vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GreenSky, LLC
State: WA

Complaint narrative:
XXXX XXXX knowingly short-sold it's XXXX XXXX purchasing period. 

Fact # 1 : The glossy advertising and literature boldly and prominently states ( first page, first bullet point ) : " 6 MONTHS TO PURCHASE everything for your project** and in fine print " ** Period begins at approval. '' Fact # 1a : This point was also emphasized by the saleswoman. 

Fact # 2 : XXXX XXXX  XXXX XXXX ( and associated in-store credit card ) was applied for XX/XX/2018. 

Fact # 3 : My XXXX XXXX  XXXX XXXX XXXX clearly states " VALID THRU XX/XX/18. '' Fact # 4 : My monthly statements clearly state in large, bold, highlighted font, " On your Promotion Expiration Date,  XX/XX/2018, a new monthly payment will be calculated for the remaining 84 months of your loan. '' Fact # 5 : My purchasing window was closed by XXXX XXXX without notice on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: HI

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I filed a claim with Chase bank on XX/XX/2018 because I made a purchase to a company called XXXX XXXX on XX/XX/2018. Since the company did not deliver all of my product, I filed a claim with my bank informing them that I have not received my product. On XX/XX/2018, Chase reversed the claim stating that they received information from the merchant stating that the provided the product, however I provided proof that the merchant agreed to refund the money, and they still will not refund my money. Chase claims team is incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: HI

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: HI

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to XXXX and Experian but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my 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 2018-12-07 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 signed up to open a new Checking and Savings account with Citibank in XX/XX/XXXX, with the following terms : Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. Get {$400.00} deposited to your account! There are additional terms in the fine print that says I have to wait an additional 90 days from when I meet the criteria above to receive the {$400.00} payment. The total {$15000.00} deposit was made on XX/XX/2018, which means that the 60 + 90 Day deadline would have been XX/XX/2018. I confirmed with Citi multiple times via chat and phone calls that I had met the eligibility requirements, and all I had to do was wait for XX/XX/XXXX for the credit to post. After XX/XX/XXXX, I called in as it had not posted, and the rep opened a promotions dispute on my account, and told me that I would have an answer within 3 business days. ( Citibank Service Request # XXXX ). A week has passed, and I have yet to hear from Citi or receive the funds.

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 2018-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 I deposited three checks. I was informed by my bank Chase Bank of Texas that two of the checks were Nonsufficient funds. Each check that was NSF totaled {$53.00} each from the same check writer for a total amount of {$100.00}. I contacted my branch and spoke with the Manager XXXX at Chase Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX I spoke with the check writer who told me to resubmit both NSF checks again on XX/XX/2018 I asked my bank Chase to return to me the two NSF checks so I can either resubmit the checks or go to the issuer 's bank and present the checks. My bank Chase bank is refusing to provide me the NSF checks. The manager XXXX promised to correct and call me back. 4 days have past and XXXX refuses to take my calls or return my calls. I have reported this to the main Chase Bank and still no action. Today I spoke with another person at my bank who told me they will not provide me with either of the two checks. 
I am XXXX on a very small limited budget and {$100.00} is a lot of money for me. The check writer is over 100 miles away and I am unable to go get a replacement check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I recieved a notification that my credit had been pulled. I immediately called the company and they verified that my social security was used for an application that did not match my name or my phone number. They told me they would remove it but they have not done so as of XX/XX/XXXX. I dont know how they allowed an application to go through when it had my social and another person 's name, when asked for my tried to verify me as the applicant they asked for my middle name, but I dont have one, the phone number listed also was not mine. This company has terrible security issues if it allows such things to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions. Sincerely, XXXX XXXX   Enclosures : Identity Theft Report Proof of identity Notice to Furnishers of 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 2018-12-07 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: NY

Complaint narrative:
I am a victim of identity theft

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 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. DIVERSIFIED HAS NEVER CONTACTED ME REGARDING THE ACCOUNT IN THE AMOUNT OF {$1100.00} AND HAS NEVER GIVEN ME THE RIGHT TO DISPUTE THE ALLEGED ACCOUNT. I HAVE NEVER DONE BUSINESS WITH DIVERSIFIED NOR ANY COMPANY THAT THEY REPRESENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I HAVE CONTACTED PHOENIX FINANCIAL NUMEROUS TIMES YET THEY STILL FAIL TO REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT FILE. I HAVE NEVER DEALT WITH PHOENIX OR ANY COMPANY IT REPRESENT. I HAVE NEVER BEEN CONTACTED BY PHOENIX INFORMING ME OF A DEBT AND GIVING ME THE RIGHT TO DISPUTE. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT DOES NOT BELONG TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: NY

Complaint narrative:
I am a victim of identity theft

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 2018-12-07 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
Why is XXXX reporting account closure information on XXXX A. not all account closures have anything to do with me. It was a bank error regardless it looks bad for me. 

XXXX. XXXX is this secondary company to compile information? 
EXETER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Amsher the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have requested validation of the account that has been attempted to collect debt on from this collection agency and I have not received anything back by postal mail. It has been more than 45 days since the original request was sent. Despite my previous 2 written requests, the unverified item listed still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request on multiple occasions to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify nor validate after multiple requests via USPS mail and Email is also evidence of your willful disregard of Federal Law.

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 2018-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
The money that was used to withdraw from my checking account is not going towards payments of my student loans. I reached out to my actual loan provider which is Navient and they ensured me that XXXX   XXXX XXXX is a third party company and none of my payments I have been making is going towards my student loans. Navient explained to me I am part of a third party student loan scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: Rent Recovery Solutions
State: NC

Complaint narrative:
Never lived in this complex & it has that i owe {$100.00}. It was deleted from my XXXX report but not stayed on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: MA

Complaint narrative:
I was denied to get a loan because the reporting agency " Experian '' have wrong information on my credit report, when i called them to fix this issue and verify my identity they wanted my to pay first in order to resolve this problem.

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 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX  XXXX XXXX  XXXX XXXX, and 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 2018-12-07 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: NC

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX 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 2018-12-07 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: NC

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX 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 2018-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My home-based business slowed down in past year. 
I applied for Mortgage loan modification and assistance from my lender. I'm still processing this application with the lender.

One stranger has been pasting demand notices on my front door stating that he bought my house at foreclosure. He's threatening to evict me from my house.

This is my primary and only residence. I may become homeless.

I'm interviewing for full time employment while reorganizing my business.

I want to keep my house .... 

Please help me .... 

XXXX XXXX XXXX XXXX XXXX XXXX Georgia 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 2018-12-07 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:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX , XXXX XXXX, XXXX XXXX   XXXX

Company response to consumer: Closed with explanation