vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-06 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: MT

Complaint narrative:
On XX/XX/XXXX I applied for a Citibank AAdvantage Platinum Select World Mastercard for my business, which was approved. 

I tried but could not save a PDF of the offer made to me on my computer. In each instance the link would print a blank page. I did not take a photograph of of the offer which I now do as a standard practice to prevent fraud. 

Before applying, I called a Citibank customer service representative who confirmed the details of an offer made by Citibank to me that included an award of XXXX XXXX miles I was eligible for. 

The offer made to my business by Citibank and the one I accepted was to make purchases of {$2000.00} or more within 90 days from opening my account to be eligible for an award of XXXX XXXX XXXX miles. 

I exceeded the amount of purchases required ( > {$3000.00} ) within the requisite period ( 90 days ) from when Citibank opened up my business account. 

I sent letters on XX/XX/XXXX and XX/XX/XXXX to Citibank and made several calls to their customer representatives. In each instance, Citibank wrongly insists I accepted an offer to make purchases of {$4000.00} or more within 90 days from opening my account. 

Citibank has not produced a copy of the contract offer made to me that I accepted to make purchases for my business. Nor did I receive any notice that any of the terms of Citibanks offer were changed in any way. 

Citibank refuses to award the XXXX XXXX miles I should have been awarded.

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 2019-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i have repeatedly asked for a debt validation from XXXX XXXX XXXX they have not sent me a contract that i have signed agreeing to pay any amount but yet they put it 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 2019-07-06 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: U.S. BANCORP
State: MA

Complaint narrative:
I received my credit card bill and paid the full amount. Then I found that I was continually being charged {$19.00} on my credit card from a company that I do not do business with. I called the bank and they credited the {$19.00} transactions in a very confusing way. Then I received a second statement for {$17.00}, which I also paid in full. I am no longer using the credit card at this point. I then received another statement for {$63.00} with no explanation of what the charge was for. 

I tried to call the bank and find out what the charge was for as I have had fraudulent charges in the past. The gentleman on the phone asked me how old was I, I am very offended at this as my age shouldn't have anything to do with what was charged on my account. I know am receiving harassing letters from eastern bank stating that I owe them {$63.00} and interest every month even though they can not tell me what the charge was. 

I wrote a letter to the bank and received a call from a woman named XXXX. I called the phone number given by her and haven't received any callback.

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 2019-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Attempted to contact amazon synchrony bank in reference to an inaccurate amount reported on my credit report. States that XXXX time was written off but states that XXXX $ is past due. Spoke with a representative to resolve the past due amount just to get it taken off my credit report and stated the only amount that I could pay was XXXX $ but it had already been written off. Attempted to resolve and dispute this account multiple times.

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 2019-07-06 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: U.S. BANCORP
State: CA

Complaint narrative:
After pulling my credit report in XX/XX/XXXX I noticed that there was a single late payment on my account that was incorrect. Within the next two months several more had been added to my account showing 30 day late payments. I contacted US Bank and the credit agencies multiple times showing my payments were made on time. I have filed several disputes with the credit agencies and US Bank. As of today XXXX is still showing four 30 day late payments. 

Due date XX/XX/XXXX : Paid XX/XX/XXXX ( {$160.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$180.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$190.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$610.00} ) Reporting 30 day late

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 2019-07-06 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I leased a new XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. XXXX, FL. All went well and I was a happy customer. On XX/XX/XXXX I went to shop for a new vehicle and find out if there were any specials going on. I was able to return my XXXX XXXX and lease a new XXXX XXXX XXXX. All was still fine and I was a happy customer. In XXXX my husband and I both received a bill for {$580.00}. I immediately contacted XXXX XXXX pertaining to this bill. I was told that since I had paid for an excess wear and tear policy on the equinox and leased another vehicle there should be no payment due. Before I could do anything about this, GM Financial reported this to the credit bureau as 90 days in the rears with a {$580.00} balance. In almost 12 years of leasing vehicles with XXXX my payments have never been late. As soon as this was reported to the credit bureau my husband and my credit scores dropped XXXX to XXXX and XXXX to XXXX. XXXX points and I am still trying to get it fixed. Numerous calls to GM Financial, numerous disputes with all credit bureaus and emails to XXXX XXXX which go unanswered. I have paperwork that shows I do not owed the excess wear and tear of {$150.00} and the disposition fee of {$390.00} that was charged in error as I leased another new vehicle from XXXX. I am getting no where with GM Financial, the credit bureaus, or XXXX after 3 months. This has damaged our credit scores and kept us from financial opportunities. The {$580.00} is still on my credit report and it is now showing 120 days past due. And still on my husbands credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: TX

Complaint narrative:
YOUR COMPLAINT On XX/XX/XXXX I requested TransUnion to correct personal details on my credit file. I provided copies of documents to verify my identification. My information is yet to be corrected. On XX/XX/XXXX, I requested verification of a public record, Bankruptcy on my credit report. I was informed by the credit bureau the information was confirmed by XXXX. I again in XX/XX/XXXX requested verification of the public record. On XX/XX/XXXX, TransUnion again informed me the information was confirmed by XXXX. My information was suppressed from XXXX XX/XX/XXXX. I purchased a vehicle in XX/XX/XXXX. My loan was approved by XXXX XXXX before I went to the dealership. I information the dealership of this and demanded them not to submit my application to other lenders. I requested TransUnion to remove all of the inquiries. The dealership can not provide documents bearing my signature to submit my application to additional lenders. I did not authorize this. XXXX XXXX is the bank with permission to pull my credit. 

I received results from dispute from TransUnion, dated XX/XX/XXXX. The bureau did not address the inquiries on my credit file, or personal data. Yet again TransUnion reported the public record has been verified. The bureau has not provided the method of verification. I have attached information from the Bankruptcy Court and XXXX confirming the information did not come from these sources.

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 2019-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I leased a new XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. XXXX, FL. All went well and I was a happy customer. On XX/XX/XXXX I went to shop for a new vehicle and find out if there were any specials going on. I was able to return my XXXX XXXX and lease a new XXXX XXXX XXXX. All was still fine and I was a happy customer. In XXXX my husband and I both received a bill for {$580.00}. I immediately contacted XXXX XXXX pertaining to this bill. I was told that since I had paid for an excess wear and tear policy on the XXXX  and leased another vehicle there should be no payment due. Before I could do anything about this, XXXX XXXX reported this to the credit bureau as 90 days in the rears with a {$580.00} balance. In almost 12 years of leasing vehicles with XXXX my payments have never been late. As soon as this was reported to the credit bureau my husband and my credit scores dropped XXXX to XXXX and XXXX to XXXX. 100 points and I am still trying to get it fixed. Numerous calls to XXXX XXXX, numerous disputes with all credit bureaus and emails to XXXX XXXX which go unanswered. I have paperwork that shows I do not owed the excess wear and tear of {$150.00} and the disposition fee of {$390.00} that was charged in error as I leased another new vehicle from XXXX. I am getting no where with XXXX XXXX, the credit bureaus, or XXXX after 3 months. This has damaged our credit scores and kept us from financial opportunities. The {$580.00} is still on my credit report and it is now showing 120 days past due. And still on my husbands 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 2019-07-06 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: FL

Complaint narrative:
In XX/XX/XXXX I leased a new XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. XXXX, FL. All went well and I was a happy customer. On XX/XX/XXXX I went to shop for a new vehicle and find out if there were any specials going on. I was able to return my XXXX XXXX and lease a new XXXX XXXX XXXX. All was still fine and I was a happy customer. In XX/XX/XXXX my husband and I both received a bill for {$580.00}. I immediately contacted XXXX XXXX pertaining to this bill. I was told that since I had paid for an excess wear and tear policy on the XXXX  and leased another vehicle there should be no payment due. Before I could do anything about this, XXXX XXXX reported this to the credit bureau as 90 days in the rears with a {$580.00} balance. In almost 12 years of leasing vehicles with XXXX my payments have never been late. As soon as this was reported to the credit bureau my husband and my credit scores dropped XXXX to XXXX and XXXX to XXXX. 100 points and I am still trying to get it fixed. Numerous calls to XXXX XXXX, numerous disputes with all credit bureaus and emails to XXXX XXXX which go unanswered. I have paperwork that shows I do not owed the excess wear and tear of {$150.00} and the disposition fee of {$390.00} that was charged in error as I leased another new vehicle from XXXX. I am getting no where with XXXX XXXX, the credit bureaus, or XXXX after 3 months. This has damaged our credit scores and kept us from financial opportunities. The {$580.00} is still on my credit report and it is now showing 120 days past due. And still on my husbands 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 non-monetary relief
Consumer complaint received 2019-07-06 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: Foreman Financial Inc.
State: CA

Complaint narrative:
Foreman Financial conducted a hard inquiry of my credit without authorization on XX/XX/2019.

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 2019-07-06 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: OH

Complaint narrative:
On the following dates I received responses to one of the many disputes I submitted to each of the Credit Reporting Agencies regarding accounts on my reports : XX/XX/XXXX - XXXX, XX/XX/XXXX - Equifax. On these responses the Credit Reporting Agencies stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, PACER, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XX/XX/XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to Equifax, XXXX and XXXX XXXX several times since XX/XX/XXXX. Each Credit Reporting Agency state on the credit reports, with the exception of XXXX, the bankruptcy information is being supplied by XXXX XXXX. XXXX does not say this on their report however they say to find out where the information is coming from to go to the website they have listed on the report. I have included attachments of the credit report pages with this information as well as a copy of the XXXX  website that shows they are also supplied bankruptcy information from XXXX as well as another third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: CT

Complaint narrative:
On XX/XX/2019 my credit score was pulled at least once by the Loan Dept at XXXX XXXX XXXX XXXX, CT after confirmation that they had pulled the score already on XXXX XXXX, 2019 via the online application that I submitted for an auto 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 explanation
Consumer complaint received 2019-07-06 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: OH

Complaint narrative:
On the following dates I received responses to one of the many disputes I submitted to each of the Credit Reporting Agencies regarding accounts on my reports : XX/XX/XXXX - Transunion, XX/XX/XXXX - XXXX. On these responses the Credit Reporting Agencies stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, XXXX, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to XXXX, Transunion and XXXX XXXX several times since XXXX. Each Credit Reporting Agency state on the credit reports, with the exception of Transunion, the bankruptcy information is being supplied by XXXX XXXX. Transunion does not say this on their report however they say to find out where the information is coming from to go to the website they have listed on the report. I have included attachments of the credit report pages with this information as well as a copy of the Transunion website that shows they are also supplied bankruptcy information from XXXX as well as another third party company.

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 2019-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inquiries removal I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries 1.XXXX XXXX Inquiry from XX/XX/2019 2.XXXX/XXXX  Inquiry from XX/XX/2019 3.XXXX XXXX Inquiry from XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2019-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I dispute these charges by this company. I am XXXX, i have disputed charges, XXXX XXXX charges unauthorized. Off shore debt buyer reported false information. I have been XXXX since 2013. 
When contacting agency computer messaging and customer care they were unable to provide appropriate information for filing discrepancy with their accounts charged off. No one would discuss accounts unauthorized charges that appears on credit report. 
I have received repeated excessive calls from this international who have excessive harrassing calls and inflation of chagers that never existed. 7 days per week. Thirty different numbers calls cell phone 7 days per week any day and and time. Falsely filed a $ XXXXdebt to XXXX XXXX and {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 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: CT

Complaint narrative:
On XX/XX/2019 my XXXX XXXX was pulled at least once by the XXXX XXXX at XXXX XXXX XXXX XXXX, CT after confirmation that they had pulled the score already on XX/XX/2019 via the online application that I submitted for an auto 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 explanation
Consumer complaint received 2019-07-06 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: CT

Complaint narrative:
On XX/XX/2019 my credit score was pulled at least once by the Loan Dept at XXXX XXXX in XXXX, CT after confirmation that they had pulled the score already on XX/XX/2019 via the online application that I submitted for an auto loan.

Company response to consumer: Closed with explanation