vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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: AL

Complaint narrative:
The Citibank credit card company sent to my citi app with the promotion offer of XXXX bonus mile after spend of {$4000.00} in 4 months. I was apply and got approved. I called customer service after received the credit card to confirm the offer and the customer service indicated that I will receive the promotion after spend {$4000.00}. On XX/XX/XXXX, I called the customer service to ask for my bonus miles because I spend over {$4000.00}. The gentlemen customer service said the XXXX bonus miles will show in the XXXX statement. The XXXX credit card statement came without the bonus miles so I called the customers service on XX/XX/XXXX and spoke to another gentlemen and this time he said because I have the citi business card back in XXXX and they can not give me another promotion. I explain that I received the promotion offer and I would like to speak to the supervisor. I did explain ( again ) to supervisor the issue and demand for XXXX miles bonus in the agreement. She said that she can only offer me XXXX bonus mile and {$100.00} in the statement. I didn't agree with the offer and would like to speak to the consumer care manager in the USA, she did transfer me to another supervisor name XXXX who locate in Florida. 
This lady name XXXX is so unprofessional and rude, she told me that I should read the footprint ( very small ) in the application before apply for the credit card. She also said I should contact the AAdvantage program to complain about this issue. On XX/XX/XXXX, I called AAdvantage, the customer service said they have nothing to do with this issue and I should call the Citi bank credit card. I call Citi bank credit card back and this time I accept the offer of XXXX miles and {$100.00} to approved of the wrong doing from this company. Another reason I accept this offer because anytime I called someone will tell me different story. 
I disagree with the Citi bank credit card settlement and believed that I am a victim of scam from this company. I strongly demand for the fully of XXXX bonus miles in the agreement that the Citi credit card promised to offer in the application.

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 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name:XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX 6. Account Name : XXXX XXXX Account XXXX XXXX. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2023-06-20 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: MD

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-20 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: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
5 third Bank charge so much in overdraft fee ive been overdraft XXXX days and i went from over drafting in the amount of XXXX now i owe XXXX dollars in over draft ive paid multiple overdrafts with fifth third they have told me the system has not updated and thats why when you paid the fee it hadn't updated in the system that's why i got charge ive been with then for XXXX months and have paid over XXXX in ovetdraft fees with overdrafting in small amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: EQUIFAX, INC.
State: OK

Complaint narrative:
There was a security breech and I lawfully have the right to have any negative marks or delinquent bills, charge offs, or other negative marks removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: MD

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
Hi, my social security number has been compromised. Noticed it first when a XXXX account was opened in my old name, XXXX XXXX and my SSN. Took care of that issue and thought it was over. Then I saw that there was a collection on my credit report and when I called, they said someone opened a XXXX account back in XXXX XXXX  in an address I do not know, using my old name, XXXX XXXX, ( Legally changed to XXXX XXXX, back in XXXX  ), and my SSN. So had to dispute this. Dont want this to get serious where the police is at my door for something and its not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
15 usc 1692d violations phone calls with deceptive actions and vulgar language by agent XXXX XXXX by pnc bank phone call at XXXX XXXX. Please cease and desist all deceptive phone calls and business practices. Please mail all information questions and concerns, certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic XXXX and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XXXX of XXXX, I returned shoes that I purchased from XXXX totaling to the amount of {$3900.00}. This merchandise was returned in accordance of XXXX XXXX return policy and was returned using a return shipping label that they provided me. By XX/XX/XXXX, I had not received my refund for the amount stated above and I reached out to Wells Fargo to dispute the initial charge on the grounds that I returned my merchandise to the merchant and they will not issue credit. Alongside filing this claim, I provided Wells Fargo with as much relevant information as I possibly could including evidence of the attempts I made to resolve this issue with the merchant, the return tracking details, the order summary, confirmation from the merchant that they have received my return, etc. After months of debate, Wells Fargo has concluded that they will choose to ignore all of the evidence that I've provided and they will not complete my dispute without a written confirmation from the merchant that states " I am supposed to receive a refund ''. This is the most absurd thing I have ever had to deal with because I've done everything in accordance with the merchant 's policy and they are still choosing to ignore all of the evidence I've provided. I feel discriminated against and this response is completely unacceptable because we're not talking about a small amount of money here. I have full documentation showing I returned the merchant 's items and that constitutes a refund, it's as simple as that.

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 2023-06-20 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: UPGRADE, INC.
State: FL

Complaint narrative:
I had two forms of payments on my account for automatic deductions and have never been late on my account.

My brother had XXXX XXXXXXXX and I left for XXXX weeks to take care of him and my parents or father who has XXXX. It was a nightmare having to tell my dad everyday that his son was XXXX and watch him sobbing. 

During the six weeks when Upgrade tried to pull my payment my bank did not have funds but I was not worried because I had a second account on my account with them. I also did not know the payment was missed.

When I returned home after my brothers funeral and noticed the payment was missed I made it immediately. I was told by upgrade even though I have a backup account they can not pull from this account. I explained my situation and showed them my airline tickets for my six week stay and my brothers funeral announcement. Upgrade stated if I sent in a complaint to the bureaus they would take this late payment off my credit and I have tried twice and they still have it on my credit reports. 

This has made my credit drop over XXXX points and has hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have received several inquiries from banks such as XXXX XXXX and XXXX XXXX that I have not made.

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 2023-06-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP
State: FL

Complaint narrative:
I've sent 2 identity theft report XXXX of XXXX  and XX/XX/2023, I provided them with everything they requested and I'm still getting ignored. So here is goes. US BANK IS OBLIGATED BY FCRA TO REPORT ACCURATE ACCOUNTING THE CONSUMER HAS ADVISED ALL THE FRAUD. THE COMPANY ACCORDING TO LAW TO REMOVE SUCH ITEMS, FTC FRAUD REPORT WAS FILED ON THE BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING US BANK TO PROVIDE THE DOCUMENTATION USED TO DETERMINE EVIDENCE ON THE PUBLIC AND PRIVATE SIDE WAS INDEED AUTHORIZED BY THE CONSUMER, US BANK HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON SPOKEN TO, DOCUMENTATION USED, SIGNED WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR AN E-OSCAR REPORT. IF US BANK DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER SEC TO FOLLOW CERTAIN RULES. US BANK COMMISSION NUMBER XXXX, XXXX XXXX XXXX XXXX, MINNESOTA, XXXX. DEBT SECURITIES ISSUED U.S. BANK ASSOCIATION. TRUST SECURITIES ISSUED BY XXXX XXXX XXXXXXXX. FIXED TO FLOATING RATE PREFERRED STOCK ISSUED BY XXXX XXXX XXXX. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMER ACCOUNT. US BANK IS SECURITIZING CONSUMER DATA YET REFUSED TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT. BY : 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 non-monetary relief
Consumer complaint received 2023-06-20 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
We opened an account with Greensky to finance a home project. I set up my online account and added in my bank info for auto pay. I paid the first payment XX/XX/XXXX manually. Autopay was supposed to start XX/XX/XXXX. It attempted to pull the payment from my bank and then reversed it ( I did not know this ). My next statement ( XX/XX/XXXX ) stated that there was a payment due. I went online and checked and it said it was paid up to date. I assumed that it was a timing issue with bank transfer and due date. I get my next statement XX/XX/XXXX and it says I have a payment due AGAIN. This time I called the company ( this was end of XXXX, XXXX ), and at that point found out that the autopay wasn't going through ( error in their site ). They told me I needed to delete my banking info and put it back in, which I did, and added a second bank account as well. However, the account had gone 30 days late, 5 days prior to me doing this, and therefore a XXXX mark on my credit. The company said they called my cell ( but told me they didn't leave a message ) to let me know there was a problem. What is the point of contacting the consumer if you aren't going to actually make contact? They did email me, but their email had gone into spam. My personal email gets a LOT of junk, and I didn't see it. My credit was perfect before this. It dropped from XXXX to XXXX because of this company. This was not my fault, I take my credit health very seriously, and have worked very hard to keep my credit in excellent status. Greensky was not willing to help me, nor take any responsibility for the technical errors with the autopay. This has destroyed my credit. We are in the process of building a home and this is a real problem. I just want it removed and my credit restored back to what it was. I NEVER pay anything late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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