vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 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: LA

Complaint narrative:
I submitted a formal dispute with XXXX, Equifax and XXXX   on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested XXXX, Equifax and XXXX to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. Equifax, XXXX and XXXX  did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in clear violation of my rights. I demand XXXX, Equifax and XXXX be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank closed my checking account by mistake. I found out on XXXX. They admitted the mistake said they would reopen on XXXX. But it has been several days and I can not reach anyone.

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 2019-01-10 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: NY

Complaint narrative:
I applied the American Express XXXX XXXX  credit card at XX/XX/2018. According to the advertise of this credit card, I should be able to Earn XXXX XXXX XXXX  Bonus Points as welcome bonus after you spend {$2000.00} in purchases on the Card within first 3 months of Card Membership, and I am charged with {$95.00} membership fee.

However, after I spend more than {$3000.00} in first 3 months, I didn't get XXXX XXXX XXXX  Bonus Points. I call the company and I am told that the welcome bonus of XXXX XXXX XXXX   Bonus Points was rejected when the card was approved at XX/XX/2018, without any notice to me. I am not informed with this rejection till recent and I spend a lot of money on this card after the card is approved. If I was noticed the rejection of the welcome bonus, I will not use this card last year.

I already call the American Express twice to solve this issue but they refuse to refund me the XXXX XXXX XXXX XXXX  Bonus Points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I received my credit report showing Kansas Counselors as a collection agency. The listed account was XXXX. I sent certified letters XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. In the first letter, I requested verification showing this debt belong to me. I have consistently asked for this information. Unfortunately, they have not provided the documents I have asked for ; however, they continue to communicate with the credit bureaus this debt is verified. Due to this inaccuracy, my credit score continues to decrease, my credit offers come with high interest and most times I am denied credit. I am need of your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
An auto payment of XXXX was processed by the American Express on XX/XX/XXXX ( 10 days before due. Somehow I set it that way because there was no option saying " pay on due day ''. It just allow you to setup autopay on 1-25 days after statement day. And no one was telling me due day is how many days after statement day ). However I did not have enough fund in the checking account it was withdrawing from. I haven't used this card or a long time and I total forgot the auto payment setting and I was planning to pay it before due. ( I scheduled a payment of XXXX on XX/XX/XXXX ) So I called American Express to stop the payment to avoid the overdrafting fee or returned payment fee. Amex said they could not stop it because it was all automatically processed plus it will make three attempts to withdraw the fund. I saw on my checking account that the withdraw was rejected and there was a XXXX  dollar return fee charge. Then on XX/XX/XXXX ( today ) Amex made another withdrawn request and I think it will be rejected and there is gon na be another XXXX  charge fee from my checking account. So I called Amex and asked them to stop the payment and I was told it can not be stopped and there will be another attempt on XX/XX/XXXXor XXXX   if this was rejected again. What I don't understand is that if there is no enough fund in the account why Amex kept trying it and for 3 times? It usually takes more than 3 days to transfer from banks to banks and sometimes if the amount is large it can take 5 days. Because of the setting of Amex I will be charged total of XXXX  dollars from XXXX XXXX ( my checking account ) which is unnecessary at least for the last 2 times. Further I don't know if Amex will charge me returned payment fee for 3 times. I already saw one of XXXX  dollars for the first attempt. there will probably 2 more. I feel like being ripped of by amex. I don't understand why Amex can not stop the autopay and why do they set it that way ( 3 times? Is that necessary )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been getting charged {$26.00} from XXXX every month for years now. They are charging me and I don't receive any services from them. I called and they cant find my account, but on my citibank checking account bank statement every month i'm being charged the {$26.00}. I am XXXX years old and living on fixed income, these charges are effecting my life.I am not covered by XXXX and despite my attempts I am never able to get stop these charges as they claim they can not find my account, but clearly they are still charging me every month. They sent me a policy tracker I mailed it out and never received a 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 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I opened a new checking account with Wells Fargo on XX/XX/XXXX. There was a promo valid until XX/XX/XXXX that was offering a {$200.00} bonus if a direct deposit of at least {$500.00} was received each month for three months within a 150 day period. The disclosure stated that the bonus would be deposited 45 days after qualifications had been met. On XX/XX/XXXX I noticed that I had not yet received the bonus. I emailed customer service and was told that they would have to investigate further and that I would receive an answer via US mail within 14 business days. On XX/XX/XXXX I received a letter from Wells Fargo that stated that I had failed to meet the direct deposit requirements. It said if I disagreed with the letter to call customer service. I called on that day and was transferred three different times. I first spoke to customer service they transferred me to a manager who said she couldn't help me and I was transferred to a customer support team at the corporate office. They all agreed that they were unsure why I had not received the bonus. The final customer support rep assigned me a case number and I was told that I would be contacted by someone from the consumer case management department within 24 hours. The following day I was contacted by XXXX from the consumer case management department. He reviewed the information and told me he would have to contact another department to investigate my claim further. I spoke with him on XX/XX/XXXX he promised me that he would get back to me by the end of the day or for sure by the next day XX/XX/XXXX. I did not receive a call yesterday and am now filing this formal complaint. In terms of documentation, I have all three statements showing that the qualified direct deposits were made for each of the following three months. Also, I have a print out of the promo, my approved application saying that the offer was attached and the offer disclosure. I am happy to provide a copy of the letter I received on XX/XX/XXXX. I am very tired of Wells Fargo. I would warn anyone and everyone to stay far far away from this bank. They obviously have no ethics or morals.

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 2019-01-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have tried to contact experian/XXXX / XXXX  on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with 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 2019-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Credit bureau reporting a account that doesn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i have tried to contact XXXX/transunion / XXXX  on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with 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 2019-01-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i have tried to contact XXXX/XXXX / equifax on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
The following Creditors XXXX XXXX XXXX, Discover and XXXX XXXX have " charged off '' my debt to the IRS ( not to be confused with discharged due to bankruptcy ) they are listed on my attached credit report line item # 3 XXXX  ) line item # 8 Discover ) and line item # 13 XXXX XXXX. I have attached the bankruptcy documents signed by Judge XXXX. Since these creditors had already charged off the debt prior to the settlement, these funds forwarded to the banks by the trustee need to be returned to the estate in full and closed out. The addresses and contact information are included on my attached correspondence. Thanks you in advance for your help with this situation. regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: MO

Complaint narrative:
I am sure that I have already paid this debt. I had gone to exhaustive measures to pay all the loans I had ever taken out several years ago and have not taken any loans out for many years. 
They say this debt was from XX/XX/2012. I know that a few years ago, after XX/XX/2012 but I'm not sure what year I paid everything because I had the money to and I knew I probably wouldn't get another chance. Since then I've had continuous phone calls and debt collections activities target me because of what I believe to be what is called " Zombie Debt. '' These collectors will send phony letters or even try and collect on legitimate past debts that has already been paid. I called a lawyer and they told me to come here but that the CFPB has been gutted by Trump. 
If you know of a good lawyer then email me their info because I would rather pay thousands to a lawyer now to make this stop than keep paying these XXXX every time they want to exploit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Atlantic Credit & Finance, Inc.
State: TN

Complaint narrative:
I received a overnight XXXX letter from company Atlantic credit finance XXXX XXXX XXXX VA XXXX XXXX we received a letter stating this was in Pre-legal notification to contact them to make arrangements with a payment plan of XXXX bi weekly by XX/XX/2019 or they will forward this to an attorney for litigation. Please keep in mind we have never received a ( 1st notice ) Letter ) this was the 1st letter that was ever received. I contacted this agency and wanted to honor what they had in writing for a payment arrangement, I spoke to two representatives by the name of XXXX and XXXX both advised me they could not honor what was in writing without a down payment of a percentage down? I advised them both this was not was was in writing and all we would like to to due to our financial status that I could afford. Both refused to honor what was received in writing. I have kept this correspondence along they both advised me that the call was being monitored and both did not give me the full mini Miranda. I will still mail in what the correspondence I received to show my good intent while there poor practices along with taking advantage of me as a consumer by misleading me to contact them with arrangements they offered me in writing and would not accept.

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 2019-01-10 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: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management has an account reporting on my credit report with XXXX. It shows opened XX/XX/2016 and has an open status. This does show included in bankruptcy in the notes and a XXXX  balance but they refuse to close this account. I disputed this with them and XXXX  but have not had this corrected. It is still showing open and under my collections on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NV

Complaint narrative:
On XX/XX/2019, One Main Financial illegally obtained my credit file. I called One Main to explain I did not authorize them to pull my credit. One Main told me to dispute it with XXXX. I explained that XXXX would require a letter from them to remove it, yet One Main refused to remove the inquiry. Today, XX/XX/2019, I contacted XXXX, per One Main 's suggestion. Just as I told One Main, XXXX requires a letter from One Main. I did not authorize this inquiry into my credit file, and neither XXXX, nor One Main will remove it. This is ONE MAIN 'S obligation and duty to request removal through the credit bureau ... NOT MINE. They illegally obtained my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECK INTO CASH INC.
State: MO

Complaint narrative:
I am sure that I have already paid this debt. I had gone to exhaustive measures to pay all the loans I had ever taken out several years ago and have not taken any loans out for many years. 
They say this debt was from XX/XX/2012. I know that a few years ago, after XX/XX/2012 but I'm not sure what year I paid everything because I had the money to and I knew I probably wouldn't get another chance. Since then I've had continuous phone calls and debt collections activities target me because of what I believe to be what is called " Zombie Debt. '' These collectors will send phony letters or even try and collect on legitimate past debts that has already been paid. I called a lawyer and they told me to come here but that the CFPB has been gutted by Trump. 
If you know of a good lawyer then email me their info because I would rather pay thousands to a lawyer now to make this stop than keep paying these XXXX every time they want to exploit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The following accounts are listed on my credit report and they do not belong to me. I never applied for these accounts nor did I create delinquent bills : XXXX XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  XXXX XXXX - {$0.00}

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 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/2013 Account Status Closed

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