vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I get multiple repeat calls about the money that is owed DAILY. once I finally come around to scheduling a payment, all is well. Now when I try to get BACK in contact with them to change a payment date due to being in the middle of transitioning jobs, I get no call back or responses. I have called three times on three separate days and left two voice messages about my case and nothing. Now I'm going to be over drawn in my account resulting in a late rent and backing up other important bills including groceries for my family. I am very upset and scared. I tried to do the right thing and this is what I get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Atlantic Union Bankshares, Inc.
State: MD

Complaint narrative:
At the beginning of XX/XX/2018, I applied for a XXXX XXXX XXXX XXXX   Business Checking account. I opened the account because I saw a promotion online for : " To earn a {$250.00} cash bonus, open a new Free Business Checking or any Union business checking account, maintain an average balance of {$2000.00} or more during the first 60 days and make any combination of 8 qualifying transactions by debit card at merchant locations, check, or online bill payment within the first 60 days. '' On XX/XX/2018, I received an email from an account administrator requesting business verification documents. I provided the requested documents on XX/XX/2018. 

During the rest of the month of XXXX and beginning of XX/XX/2018, the bank requested additional verification documents, to which I provided in a timely manner. 

On XX/XX/2018, it was informed to me that my account opening was successful and in order to open the account, an opening deposit was required. I was provided a mailing address to mail a check to, to which I provided. The check was cashed and deposited in my account on XXXX. 

Based on the extended process to get the account opened, I was under the impression that I had 60 days from XX/XX/2018 ( account opening date based on all correspondence I received ) to meet the promotion requirements, per the terms noted above. 

However, in the beginning of XX/XX/2018, after a follow-up call, I was informed that my account was actually opened on XX/XX/2018, and that the 60 days were nearly elapsed. At this point it was infeasible for me to actually meet the promotion requirements. 

I moved forward and actually completed the promotion requirements based on my understanding of the effective account open date of XX/XX/2018. 

I reached out to Union Bank via phone and email ( XX/XX/2018 and XX/XX/2018 ) to reconcile this issue, which was cause by the Union Bank elongated account opening process, to which no responses were received. I am now contacting the CFPB.

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 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! 
XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX - XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. 
My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.

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 2018-11-22 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: DISCOVER BANK
State: CA

Complaint narrative:
I opened a dispute with Discover credit card Services for a transaction took place last XX/XX/2018 against the merchant name XXXX XXXX for the amount of {$170.00}. 
I contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service,  She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle.So just doing a Followup with Discover on XX/XX/2018 by phone, to see if they received my documents, The representative with name XXXX informed me after put me on hold she informed me that I need a receipt from the merchant inwhich states the credit of {$170.00} I told her I spoke with XXXX a Supervisor from Discover and she didnt mention me that since there is Dispute on this Amount, I requested to speak with a Supervisor she transfered me with XXXX ( XXXX ) I told him I spoke with XXXX and she never mentioned me That I need a credit receipt from the merchant since this is a Dispute, He said he cant help me or assist me further, then for I told him. 1st * I will still dispute this amount based on I didtn request the merchant for their service, They were told to tow my vehicle by another merchant doing this my vehicle got damaged. 2md Discover Credit Card Supervisor XXXX Informed me Discover will initiate a review based in the new information provided and Now I received another contradictory response from another Supervisor XXXX stating they cant help me or assist me. These 2 reason are enough to have escalate this issue to Discover Credit Card Executive Level thru the CFPB. 
Its Sad to see Supervisors as XXXX not able to assist me to continue this investigation and rather to deny me assistance with this Dispute in which the merchant ending up damaged my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX reported a hard inquiry on my XXXX report. Someone may be using my info to open a credit card. Will you look into it for me? It may be Sears. Thank you. XXXX! 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 explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The credit limit and/or high balance are/is incorrect. 
Home Recommendations1 Cards Loans My Overview My Recommendations1 Accounts Credit Cards Loans Auto Resources Tax Profile & Settings Logout Direct Dispute In partnership with XX/XX/2018 Estimated Completion Date Status Details TransUnion received your request on XX/XX/2018 and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. TransUnion has yet to get back to me or remove this old account off my credit report.

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 2018-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Repeated harassment in the form of MULTIPLE phone calls/emails daily. Located in a Hurricane Michael federally declared disaster zone.

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 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX reported a hard inquiry on my TransUnion report. Someone may be using my info to open a credit card. Will you look into it for me? It may be XXXX. Thank you. XXXX! 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 explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! 
XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX - XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. 
My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.

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 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX - XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.

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 2018-11-22 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have a hard inquiry by a syncb/XXXX that I never authorized from XX/XX/2018. I found out through 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 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  - XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am trying to left the fraud alert and the security freeze to all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
My ex-boyfriend called XXXX XXXX to schedule appointments for my children whom I am the primary custodial parent. He never took the children to the appointments because they live with me. I did not know the appointments were scheduled and as a result i was charged no show fees of {$50.00} each. I never authorized XXXX XXXX to see my children or make appointments without my consent. Additionally I was charged {$50.00} I believe for medical records that were never faxed to the other medical provider nor do I wish to have the medical records sent again. As a result of all of the medical malpractice problems I have decided to not send my kids to XXXX XXXX anymore. 

Currently I am being billed for {$250.00} from XXXX XXXX and this is negatively reporting on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am trying to left the fraud alert and the security freeze to all my credit 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 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am trying to left the fraud alert and the security freeze to all my credit 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 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
OnXX/XX/2018 I received my dispute results for a bankruptcy that did not belong on my credit report! The results proved me right as the Bankruptcy was deleted from my report. Here we are 5/6 months later and Equifax has added this account back to my report with no knowledge or justification as to why. UNDER FCRA THEY MUST NOTIFY ME five days before they add anything to my report after that item has been deleted. I received no such notice! I have attached the guidelines equifax have violated, please review all attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
The Bank of America XXXX XXXX credit card lets you set up automatic payment for your credit card. They offer three options without explaining what exactly they do : Pay Minimum amount due, Pay the Amount due or Statement Balance. ( XXXX while listing 4 options explains each right next to the option, boa does not ) I understood the amount due to be the amount to pay the credit card bill each month ( and not get interest charges ), but apparently that was the statement balance. 

When I called to complain, I was told that the " amount due '' option was the minimum payment. It's lame to not explain that choosing an option will result in interest charges, especially when it says " the amount due ''. Secondly, why offer to different forms of minimum payment?!?!?! 

I have closed my credit card because I will not use Bank of America for these deceptive practices. 

To be clear, on my XXXX XXXX Credit Card there are three options : Minimum payment due, last statement balance in full or other amount ( you choose ). 

My XXXX Credit Card offers 4 options : minimum payment due, full statement balance, minimum payment + other amount, or other amount ( you specify ). 

Only Bank of America offers the weird " amount due '' option that results in interest charges and is actually just the minimum payment. It sounds like this is in keeping with the " deceptive '' business practices in general.

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 2018-11-22 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

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 2018-11-22 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi Team, I opened Citi bank account with promotion of {$400.00} bonus. The requirement was to maintain {$15000.00} total combined balance in accounts for 60days and bonus will credit within 90days for meeting requirement. 

Account Open date : XX/XX/2018 Amount {$15000.00} deposit date : XX/XX/2018 Requirement met on : XX/XX/2018 Bonus Expected date : XX/XX/2018 Contacted bank several times they did confirm account meets bonus requirement but no bonus credited yet. 

Thanks

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 2018-11-22 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

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