vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Big Lots is refusing to close rewards card # ending in XXXX & has ignored email request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: OK

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX [ XXXX ] XXXX - XXXX On, or about XX/XX/XXXX, XXXX was ACTIVELY advertising, as usual, their so-called " XXXX Credit Card " with a {$150.00} incentive. At that moment, I chose to go to the APPLICATION page. After examining the page, I did fill in my name, and address fields, but, in second thought, I reneged, that is, I decided NOT to continue to fill in the questionaire, and I simply left the page, and, continued to search for an item for which I was seeking. I have been an active XXXX  REGISTERED SELLER, Since XXXX. As such, XXXX has my BIRTH NAME, ADDRESS, CITY, STATE, and postal Zip Code, and e-Mail address. 

A few days later, I received an ALERT from my Bank 's unit, XXXX XXXX, informing me that my CREDIT SCORE, had been DAMAGED, from an ILLEGAL HARD PULL, by an organization, known as, XXXX XXXX, in XXXX, CONNECTICUT. I have searched for as address on this perpetrator,, but, in spite iof the fact that they a have a downloadable, 40 + page Public Relations gimmick, they have apparently gone to extraordinary lengths to hide their physical address from consumers. 

THEIR HARD PULL, on my Credit Bureau, had damaged my CREDIT, by lowering my score, two points. I am working very hard, to repair my Credit Score, as I had serious health issues, in XXXX, and those debt, left me bereft of a good credit score. 
I DID NOT APPLY, for a ANY LINE OF CREDIT As such, I wish to politely request a FULL AND COMPLETE INESTIGATION, and a DEMAND FOR REPAIR, and a FORMAL LETTER OF APOLOGY FROM XXXX XXXX. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX, OK XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: DE

Complaint narrative:
I recently lost my Discover Credit Card and informed the company about it through the mobile app. They included a notification before deactivaing my account that my online transactions and in store purchases on old account will be deactivated and they will send a new card the next day. On XX/XX/XXXX, after I received the new card, I could still use my old card to make a purchase on XXXX, I reached out the company about stopping all kinds of transactions on my old account including recurring charges ; they assured me that they have rechecked it and will stop all the transactions immediately. On XX/XX/XXXX, I could still make purchases on XXXX 's. Also, my recurring charge of XXXX monthly payment went through on XX/XX/XXXX. ( which btw is NOT marked recurring on Credit Card statement ). 
I called Discover to see what went wrong and why haven't they still not closed my account completely. The agent goes on saying that they can not do that, the agent on XX/XX/XXXX misinformed me about the policy. And recommended that I contact each and every merchant to update my billing information. I have thousands of merchants that I used over last 3 years with discover card, now they want me to reach out to each of them seperately to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : AMEX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: NJ

Complaint narrative:
Hi, I had called Citi credit card to enable the 5 % cash back they confirmed they enabled it how ever when the time came to give me the % 5 cashback they did not give me the same so i called them and asked for it they said my 5 % was not enabled it was probably enabled on my husbands card to which i am added account holder.After a lot of argument they gave me XXXX $ in cash back however i deserve XXXX $ more of cashback. 
the ignorance on enabling the cashback was on the account of CITI customer service rep i should not be penalized for the same. I demand XXXX $ more in cashback. 

thanks 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 explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
My cash app account was closed with an account balance of {$1400.00} for an unstated terms of service violation. Due to this, I am unable to withdraw my money to my bank account from the app. I have emailed support and was told to simply cash out my account, which I am unable to do because my account is closed. Now whenever I email I am simply met with a canned response telling me my account is closed and that I need to cash out, but the cash out fails every time. In my opinion, this is robbery because theyre preventing me from accessing my own money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: NY

Complaint narrative:
These accounts are past the reporting time that the credit bureaus can report negative information on the credit report and I've sent them dispute letter about 30-40 ago and they sent a letter back stating it was verified. I believe this is a violation of the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2019 I stopped payment on a {$15000.00} loan, which was through XXXX XXXX and XXXX - the monthly amount, {$400.00}. I did this for two reasons : I was out of work and couldn't pay the loan, and secondly, I had been scammed. Part of the loan was to pay XXXX XXXX and XXXX XXXX, via XXXX XXXX XXXX, XXXX, {$13000.00}. The remaining balance of the loan was to pay for leads to build an income. Nothing came of it. 

I am filing this complaint because I want my credit score restored. Per my discussions with representatives from XXXX XXXX and XXXX, they can do nothing to clarify why I stopped payment. They can only report that I stopped making payments on the loan. They are fully aware of the lawsuits and my requests, via an attorney, to be reimbursed.

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2019 I stopped payment on a {$15000.00} loan, which was through XXXX XXXX and XXXX - the monthly amount, {$400.00}. I did this for two reasons : I was out of work and couldn't pay the loan, and secondly, I had been scammed. Part of the loan was to pay XXXX XXXX and XXXX XXXX, via XXXX XXXX XXXX, XXXX, {$13000.00}. The remaining balance of the loan was to pay for leads to build an income. Nothing came of it. 

I am filing this complaint because I want my credit score restored. Per my discussions with representatives from XXXX XXXX and XXXX, they can do nothing to clarify why I stopped payment. They can only report that I stopped making payments on the loan. They are fully aware of the lawsuits and my requests, via an attorney, to be reimbursed.

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 2020-01-13 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: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : 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 explanation
Consumer complaint received 2020-01-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST MIDWEST BANCORP, INC.
State: IA

Complaint narrative:
i opened a checking account with first midwest bank ( firstmidwest.com ) in XXXX in response to a offer to receive a {$250.00} bonus after completing certain activities. I completed all activities on XX/XX/2019 and on XX/XX/XXXX I sent a message to them asking why I had not received my bonus. Here is the message I received in response. 
" XXXX, It looks like your account did not meet all the required criteria for the {$250.00} promotion. You did not have a positive balance. The balance of the account at the time of payout was a {$0.00} balance. '' I then sent them a message saying that it is correct that my account had a {$0.00} balance at one time, it was not my fault - it was due to a bank problem. The monthly service fee terms on their website say no fee if you are XXXX or older, I am XXXX. My account had a balance of about {$2.00} and they deducted a fee bringing it to {$0.00}. I called them and they coded my account correctly and refunded the fee. but still have no {$250.00} new account bonus.

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 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a card that was opened in approximately XXXX of XXXX. The card had a substantial number of points on it and I received an email stating that the points existed in mid XXXX. Nowhere in the email did it state that the points would be taken away, but instead it states that the points don't expire for 3 years. The email ( even the fine print ) is very clear. Shortly after this email I went to the XXXX XXXX Store ( where the card was initially applied for ) to use the points to buy an new helmet and was sent on long goose chase and run-around. 

I was finally notified that the card was closed in XXXX prior to my even receiving the email stating that the points existed for use. When asked why I was not notified they stated that they sent a single letter in the mail, which was never received. When asked when the letter was sent, it strangely was sent also after they state that the card was already canceled. 

The rewards balance mentioned in the email I received on XX/XX/XXXX is {$370.00}.

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 2020-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: Atlanticus Services Corporation
State: NE

Complaint narrative:
I reached out to Fortiva ( XXXX XXXX XXXX, XXXX, GA Phone : XXXX ) in XXXX of XXXX because there was an inquiry on my credit report. The person I spoke to said there was an inquiry made, a card was offered but was not accepted. I explained I have never heard of them, was not interested in a credit card and this was fraudulent. The customer service rep said that everything was " deleted '' and that it should come off my credit report. I then on XX/XX/XXXX filed another dispute which came back as " inquiry is a factual record of file ''. 

On XX/XX/XXXX I called the fraud department at Fortiva and spoke to " XXXX '' who said the same thing, put me on hold and then came back and said we refuse to do anything about it. 

I want my report clean of this fraudulent company and ask that they be sanctioned for not following Fair Credit guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Sun Trust advising me that a hold had been placed on the new account that I had opened online because the amount of the check submitted was very high and it is their policy to put a hold on it. On XX/XX/XXXX, I went to the local Sun Trust branch to alert them that I had not opened this account and that someone was using my identity to open the account. A lady named XXXX ( at the bank ) alerted the Sun Trust fraud department ; she assured me it would be taken care of. 
Since that day, I have continued to receive communication from Sun Trust telling me that a fee of {$12.00} has been placed on the account because of the fraudulent check submitted when opening the account. I have spoken with Sun Trust five times about this issue and I am continually told that it is being taken care of ; however, the letters still come. The notice sent to me dated XX/XX/XXXX, contains a threat that if I do not pay the XXXX fee, they may report this to check reporting agencies which may impact my relationship with other banks. My credit is excellent and Sun Trust bank is threatening that. I have included communication I have received from Sun Trust. You will see they are ignoring the reality of identity fraud.

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 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: PA

Complaint narrative:
Company is Credit Protection Assocation. They have repeatedly have been trying to collect a past due XXXX XXXX bill that does not belong to me and from an address i have never resided at. Have had debt removed twice and they keep putting it back on and will not provide me with any authorization of debt. Also they keep closing out the debt only to reage account to collect past statue of limitations. Amount is for XXXX from XXXX XXXX my local gas company. Although i have never had XXXX XXXX services in my name ever. Plus when you call the number on credit report to reach company it is not the correct company it is something called XXXX XXXX XXXX. Have alsonhad removed from other reporting agencies however XXXX  doesnt seem to want to help either they seem to verify false information to keep listings on report that are not valid or wrong.

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