vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I closed credit card account with Citi Bank but they charged me an interest rate and late fee along 3 months after. On XX/XX/XXXX I called Citi Bank to close my account ( my due date is XXXX of each month ). I choose to call to make sure that I paid all the interest charges associated with my card in full. I asked representative if I should expect any additional charges and representative responded that I paid the full amount and account is closed. 3 months later I received the phone call from Citi Bank notifying that I own {$120.00}. Apparently, Citi Bank charged my account an interest fee on XX/XX/XXXX and late fee of {$35.00} each month since then. I called Citi Bank and explained that on XX/XX/XXXX my account has been paid in full and closed but they insisted that I must made a payment to avoid additional late fee. I also informed them that I purposefully called in to make sure that I paid everything in full upon closing my account and representative told me that I should not expect any additional charges. Even though they acknowledged that they did a mistake by not informing me about interest fee that is going to be calculated only on XX/XX/XXXX, they rejected to retrieve a late fee. I agree to pay interest rate but it is a burden for me to pay all of their late fee charges that I believe to be unethical.

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 2018-06-04 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: NC

Complaint narrative:
XXXX is reporting late payments when its suppose to be in payment driven program because Im not working. They failed to correct my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had numerous unauthorized charges to my debit card. As soon as I learned of these charges ( received bank statement in the mail ), I reported my card missing or stolen and the next day ( XX/XX/XXXX ) went to the Regions Bank in XXXX, Missouri. XXXX XXXX XXXX XXXX took all my information, completed the required paperwork, assigned case # XXXX, took my debit card and destroyed it. XXXX XXXX told me not to worry and that I should start to get my money put back into my account within 3-5 business days. On XX/XX/XXXX, I received a letter from Regions Bank stating that based on their investigation, they were not giving me credit for any of the unauthorized charges. 

I do not believe that Regions Bank did any investigation because if they had done an investigation, they would have learned, as I did, that the person who made these unauthorized charges was a female named XXXX XXXX, previous address unknown. XXXX is a known XXXX addict in the XXXX XXXX area, and used my account number written on a piece of paper to make the charges. 
On XX/XX/XXXX, XXXX was arrested and sent to the Missouri Department of Corrections in XXXX Missouri. for unrelated charges. I did not give this lady my debit card information, did not know where she lived, did not benefit from any of the items she illegally received, did not make any of the purchases, did not know of the purchases until I received my bank statement, and do not know anything more about these transactions. I am not at fault! 

Another problem with Regions Bank is when XXXX made these transactions, it threw my account into over draft protection which I have a {$500.00} limit. Instead of stopping all transactions at the {$500.00} point, Regions allowed transactions to continue which resulted in over {$800.00} in over draft charges. Regions should have stopped the transactions at the {$500.00} point.

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 2018-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I keep asking the credit bureaus to remove my the years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX, therefore, I started fresh since XX/XX/XXXX to present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.

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 2018-06-04 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:
XXXX XXXX XXXX XXXX failed to respond to a complaint and is in violation of FCRA section 611 part, [ A ] [ 1 ], complaint number XXXX from XX/XX/2018. XXXX fine is due, furthermore i have a screenshot showing the account was paid 100 percent by individual,

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 2018-06-04 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 failed to respond to a complaint and is in violation of FCRA section 611 part, [ A ] [ 1 ], complaint number XXXX from XX/XX/2018. XXXX fine is due, furthermore i have a screenshot showing the account was paid 100 percent by individual,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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 failed to respond to a complaint and is in violation of FCRA section 611 part, [ A ] [ 1 ], complaint number XXXX from XX/XX/2018. XXXX fine is due, furthermore i have a screenshot showing the account was paid 100 percent by individual,

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 2018-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I received a call from RS Clark and Associates on XX/XX/XXXX at XXXXXXXX XXXX   The lady who called verified my date of birth and read me the mini miranda disclosure that is required buy law. At the end of her talk off, she asked me if this was a refusal to pay? Now keep in mind I allowed her to finish her talk off and never even said a word about refusing to pay. I then asked her what day this file was listed with their office. She informed me XX/XX/XXXX. Per the FDCPA section 809 A and B, I have the right to validation of debt and the right to dispute my debt. Once this information is requested collections efforts must cease. I informed the young lady that I was requesting verification and validation of this debt and her response was they sent me a letter out. I also informed her I was disputing this debt since I was unaware of the debt. She then told me collection efforts will continue. This is a direct violation of of the FDCPA and I am entitled to actual and statutory damages from RS Clark and their client. This is no way to collect a debt. I work for a debt collection law firm and MUST follow the law. This is very unfair and deceptive to a consumer. I spoke with XXXX who was the collection manager and stated she would handle this, but I have my doubts. 

Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: TN

Complaint narrative:
I opened a BB & T checking account on XX/XX/XXXX. I signed up with promo code XXXX which promised a {$100.00} bonus if two outbound transactions were made with XXXX within 60 days of account opening. I made two XXXX transfers on XX/XX/XXXX. The bonus was supposed to be deposited in my account within 60 days of the promo expiration date of XX/XX/XXXX. It has passed the 60 day marker and I do not see a deposit. I called customer service and asked when I would get the promotion. They ensured me that the promotional code was applied to my account and that the money would be in my account. It is still not in my account.

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 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I keep asking the credit bureaus to remove my the years of XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX, therefore, I started fresh since XX/XX/XXXX to present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.

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 2018-06-04 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: CA

Complaint narrative:
I keep asking the credit bureaus to remove my the years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX   therefore, I started fresh since XX/XX/XXXXto present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft Report # 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 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I HAVE ATTEMPTED TO DISPUTED THE INACCURATE INFORMATION WITH THE COLLECTION AGENCY AS WELL AS THE CREDIT BUREAU AND THE INFORMATION IS STILL REPORTING INCORRECTLY AND IS HINDERING MY CREDIT AND STOPPING THE PROCESS OF ME PURCHASING A HOUSE. THE ACCOUNT ISN'T SHOWING IT HAS BEEN SETTLED.

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 2018-06-04 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX Santander Consumer USA reopened my closed account that was showing on my credit report closed for 3 years but for some odd reason its been opened back up and reported late and charge off in remarks. I disputed the in accuracy of this account to Santander and this is what they do they reopen and put bad remarks on my credit bureau. This is a fraudulent act by this company and needs to be dealt with so they can not do this to nobody else. By them doing this it has brought my credit score down 53 to 60 points. I would like for you to delete this company with the credit bureaus it has been reporting on my bureaus for 4 years and 10 months and I'm tired of it I do not owe them any money I gave them their vehicle back in XX/XX/XXXX because it was no good and they stick me with the balance after they sold the car please help me with this company as they are putting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I reported fraudulent charges to Citi that I saw on my billing statement. 

On XX/XX/XXXX I was charged {$1600.00}, XXXX MXN, by XXXX XXXX XXXX XXXX XXXX for commercial equipment. 

During this time I was on vacation in XXXX and the card was in my possession. 

Not once did I make any single charge of XXXX MXN to the best of my knowledge. 

The details for this transaction are as follows : XXXX XXXX XXXX Transaction XXXX : Purchases Posted Date : XX/XX/XXXX  Category : Merchandise - XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Card Member : XXXX XXXX XXXX Merchant Country : XXXX Foreign Currency : XXXX XXXXXXXX XXXX I was also charged {$750.00}, XXXX MXN, on XX/XX/XXXX.This was by a XXXX  XXXX which I also state as fraud as I was told by the merchant that the credit card machine wasn't working and I paid in cash instead. 

The details for this transaction are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Collapse Details Additional Details Transaction Type : Purchases Posted Date : XX/XX/XXXX Category : Restaurants - EATING PLACE, RESTAURANT Reference Number : XXXX Card Member : XXXX XXXX XXXX Merchant Country : XXXX Foreign Currency : XXXX XXXX I didn't notice these until after I got back from XXXX. I wasn't traveling for business, just for vacation. 

Citi refuses to accept my claims as fraudulent because I was honest and told them all other transactions besides these I recognize as valid.

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 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts on my Transunion credit report. FTC ID Theft Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: AL

Complaint narrative:
There are several major errors in regards to the information reported to my credit. Also, I was a victim of identity theft and someone stole my identity and used it to open multiple accounts using my information. After trying for the past 3 months to have these fraudulent accounts removed Experian has done nothing in helping and has not removed a single account. I sent them a letter with all of my personal information as well as a detailed list of the accounts that did not belong to me and they have failed to uphold there legal obligation to remove these accounts that do not belong to me. I did plenty of research online and read the entire Fair Credit Reporting Act and submitted all the proper documents, proof of identification and residence, as well as an official police report and they still have not acknowledged my letters and the fact that the accounts listed on my report do not belong to me. 

Here is the list of accounts that Experian are reporting to my credit report that were not authorized to be open by me and are the result of someone stealing my identity and using my information to open. 

1 ) XXXX XXXX Account # XXXX 2 ) XXXX XXXX Account # XXXX  3 ) XXXX XXXX Account # XXXX 4 ) XXXX XXXX  Account # XXXX 5 ) XXXX XXXX Account # XXXX 6 ) XXXX Account # XXXX  7 ) XXXX Account # XXXX  8 ) XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: MD

Complaint narrative:
Experian fail to follow Federal Law by not notifyin In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. in which i was not notify. that this account from XXXX  was recent deleted from y credit report and now XXXX XXXX XXXX pleace this same account back on my credit report ... .i was not notify.

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 2018-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
This is a Notice of Violation of ECOA Valuations Rule under 12 C.F.R. 1002.14 ( a ) ( 1 ) ; 15 U.S.C. ( a ) ( 3 ), ( e ) ( 1 ).

I applied for a loan modification XX/XX/XXXX with U.S. Bank and received a Notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. RE : Right to Property Valuation Documentation ( attached here as A-1 ) The Notice clearly stated that they would promptly send notification of the of the property value, and provide me with a copy of the appraisal report as required by law. U.S. Bank conducted two separate Property Valuations ( attached here as A-2 ) while reviewing my loan application and failed to provide me a copy as required by law and violated the ECOA Valuations Rule under 12 C.F.R. 1002.14 ( a ) ( 1 ) ; 15 U.S.C. ( a ) ( 3 ), ( e ) ( 1 ).

I received a loss Mitigation Determination from U.S. Bank dated XX/XX/XXXX ( attached here A-3 ) that advised me that I was denied a loan modification due to not being able to complete a property inspection. Not only was a property inspection completed during the review of my application, there were also two separate property valuations ( Appraisal/BPO ) conducted and completed during that time. This information is false, misleading, deceptive and unfair and clearly violates UDAAP ( Dodd-Frank Act, Sec. 1036 ( a ) ( 1 ) ( B ) ; 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) misleading borrowers by providing false or deceptive reasons for denial. This false and deceptive information also violates RESPA under 12 U.S.C. 2605 ( k ) ( 1 ) ( C ), due to the Servicers failure to correctly evaluate a loss mitigation 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 explanation
Consumer complaint received 2018-06-04 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: MD

Complaint narrative:
I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/2018, XXXX deleted and removed item from their credit report. ( Report # XXXX XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this  disputed item must be updated to reflect the deletion of the bankruptcy. XXXX  has updated credit report but Transunion and XXXX has not.

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 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC.
State: TX

Complaint narrative:
Previous complaint filed - collection agency wording was VERY confusing - no proofreading done at all. Collector stated they can sue - statue of limitations has surpassed the 4yrs for the state of Tx. Also, agency reported they can report for 7yrs from date of charge off - thats incorrect SOL is 7 yrs from last payment or either first day of delinquency. Ive done plenty research on SOL in Texas.

Company response to consumer: Closed with explanation