vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-26 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: NC

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. 


XXXXXXXX  XXXX XXXX****, XXXX XXXX XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX**** and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 2500****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account in XXXX Citibank branch at XXXX. The branch teller XXXX told me if I opened account I can get XXXX cash bonus when I keep XXXX in 60 days. So I opened accounts and finished their requirement. I also received Citibank email to confirm my account will receive the bonus in 30 days at XXXX. Between 30 days I contacted their customer service to double confirm I will get pay soon. I wait for the last day to get nothing still. I called them again, but they changed story now. They said I already got pay for a XXXX thank you points. So they denied my XXXX bonus. What? I never received any thank you points. And I didnt even enroll XXXX thank you points offer. So I went to the XXXX branch where my account opened. Another teller told me XXXX not work here anymore. He didnt know what happened. So I felt I was been treated like football. They kicked me each other. I think they offer me this promotion to me, they should honor it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-26 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: NC

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. 

XXXX XXXXXXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****,  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 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: ERC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has showed up on my credit report and sent to collections after it was filed and discharged in my bankruptcy in XXXX and discharged in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have a loan with Santander Bank for my car. In XXXX, I had to close an account at the bank because of another merchant taking advantage of my debit card and checking account number for a monthly membership which I terminated in XXXX. My auto payment for XXXX was about two weeks late, and when I made my payment, I doubled the payment to cover both XXXX and XXXX. The Payments were processed first {$57.00} in XXXX, then {$700.00} which the automated system said was owed for XXXX. The total amount paid was {$750.00} by XX/XX/XXXX. The company refused to apply my payment to the XX/XX/XXXX auto loan due date. They actually argued with me and expected me to make a third payment in XXXX. They were very unapologetic and said that the decision was up to someone in accounting rather or not my XX/XX/XXXX payment would be applied to my XX/XX/XXXX installment, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
This company was sent letters to validate the debt two weeks ago on XX/XX/2019. I did not receive a response to those letters but my credit reports are constantly being flagged. For some reason the collection was not reported until I mailed the company a request to validate the debt. My XXXX, XXXX and XXXX  reports have duplicate reportings of the same debt from this company collection credit service.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: PA

Complaint narrative:
The issue concerns my dispute with XXXX XXXXXXXX, XXXX and it's processing by Citi dispute department. The dispute was partially closed with an explanation that I missed a deadline of XXXX to provide supporting second opinion. In addition, it appears that Citi required me to hire a contractor for evaluation without intent to use the result of evaluation despite it was submitted before deadline, possibly due to miscommunication between different parts of the dispute department. As result I incurred {$190.00} of unnecessary expense. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In their response to my complaint to CFPB dated XX/XX/XXXX Citi alleged that I missed the deadline of XXXX to submit additional documentation as requested by Citi on XX/XX/XXXX. This claim is incorrect as the deadline was subsequently extended. On XX/XX/XXXX, after my initial response, Citi sent an email further clarifying what they expected in case of a contractor dispute and extending the deadline to XXXX. Verbatim, Citi requested proof that the merchandise/service was not as described. This proof needs to be a review from a second similar merchantDue to timeframe issues please return the requested information by XX/XX/XXXX. The clarification email from Citi is attached, together with my response on XXXX at XXXX providing requested second opinion letter. Despite being submitted on time, according to recorded phone conversations with dispute department, the letter was scanned after the dispute was partially closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have attempted to send letter to all three credit bureaus ( transunion, XXXX, XXXX   ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from TransUnion that I should contact the creditors, which I did at the same time as the bureaus. XXXX and XXXX provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( XXXX, XXXX and XXXX ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2019 Unable to access my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have attempted to send letter to all three credit bureaus ( XXXX, XXXX, equifax ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from XXXX that I should contact the creditors, which I did at the same time as the bureaus. Equifax and XXXX provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( XXXX, equifax and XXXX ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have attempted to send letter to all three credit bureaus ( XXXX, experian, XXXX ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from XXXX that I should contact the creditors, which I did at the same time as the bureaus. XXXX and Experian provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( experian, XXXX and experian ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had XXXX 's Rewards Plus XXXX in 2013. I purchased this card and every time to reload they charged me {$3.00} on top of monthly {$4.00} and XXXX cents inquiries about balance. I had lots of problems using this card. When the merchants issued credits and refunds Rewards XXXX XXXX would hold these funds for 1 month not allowing me to use my own funds. It happened on several occasions in XX/XX/2013 when I traveled. When hotels had extra preauthorization and after check out would release funds, Rewards plus would hold onto money and not credit to my account for 1 months. I involved management of one hotel in XXXX XXXX who same as me spent hours on a phone with Rewards XXXX without any resolution. I had few instances also when I would reload money onto card and funds would not be available till1-3 days later, making me not able to pay for my phone, or buy  groceries and pay other bills. This card is a negligent defective product and service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have unknown accounts which I have been disputing as well as contacted the companies that I was unaware of these accounts but neither paperwork has been provided to me as proof that I am reliable because I am NOT! But somehow reports that I've never seen confirm that I'm responsible and my dispute is not fairly processed so these unknown accounts continue to remain as if on my report without allowing me to correct, delete nor repair my credit score and continuing to keep me from bettering the future for my family and myself! It's now becoming an ongoing battle for someone who is medically XXXX to try and progress towards a better living environment. SINCERELY OVERWHELMED!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
On Thursday XX/XX/2019 my wife and I attended a timeshare presentation at XXXX XXXX XXXX XXXX in XXXX XXXX, NV. We were originally told we were being contacted by XXXX XXXX XXXX XXXX ; in which we later found out was actually XXXX XXXX XXXX to attend the presentation. 
As we ended the completion of the timeshare presentation I let XXXX XXXX   Representatives that I wasn't interested and they called over the club manager to try to pressure us into signing up in which I refused. During this period of harassment, I received n important business call and had to step away. When I came back there was a crowd of sales representatives surrounding my wife ( who is XXXX ) was forced by pressure to sign up, who had given them {$XXXX} cash. 
After arguing with them about the stunt they pulled, and refused to return the money my wife gave them, we came to an agreement that they could hold the {$XXXX} to lock in a negotiated sales price, and allow me 72 working hours to make a decision to move forward with the purchase of the timeshare, in addition to paying an additional {$XXXX} as our initial payment, that we were told would be needed to solidify the sales agreement. 
When I called the following Monday to cancel I never got through, so I emailed the company was well, yet heard nothing. Attempted to reach out to them again that Tuesday with the same result ... 
Next thing we know we are being harassed by Allied Collection Services less than 90 days after we last made contact with XXXX XXXX XXXX. Now they have place us in collections for {$XXXX}. 
Problem 1 ) at the beginning of the presentation when asking qualification questions we identified my wife as being XXXX and XXXX XXXX XXXX XXXX XXXX XXXX   without my consent. This is a violation of the ADA consumer protection laws ... 
Problem 2 ) Company never contacted us after multiple attempts to reach them ... 
Problem 3 ) never received anything in writing before being sent to collections Less than 90 days of claimed day we opened the account Problem 4 ) XXXXXXXX XXXX XXXX  fraudulently stated we paid them {$1600.00} to initiate contract when we never paid them. 
Problem 5 ) XXXX XXXX XXXX claimed they were giving us {$XXXX} in free prizes which was misleading & actually cost the consumer over {$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 2019-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: A-1 Premium Acceptance, Inc.
State: MS

Complaint narrative:
Dear Sir or Madam : I was initially approved for a loan on XX/XX/2019. The funds supposed to have been deposited to my account in 24 hours. They were not. I informed the company. Following this dispute, they voided out the initial loan and reissued a new one on XX/XX/2019. This second loan 's funds were supposed to be distributed by XX/XX/2019. The funds were never deposited into my account. I called the company. They informed me that they were working on it and the funds should have made it to my account by Friday, XX/XX/2019. I called back on Friday and asked for a cancellation of this loan, they have refused based on the premise that the funds are in transfer. I sent a written statement and attached images to show as of XX/XX/2019 that the funds have never been deposited. This company has had me to sign a contract and I never received the funds for the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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:
I have been the victim of identity theft for the last 2 years or so. I have sent the company and Experianan affidavit with FTC number and correct address. Experian has a identity theft mark on my report and still reports the item as current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2012 the IRS deposit my tax refund into my wells fargo account on XX/XX/2012I notice that my monies was gone I went to bank and reported wells fargo closed account sent me an email stating they will investagate the account nothing never happen went to bank and showed them ID they couldn't find account called complaint reported they send me statement that my account closed on XX/XX/2012 which is not true it's imposable for the IRS to send check would of been return as close account and the IRS will have to mail me refund the IRS noted they didnt get check bank account information and routing number match number I would like to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Over 90 DAYS ago, I initiated a dispute to Equifax, to investigate the ACCURACY of ALL information in the closed XXXX XXXX/XXXX Charge Account reported on my Equifax Credit Report ( See Attachment-3 pages ). I HAVE NOT RECEIVED a reply from Equifax concerning this dispute ; In fact, this disputed XXXX   XXXX/XXXX Charge Account still shows Consumer disputes-reinvestigation in progress on my Equifax Credit Report ( Refer to page 2 of Attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: TCF NATIONAL BANK
State: PA

Complaint narrative:
As of XX/XX/2019 the account in question is reported as a derogatory account. It is also reported as a paid Charge off account. When in fact this account has been paid on time from my bank account directly to the lender for over 2 years. This activity and history are shown in the history of this account. I have a copy of the history of this account and it can be shown that the account was not discharged or dismissed. This account has not been paid from a bankruptcy plan and should not be in that status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I am making this complaint in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit maintain accurate information per the Fair Credit Reporting Act. I do not have a contract with this company. I am not responsible for this debt. please validate the debt and provide my signature in which I signed stating obligation to pay said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation