vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-29 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: MD

Complaint narrative:
There is an account on my Equifax credit report from XXXX XXXX XXXX that was just added in the month of XX/XX/XXXX. The account is showing a status of open and last reported to Equifax on XXXX XXXX. However this account was never on my Equifax credit report until XX/XX/XXXX. Not only is this account reported incorrect but should have not been reported to Equifax at all given the fact that this account was included in bankruptcy and discharged on XX/XX/XXXX, and was only reported to XXXX which have it listed as closed due to the bankruptcy. I have put in a complaint with Equifax about this issue but did not come to a solution because they are stating that the information they have received is accurate when in fact it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In appliying for this new credit card, I was promised XXXX XXXX points ( XXXX XXXX Rewards points ) if I made {$3000.00} of purchases in the first 90 days of card membership. I made the required purchases in the first month of cardmembership ( in XX/XX/2018 ). Now, nearly eight months after completing the required spend, I still have not received the promised points. Ive called AMEX customer service about the issue at least six times to no avail. Each time Im promised they are working to resolve the issue. Please help me secure the promised reward points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Account opening promotional bonus not credited within 95 days as stated in the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
The promotional opening account bonus has not been credited in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
About 8 month 's ago i discovered i was a victim of identity theft which was very disturbing to me to find out that someone unknown to me had used my personal information to get credit cards, phones etc. under my name and since i was not aware of these accounts they ended up getting charged off and some ended up in collections.At that time i field an FTC REPORT and send it to all credit bureaus and notified them that i am a victim of identity theft. a month later i received my new updated credit report which showed they removed items that was opened up fraudulently, about amount later i got an alert that i have a collection account that is reporting on my credit report i immediately purchased a copy of my credit report and discovered a collection account for an unpaid telephone bill from company called IC SYSTEMS INC, I contacted the company and told them this is a fraudulent account that some one had used my information and the representative asked me if i have a police report and i told them no but i have an FTC report and she said if i get a police report she can remove the account from my credit report, obviously thats what i did and faxed the papers to them and the item still at my credit report. Also this account was not in my credit report originally.

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 2018-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: NM

Complaint narrative:
I have reached out to Waypoint Resource Group Several times, by phone and E-mail, to which I have not had a resolution. 

A collections account was placed with Waypoint Resource Group from XXXX, Client Reference #  XXXX. This account was quickly settled with XXXX, the original creditor, directly ( Proof Of Payment and Communication from XXXX, attached ). Such account was agreed, in writing to be retracted and removed form Waypoint Resource Group as the Creditor. As stated, Waypoint was contacted and advised of such, in addition, I requested to have a deletion letter forwarded to myself and for such account to be reported, accurately, as deleted to all, credit bureaus. 

I have not heard back from Waypoint Resource Group and am now demanding that they address this account in a quick and timely fashion by providing a, over-do, deletion letter and prompt reporting to the credit bureaus of their dealings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I was asked to pay {$500.00} to settle this account. This happened in 2016. They are not getting anymore money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018, I got involved in a Citibank promotional offer which offered a cash bonus of {$400.00} if I kept {$15000.00} in a checking account for 150 days. I opened a checking account and deposited the money. The 150 days was up on XX/XX/XXXX, but I have not yet received the bonus. Three disputes have been filed, but no one knows how to solve this problem. It has now been 168 days since I deposited the required {$15000.00}. Disputes have been filed but nothing is happening. Citibank is in no hurry to resolve this dispute although it is not a very complicated case. No one knows how to handle this situation. 
I would really appreciate your help in finding out what's going on. 

Thanks very much. 

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 monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I was most likely sent to a 3rd party website that made me agree to something that I did not Agree to.

I did not give you consent to take money out of my accountTrans Union has taken a dollar and then {$20.00} out of my account and nowSince they did that they have overdrawn my account and charge them for {$40.00} I demand a refund and a refund of {$40.00} that is a total of {$71.00} that you owe me. You have done nothing to help All you have done this is cost me money than I don't even have.

I demand a refund immediately And and subscribed meDelete my information or I will go to my lawyer.

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 2018-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am trying to get money refunded of the amount of {$90.00} using Paypal. I payed this money to a person named " XXXX XXXX '' living in XXXX who said he would give me two accounts on a a game called " XXXX '' for that price. We agreed over XXXX on XX/XX/XXXX that on the XXXX of XXXX, I would receive my accounts as he has accepted the money transfer and I have shown proof of the purchase. It is now early XX/XX/XXXX and this person has continuously dodged my questions and will not hand over the required property. He has now said that he wants me to send his step-dad {$40.00} to ensure the account even though that wasn't the agreement. I have filed a complaint through the resolution center on Paypal and waiting for a response. I figured contacting this company would help ensure this money is refunded as it is a lot to me and would like it back as it is rightfully mine. 

Screenshots of conversation ( I am XXXX in conversation ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Hello I am writing to you hoping you can help me, I have had so many issues with my bank, I have called, went into local branch, changed my debit card twice and still same issue occuring, also when I had a refund in the amount of XXXX from XXXX on XX/XX/XXXX it never was processed, I called and finally after third time I was able to speek with manager who then proceed to apologize and say they where having alot of refund issues during that week, but that didnt help me with over 200 in overdraft fees, and my car insureance was going to be canceled because of the amount of money they where taken out from me with no refund, two days later I recieved an email from XXXX stating my bank is demanding the XXXX because it was fraud!!!!!!!!!! THEY ARE LIERS, AND I FILLED OUT FORMS TO STOP random withdrawals from internet sites such as XXXX, XXXX, XXXX, XXXX, ect they have charged me over 600.00 due to all of this and still proceed to withdraw. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I mailed a certified letter to them on XX/XX/2018. They received my letter on XX/XX/2018. They completed their investigation on XX/XX/2018 stating that they verified the information and it was certified accurate. I have proof from the courts and I have a security freeze on my 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 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
When coming to XXXX  XXXX  I noticed a hard inquiry from PayPal I never authorized for them to pull my credit. I do not even have a PayPal account. Please look in to thos matter for me. I greatly appreciate it. 
Sincerely, 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 2018-12-29 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:
XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit  reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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:
XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-12-29 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:
XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-12-29 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:
XXXX XXXX XXXX XXXX  and XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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:
XXXX XXXX XXXX XXXX and XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-12-29 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:
XXXX XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MO

Complaint narrative:
I pulled my credit reports and observed the account - XXXX XXXX XXXX - remarked the credit line was closed with a past due balance of {$920.00}. In XX/XX/XXXX, the account was listed as 30 days late. In XX/XX/XXXX, the account was listed as 60 days late. In XX/XX/XXXX, the account was listed as 90 days later. In XX/XX/XXXX and XX/XX/XXXX, the account was listed as 120+ days late. Then, from XX/XX/XXXX to XX/XX/XXXX, the account has been reporting a failure to pay.

I disputed the account on two occassions with credit bureaus, XXXX and XXXX  respectively, in XX/XX/XXXX then 30 business days later in XX/XX/XXXX. The previously mentioned bureaus and XXXX XXXX XXXX failed to send verifiable proof of the debt after both investigations.

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 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
Dear Director Of Operations, Please close my account immediately. It has been fully paid-off!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank abruptly ( and without notice ) closed all my credit card accounts and confiscated more than 700k rewards points that I have accumulated from legitimate spends on the accounts for many years. I had been a customer for many years with no negative/late payment history and I have not done anything that is not legal nor abusing the system.

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 2018-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I voluntarily gave a vehicle back to santander consumer USA inc. on XX/XX/2016. Ever since then they call every week even though they will not accept a settlement amount. I have asked for documentation of where the car was sold to confirm the remaining balance, and they have refused to send that to me. I need documentation for my records to ensure that the amount remaining is in fact the correct amount. I have tried to work out payments, but they want a ridiculous amount that is over the amount we tried to settle for in the past. This situation is hindering me financially. I made the decision to send the car back, due to the interest it was collecting and not being able to ever pay the car balance down any in the 3 years I had the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/2018 I spoke with a representative as well as his supervisor regarding repeated denials by Paypal 's computer to allow me any transactions envolving my PayPal credit account. The explanation given was that I was being denied by their computer for security reasons. When I asked why. I was told they had no way of knowing and there was nothing they or I could do. I had undergone numerous security checks and identity challenges with nothing but positive reports.

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 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Sapphire Reserve Card ending in XXXX Claim # XXXX Initial claim filed on XX/XX/18 Claimed for lost deposits and costs involved due to XXXX XXXX flight cancellation that occurred on XX/XX/18 in the amount of {$380.00}. 
I have contacted them multiple times by both telephone and email, asking progress of claim. In one case they asked for further information which was provided. In each case after contact I was advised that I would be contacted. No followup and no progress ensued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have two hard inquires on my credit report with Transunion and XXXX  for credit cards or some other type of applications signed with my name in which I never applied for. 
The first one is with a used car company called XXXX XXXX XXXX in XXXX. HI XXXX ) XXXX, XXXX reported on XXXX2017. 
They would not work with me to investigate this hard inquiry. 
The second hard inquiry is with XXXX out of XXXX. GA ( XXXX. 
They issue gas cards for XXXX gas station that I never applied for and was reported on my credit report on XX/XX/2017. 
I have contacted everyone and still nothing has been removed even after writing letters and copies of my identification with my picture and signatures. 
I just like these 2 hard inquires of of my report since the rest of the inquiries are mine. 
None of these businesses or credit bureaus are willing to remove these two hard inquires that are not mine. 
Trying to build credit and I do not apply for credit unless I am trying to get a bank loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation