vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint submission is in regards to an Unauthorized Inquiry reported by CITI BANK NORTH AMERICA / THE HOME DEPOT. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITI BANK NORTH AMERICA / THE HOME DEPOT is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Account Verification & Consumer Protection Department by the name of XXXX and XXXX. It was extremely difficult to obtain any information from them. I then obtained their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Department had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITI BANK NORTH AMERICA / THE HOME DEPOT immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITI BANK NORTH AMERICA / THE HOME DEPOT is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.

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 2019-09-07 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
This complaint submission is in regards to an Unauthorized Inquiry reported by SPEEDY CASH / XXXX XXXX XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I do not have any revolving accounts with them or any loans. SPEEDY CASH / XXXX XXXX XXXX is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the CUSTOMER RELATIONS & ACCOUNT SPECIALIST DEPARTMENTS by the name of XXXX ID # : XXXX. It was extremely difficult to obtain any information from her, as she was extremely rude over the phone. I then obtained their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor XXXX stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response. It was confirmed through my fax machine that the Department had received the files ; however still no correspondents. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting SPEEDY CASH / XXXX XXXX XXXX immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, SPEEDY CASH / XXXX XXXX XXXX is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I was summoned on XX/XX/19 for a pre trial mediation on XX/XX/19. The law suit claims that XXXX XXXX is the plaintiff but the documents show that Pollack & Rossen, XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX are the actual plaintiffs. The summons itself is a cut and paste document poorly done. Once googled they are notorious and have had class actions against them. By law XXXX XXXX would have charged of this debt in 180 days of non payment. I suspect they purchased the debt and by using XXXX XXXX as plaintiff is fraud, a practice for which they have been sued for in the past. 

I am no stranger to this tactic as a business owner for over 35 years. Mediation is to see what assets I have, such as homes stocks etc. which I have none. I am a XXXX year old retired single man living on social security. Their threats for garnishing wages, seizing bank accounts and property are disturbing to say the least. And I am sure violate best practices. 
Their assumption that I sought out the credit card is false. XXXX XXXX is natorious for sending out cards for free, not requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XX/XX/2019 credit card paid in full with a due date of XX/XX/2019 Comenity XXXX   XXXX stated promo offer needed to be paid by XX/XX/2019 Customer called into to service line In the prior months and asked when pay off was and rep stated to pay in full by XX/XX/2019, not once was a promo date disclosed - not even at purchase. 

This was a second purchase with a promo on the same XXXX XXXX   comenity card and never an issue before. 

Charged a XXXX $ Finance fee and late fee when account was paid in full before due date if XX/XX/2019 XX/XX/19Customer called and spoke with rep and 3 managers/supervisors to resolve issue and all stated nothing could be done Account was maintained meticulously and credit history is superb.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Several months ago I applied for a ( XXXX XXXX ) Home Equity Line of Credit and was denied based primarily on a 2016 bankruptcy that was incorrectly reported by Equifax. I have provided them with indisputable proof that this is incorrect ( see attached ). 
There consisted refusal of Equifax to correct this error or explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My daughter and I went to XXXX XXXX bank to open a saving and checking account and while opening the account she told both of us that we were approve for a no interest credit card, she gave us papers to sign and said the card would be to us in a few days, we told hard that we did not want a hard inquire on our record and she told us that the bank only pull soft inquire. We wrote the bank with a complain and they said we have your signature on the forms so that is our problems. We were trying to fix our credit and they just hurt us by there person that lie to us. We just would like them to remove the hard inquire

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 2019-09-07 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: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
On XX/XX/2019 my Visa card was double-charged for a subscription by Google/XXXX. I reported this fraudulent charge to Google and Google said I had to talk to XXXX. Then XXXX said I had to talk to Google. After getting bounced around from Google to XXXX for three days and hours on the phone, Google says they cant help me because they cant see the charges in their system ( which is the Google Store ) where I added the subscription. I have an email and confirmation # from the Google store about this order yet Google cant find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have reported to Bank of America four fraudulent charges to my credit card. All the charges were for XXXX. I have never had an XXXX account. I spoke with XXXX, who verifed that I do not have an account there. XXXX investigated and told me that someone else used my credit card fraudulently, and XXXX said they have now closed that account. However, Bank of America seems to have done no fraud investigation. Bank of America gave me a temporary credit for all four fraudulent XXXX charges, but then Bank of America charged one of the fraudulent charges back to me with no explanation. When I asked for an explanation they could not give me one. They said they would send me a letter about the chargeback but they did not. I feel that since I first reported the fraudulent charges to Bank of America on XX/XX/19 ( more than 90 days ago ), they have had ample time to do an investigation and resolve this. I am unable to determine why Bank of America has not resolved this problem because they will not give me information, and they have refused to let me speak with an investigator or supervisor. 
Here are the fraudulent charges from XXXX : XX/XX/19 {$1100.00} XX/XX/19 {$1300.00} XX/XX/19 {$6900.00} XX/XX/19 {$6900.00} I have contacted Bank of America about this problem on the following dates : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19

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 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: ND

Complaint narrative:
As of XX/XX/19, I have received notification of a hard inquiry on my credit report from a Phoenix Financial about a medical debt collection. I have no collections out for any medical bill, which was proven after I called every medical related billing department in my knowledge and they confirmed all have been paid in full and not sent to collections. I want this off my credit fr report. 
Also I have received about 30 calls just yesterday ( now blocked by XXXX XXXX XXXX ) from an XXXX XXXX to collect on a medical bill that also does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have reached out to Huntington Bank multiple times and they have not got back with me in regards to some fraudulent activity that took place on my account. There are a few accounts that was open in my name and charges that I didn't approve of nor did I know about. No one have responded to my multiple emails and attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I sent in information to Credit Acceptance. I have never opened an account with them. Someone stole my identity and they used my personal information to open a account. I never had a vehicle with Credit Acceptance. Whoever did opened an account and used my info to get it. i don't have any idea on how this happened. I have had multiple accounts opened in my name and I have never had a vehicle with Credit Acceptance. I am XXXX and don't have any money to pay this company for a that I never knew about nor owned. Someone posed as me and got a account opened with my information.

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 2019-09-07 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: IA

Complaint narrative:
In XX/XX/2019 I received an offer to apply for a Delta Skymiles Gold card. I received both a flyer in the mail and email with the same offer. Part of the offer was that the {$95.00} annual fee would be waived the first year. In XX/XX/2019 I applied for the offer online through the website provided in the flyer and using my Skymiles number to access it. I was approved by American Express and began using my card. When I received my first statement I noticed the annual fee had been charged, so I contacted AmEx through their online chat on XX/XX/2019. I was told " There is no such offer for no annual fee for first year. '' I disputed this and was told they would open an investigation. I thought I still had the flyer in my recycling, but could only find a different flyer which I had received after applying for the original offer, although this offer also included a no annual fee the first year. I had also deleted the original emails after having been approved for the offer. I called AmEx on the phone and was told to check back on the status of the investigation. On XX/XX/2019 I contacted AmEx through their online chat. I was told the investigation was closed and " the image you've uploaded supporting your claim regarding the annual fee waiver offer could not be loaded at our end. '' I had never been asked, nor tried to send an image. The investigation was reopened, but since I have no proof of the offer I feel this will not resolve the issue. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Someone opened an account in my name and I never knew about it. I never opened an account in XXXX XXXX. I never lived there nor did I know about this account. I want this account to be investigated. I have tried to reach out to Wells Fargo in regards to this account. They contacted me in regards to the wrong account. XXXX XXXX XXXX reported an account with Wells Fargo. i never opened an account with wells Fargo. It is a fraudulent account that I never opened. They didn't do a proper application. It was any credit or application or any other account. The fraudulent account number is Account # : XXXX It was a checking account that was opened.

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 2019-09-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OH

Complaint narrative:
Direct Express is the most difficult place to reach someone for help. Their CS people give wrong or partial information and usurp cases and disputes. They do not explain nor care if you can actually reach them about what the problem is. They do sham denials on disputes consistently on many people including myself. 
Money is lost. Lives are affected. This bank is horrible and social security needs to warm revieptients of all problems associated with using this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
Someone opened an account in my name and I never knew about it. I never opened an account in XXXX XXXX. I never lived there nor did I know about this account. I want this account to be investigated. I have tried to reach out to XXXX XXXX in regards to this account. They contacted me in regards to the wrong account. Early Warning Signs reported an account with XXXX XXXX. i never opened an account with XXXX   XXXX. It is a fraudulent account that I never opened. They didn't do a proper application. It was any credit or application or any other account. The fraudulent account number is Account # : XXXX It was a checking account that was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Comenity Bank on behalf of XXXX card has been trying to collect {$99.00} from me since early XXXX. I called them on XX/XX/XXXX and send the letter of explanation and proof of payment to the address provided by Comenity Bank. In my letter, I also filed a formal complaint about the way Comenity Bank conducts it collection. Additionally, 1. Comenity is rude. I asked them to transfer me to their supervisor whom I talked to before. I provided the supervisor 's first name and her representative ID. The XXXX representative told me she could not transfer me unless I provide her extension. How am I supposed to know her extension? Isn't her representative ID good enough? 

2. The communications between Comenity and XXXX are flawed. Comenity and XXXX are transferring me between these two entities back and forth. One doesn't know what the other is doing. For instance, Comenity asked me to send my letter of explanation and proof of payment to XXXX. I did so on XX/XX/XXXX. However, I called on XX/XX/XXXX with respect to the correspondence. First, Comenity claimed I sent it to the wrong recipient. I should have sent the correspondence to Comenity. However, it was Comenity who told me to send it to XXXX. Then, Comenity said they saw I sent in some correspondence, but did not have the date and exact content. This is very bad record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I stopped to refill a rental car at a gas station near XXXX XXXX, XXXX on XXXX XXXX, XXXX. The rental car is a XXXX XXXX XXXX ( XXXX ) with a tank capacity of 12.2 gallons ( contract is attached ). I filled a few liters of gas and the amount was about XXXX MXN peso. The attendant claimed the machine wasn't working and took it away. They then brought it back and said it went through. I did not have a receipt. When I checked my credit card statement, I saw a charge of {$100.00} USD. 

I immediately filed a dispute with my credit card company ( Chase ). The merchant provided a signed receipt that showed someone else 's signature. The signature does not match my signature ( as shown in my attached ID documents ) and I can confirm that this is not my signature. 

Chase dispute resolution transferred my case over to Chase fraud, who accepted it as a fraud case because of a forged signature. After investigating they said it was not a fraud case and needed to go back to disputes. It has been over 4 months of ongoing calls and I have spoken to them many times, and it keeps bouncing between fraud and disputes. No one at Chase is taking ownership of the case and they have said I am liable for this transaction, even though I did not authorize the transaction and the signature is clearly fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
We were refinancing our house with Union Bank in XXXX. We received approval of the loan - then the bank decided to add another point to the loan after approval. The loan had taken six weeks to process when I asked what was taking so long and why they added a point after approving the loan. They finally said they had decided to cancel the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I contacted ACE Cash Express today and they stated that my debt has been sold to XXXX ... yet another company called me about the same debt called XXXX ... 

On XX/XX/2019 I received a phone call from XXXX at XXXX from some company attempting to get documents to me for a matter that they had no information about. I asked for the number of the company that is trying to send me documents and they gave it to me along with a reference number XXXX On XX/XX/2019 at XXXX XXXX I called XXXX and gave them ( XXXX  ) my reference number XXXX and they stated Okay. So what I'm showing here, Mr. XXXX, is you are currently being pursued for breach and fraud of a contract that you had with ACE Cash Express. And it's looking like when executing the terms of repayment, you violated the binding contract with that company. Are you because of that? 

Please communicate in writing only do not call me.

Company response to consumer: Closed with explanation