vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: WA

Complaint narrative:
I need the transaction history records for my Fidelity Visa credit card going back five years from now ( i.e., to XXXX, XXXX ). This credit card is currently controlled by Elan Financial Services who took control of the card from XXXX  XXXX XXXX in XXXX, XXXX. Elan has provided me with my transaction records going back to XXXX. Elan has repeatedly told me by phone and by the attached fax that they can not provide me with records prior to XXXX, XXXX. Elan suggested that I get the records from XXXX XXXX  XXXX ; however, XXXX   XXXX XXXX has repeatedly told me by phone that these records were given to Elan Financial Services when they took over the card. Does changing control of a credit card from one company to another render prior transaction history inaccessible to customers?

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 2019-06-28 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: FL

Complaint narrative:
I have negative remarks on accounts that don't even belong to me on my credit file.

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 2019-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have negative remarks on accounts that don't even belong to me on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I received an offer in the mail from HSBC in XX/XX/2019 for a credit card offer with a promotion for zero interest rate on purchases and balance transfer for 18months. 
I went on-line and applied for the 18 month promotion. 

I have done this in the past with other cards and use the no interest period often for a balance transfer and pay it off. I am also a XXXX   XXXX XXXX for 20 years I am aware of terms. 

I received the card along with the offer letter dated XX/XX/2019. Please see attached letter. Again it clearly states 0 % for 18 months. 

I received a letter dated XX/XX/XXXX. See attached. I called the number on when I read it around XX/XX/XXXX and got the run around put on hold for 25 minutes. ect really a nightmare. Finally spoke to a manger named XXXX he admitted that they had meetings about this false Advertising and was instructed to ignore any calls and about this issue that most folks would get frustrated and stop calling. But he would expiate the issues and call me back on Friday the XX/XX/XXXX. he did call me back and gave me the run around again per upper management. Keep in mind all this comes out of the XXXX call center you can not speak with any on in authority in the USA. 

I called again today XX/XX/XXXX again with no results. 
This is bait and switch Advertising and illegal in all US states.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America took {XXXX} from my personal checking account and left me with only {XXXX} dollars in my account. My mortgage payment was scheduled to come out as well which caused my account to become overdrawn. My mortgage payment was returned and I have talked to over XXXX people at the bank and they still refuse to refund my money. I need to pay my mortgage payment.

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 2019-06-28 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: MO

Complaint narrative:
After looking over my credit report there were inquiries being reported on my credit report by Transunion. 
1XXXX/XXXX 4/3/19 2XXXX/XXXX  -- - 3. XXXX XXXX 11/21/18 4.XXXX XXXX 3/8/18 I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Transunion is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Transunion is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Transunion Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-06-28 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: CITIBANK, N.A.
State: VA

Complaint narrative:
My credit limit was decreased $ XXXX based on a delinquent payment on a different account. That was a error on my credit report. I have resolved the error and it has been removed from all 3 of my reports. The credit limit decrease was done based on an error in my credit report. Once the error was corrected and removed I was told by customer service that theres nothing they can do. 

Again my credit limit was decreased based on an error. Once the error was removed they wont discuss or reverse the decision even though its based on wrong information. The adverse action should not still apply if its based on wrong 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 2019-06-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have send numerous letters to experian, all letter go with : 1.-copy of credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XX/XX/XXXX &  XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them

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 2019-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: IL

Complaint narrative:
In XXXX I took out two payday loans with XXXX Loans. At some point I defaulted on the loans and XXXX garnished my wages to fulfill the remaining balance of the loans. I received my original contracts back from XXXX stamped paid in full. On XX/XX/XXXX Douglas Chancellor Meyers, a debt collection company, listed a new item on my credit report for {$140.00} with the original creditor listed as XXXX loans. I called XXXX and they stated that all of my loans were paid in full and I needed to contact Douglas Chancellor Meyers to have the item removed. As of XX/XX/XXXX, I have never received a phone call or letter notifying me of this debt or my ability to dispute it. On XX/XX/XXXX I sent a certified letter to Douglas Chancellor Meyers disputing this debt, and requesting proof of the debt owed. As of today, XX/XX/XXXX, I have not received an acknowledgement of receipt of the letter, nor the documentation requested. Meanwhile the debt is continuing to be reported to the credit bureau with the last reporting on XX/XX/XXXX. This is lowering my credit score, and for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I PAID A COMPANY CALLED XXXX XXXX ON XX/XX/2016 {$1600.00} USING MY CHECKING ACCOUNT. THIS COMPANY TOOK ADVANTAGE OF ME. THEY DID NOTHING AT ALL FOR ME. I TRIED TO FILE A FRAUD WITH MY BANK AND IT WAS DENIED. THE COMPANY WON'T RESPOND TO ME OR ANYTHING.

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 2019-06-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was contacted by a company called XXXX  XXXX XXXX on the evening of Wednesday, XX/XX/XXXX. They had most of my information already, my name, the last 4 of my social, my birthdate, everything. They claimed to be a partner of the Federal Government, and claimed that under an education rider on the ACA act, they could pay off most of my student loans and take over completely from my loan provider, then I would pay them a decreased amount from my current payment. I fell for it stupidly, gave them my social, and suddenly all my student loan account information had been changed and I was getting notices from Navient and XXXX  about all of it. All the research I did indicated they lied about several things, they were not a legit company, and they were scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/2019 I have opened a dispute with the bank against XXXX XXXX XXXX in XXXX, XXXX for a trip to XXXX paid for on XX/XX/2019. 
The company 's representative cancelled our tour participation while in XXXX as retaliation for bringing up an illegal practice of selling the health supplements as medical treatment with supposed authorization by the US FDA. The dispute was documented in detail including a statement from the FDA in a 14 page fax sent to Capitol One and confirmed received. 
Subsequently the Capital One issued a credit and then check in the amount of the dispute. 
Today I received a letter from Capital One stating that there will be a charge back as the company forwarded a merchant 's statement about the merchant 's cancellation policy regardless of fact that the merchant 's representative cancelled our tour and not us. Subsequently I authorized my husband XXXX XXXX to speak to Capital One dispute dept and my husband was informed that the Capital One didn't even bother to analyze any info sent to the bank by me in XXXX and the notice with charge back was sent out automatically upon receipt of merchant 's response without any analytical input or review of documentation provided prior to this decision. 
It is apparent that the Capital One dispute dept process is fake and actually nobody has read provided documentation and evidence ( this fact was actually acknowledged by the employee XXXX in XXXX, FL service center ) It is apparent that the Capital One 's process is to automatically close the dispute and re-bill the account without any type of analysis or even comprehension of the response determined by submitted docs and evidence. This not only shows bias against the customer using the card that didn't receive the service paid for but it shows the Capital One is aiding and abetting fraudulent activity by the merchant. 
The only excuse and justification for this state of affairs given was that this is an automated system which both defies logic and a common sense. 
It is also very deceptive as it appears that the bank is interested in getting the customer involved in prolonged and long process of dispute in bad faith as it has no intention to either analyze the info provided and provide a determination of the outcome of the case based on documents and evidence provided. 

Two questions : 1 ) why the dispute system is designed this way and what is the percentage of disputes that are determined in favor of cardmembers vs the merchants? 
2 ) what are the employees that have dealt with my complaint ( please provide employee numbers as I want to determine the case flow and who actually made a decision in the process in what time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: FL

Complaint narrative:
i have send numerous letters to XXXX, all letter go with : 1.-copy of credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them

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 2019-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have send numerous letters to XXXX, all letter go with : 1.-copy of  credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non  specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX I charged XXXX at XXXX XXXX XXXX XXXX after making a return for XXXX I was on my lunch break and in a hurry.. not sure if I left me card inside, in the machine slot, dropped it out of my hand inside store or outside the store .. I realized I didnt have it when trying to go through a drive through for a quick lunch ..., so the last place I used it was XXXX ... I immediately freaked out..so I called them and they said someone turned it in ... I went back and got it..it was out of my possession for Mabey 10 min or so..when I got statement next month I saw a charge for XXXX ... I never spend that a XXXX store and could easily be verified by looking at my XXXX spending history on my statements. I immediately realized someone must have used my card in those few minutes and then turned it in..I called and reported it to Citi Cards and they shut down my old number and I had to get a new card and redo all my automatic payments ... .which is a very inconvenient. But worth it because that person could have took a screenshot of my card before turning it in ... someone did not due their due diligence about this claim. I have never had a credit card company treat me so bad. It was a representative named XXXX XXXX. Who made the decision not to validate my claim ... he said that if the merchant gave me my card back if was on them .., I said XXXX , Citi Bank , nor myself made those charges ... but Citi Bank is my credit card holder and is suppose to protect me from fraud. XXXX never makes a claim to protect me in case of fraud ... I am very dissatisfied and disappointed in Citi Cards and Citi Bank. I have been a good customer for several years.

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 2019-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Elite Recovery, LLC
State: WI

Complaint narrative:
Was called by American Elite, a XXXX XXXX, he said they have attempted top serve me papers for the district Atty. Non of this took place. Said they will be tracking my phone to send a uniformed officer to my location. I said I was going to record the call and he hung up. 

This is the second time I felt with this company same tactics.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-28 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: MI

Complaint narrative:
After looking over my credit report there were inquiries being reported on my credit report by Transunion. 
1XXXX XXXX XX/XX/XXXX 2XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX I have also disputed with the creditors as well , I send them a letter that I have attached to this complaint, and Transunion is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Transunion is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Transunion Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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