worked in the XXXX XXXX field for a combined sum of 5   years. I was under the impression this would fall off my record after 7 years. 

*Per the Fair Credit Reporting Act consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

On XX/XX/XXXX XXXX suspended my account. On XX/XX/XXXX they deleted my account. 
I did send an email to XXXX member care team ( XXXX ) today to notify them of the mistake. I no longer have access to the report, because my account no longer exists. Also I can not call the reporting agency at this time because I am in XXXX. 

Thank you in advance for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: CA

Complaint narrative:
I have been sending dispute letters to XXXX XXXX, equifax, XXXX and im on my 3rd round with XXXX. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX XXXX XXXX {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX  and equifax seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking. 

i have sent XXXX XXXX deletion of XXXX XXXX XXXX  to the other two bureaus but still have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: CA

Complaint narrative:
I have been sending dispute letters to XXXX XXXX, XXXX, experian and im on my 3rd round with experian. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX XXXX XXXX  {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. Experian and XXXX  seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking. 

i have sent XXXX XXXX deletion of XXXX XXXX XXXX to the other two bureaus but still have no response.

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 2019-01-21 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Gobal Soulution. XX/XX/XXXX amount {$1800.00}. This account dont not belong to me nor have not consent for this to get my information at all XXXX XXXX XXXX. XX/XX/XXXX amount {$150.00} and XXXX. This account is old should have not be on my report I was told from the rep they will remove it from all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX. XX/XX/XXXX amount {$1800.00}. This account dont not belong to me nor have not consent for this to get my information at all XXXX XXXX XXXX. XX/XX/XXXX amount {$150.00} and XXXX. This account is old should have not be on my report I was told from the rep they will remove it from all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My credit report shows 7 hard inquiries to my credit by synchrony. I have never given written, signed or verbal consent to this company to do a hard inquirly to my credit. 
syncb/XXXX- XX/XX/XXXX and XX/XX/XXXX syncb/walmart-XX/XX/XXXX and XX/XX/XXXX syncb/gap-XX/XX/XXXX syncb/ppextr-XXXX syncb-XX/XX/XXXX I also have 2 hard inquiries by a company named XXXX that I have never given written or verbal consent to do a hard inquirie into my credit. 
XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/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 2019-01-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied ( and was approved ) for the American Express Delta SkyMiles Blue Credit Card around XX/XX/2018. At that time, the sign-up bonus marketed online included XXXX SkyMiles after spending {$500.00} in the first three months, as well as {$50.00} statement credits for XXXX rides every month for the first six months. I called American Express on XX/XX/XXXX and filed a claim regarding this issue ; I never heard back. I then tried calling again on XX/XX/2018. The representative told me that the claim was found to be in my favor and that I should receive the sign-up bonus when my statement closed. I called back XXXX after the points were not transferred, and was told by the representative that they should be credited in XXXX after my XXXX billing cycle closed ; they were not credited. I then called American Express on XX/XX/XXXX to inquire on the status of the sign-up bonus ; the XXXX Skymiles were credited to my Delta SkyMiles account, but I did not receive the statement credits. I called again on XX/XX/XXXX, and they had no answer for me other than to wait 2-4 weeks for further investigation. I should be credited {$300.00} ( it's been about 6 billing cycles, and I've spent well over {$50.00} on XXXX rides each statement ). I have attached a screenshot of the website promoting the signup bonus, from the time I applied for the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I'm heir to my ex-wife estate she passed, we returned a new vehicle to the dealership we purchased it from, they mailed a agreed amount of XXXX the check was intercepted and cashed thus happened in XX/XX/2017 I just the other day got the dealership to get me a copy if the cashed check, I contacted the institution and they said that's between me and the auto dealership this conversation took place 2 days ago Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
A complaint was filed on XX/XX/2018 regarding the same issue ( XXXX ) and a couple of day later I received a call from this company representative telling me that she was not able to locate any accounts under my social security or name owing {$5.00} and she was going to take care of the matter for my credit report but as of today it is still showing on my credit report. 
On XX/XX/2018, I went ahead and sent MBFS a money order in the amount of {$5.00} and hoped that they will fix the credit reporting. MBFS received the money order and it was cashed but my credit reporting still show {$5.00} balance keep adding late every month. 

A copy of the money order along with Certified Mail Receipt is attached. 

How could CFPB not punish a fraud company like MBFS?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
This is my 3rd complaint against this company on same issue, the account is part of Identify Theft. 
Previous complaint XXXX was closed when CFPB received company response on XX/XX/2018 where company indicated that " I have attached notes from XXXX system as to how XXXX concluded this account does in fact belong to XXXX XXXX '' but there is not any note attached from XXXX 's system. 

Please review the company 's response to complaint XXXX on XX/XX/2018 and see how this company has been misleading all of us. 

I request Source Receivable to provide a complete details on this account when it was open, including a copy of the identification provided when account was open, how and where this account was opened, how they have come up with the amount they have claimed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed Chapter XXXX bankruptcy at the end of XX/XX/2018. 

All of my credit cards were closed as of the end of XXXX ( by either myself or the credit issuers ). 

I was not late on any account prior to filing Chapter XXXX. Both XXXX  and XXXX  are accurately reflecting my payment history, closed account status, etc., BUT NOT EXPERIAN. 

Even though I filed in XX/XX/2018 and all of my cards were closed and never late - Experian is reporting 17 different late payments. What Experian is deceptively doing is counting every account I included in bankruptcy as a late payment in the month of discharge ( XX/XX/2018 ). 

They are violating FCRA, and my next step will be to attempt to get a ruling of {$1000.00} for each inaccuracy in a court of law.

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 2019-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
for about a year now plus, ive emailed to get a reply ( emails not accepted ) then gives me a oimk to a bot. if you guys were coinbase.com and lets be honest if i go XXXX ya mihht not likr ut you know would you imagine they do too? guys remember when bitcoin was like XXXX ever since then guys you know anyone who forgot their gmail password and forgot what email address was the reserve. i assume if your coinbas it happens often and guys with my email address dnt ya think i can vlose them go nat sec and next but honestly who and what would learn from that? guys i even told them i dont know if ya have XXXX  XXXX  but i got the google video on mine you can compare what you aee with the pic i took holding my id to open the acct and nada. ya i told XXXX but earlier tnite and no worries i aint telling them i told you. you know the theory behond a bank cant legally hold anyone from their acct cause its my cash? they dnt even give you an acct number but i even offered to tell them last time deposit into what acct from what acct and how much nada guys i wanted out when bitcoin was XXXX and since then coinbase has held me from my money what brokerage that happen? and i ber they go today well transfer his cash ya when my securities aint wortj nada no way if yo youre not the only dc dotgov ive informed if ya dnt fix it congress gon na love all you us federal court of claims!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am the XXXX  and XXXX of the XXXX XXXX, XXXX XXXX XXXX , XXXX Chase bank closed my account based on fraudulent documents and accusations from two board members and a fired management companys false accusations against me. I have Bylaws and a registered document with the state of California the proves my position as XXXX=> I am allowed to hire/fire ; receive FAIR compensation for my role as XXXX  and make legitimate OPERATIONAL purchases for the business = ALL of which I have valid proof of, yet I was falsely accused by a FIRED MANAGEMENT COMPANY AND TWO TERMINATED BOARD MEMBERS OF MAKING FALSE PURCHASES AND illegally receiving a paycheck! Completely crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: IL

Complaint narrative:
This company is reporting this incorrect debt under two different company names using same address out of XXXX fl. XXXX XXXX and XXXX XXXX. They are also reporting the account is less than a year old under XXXX XXXX  and 3 years old under XXXX XXXX. The original account was with XXXX more than 15 yrs ago when XXXX  bought XXXX. The account has been closed more than 7yrs because of charges by XXXX that were incorrect which lead to the termination of relationship with XXXX.

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