vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi, I was doing basement project at my home and opened Home Depot Consumer credit card through citibank in XX/XX/XXXX. I was offered 24 months XXXX % promotional price for any purchase made over {$5000.00}. Therefore, I bought almost $ XXXX worth of stuff from home depot on HD consumer card. However, I kept making my minimum payment plus additional amount to pay off my balance well within 24 months before the promotion expires. 
I started another project in XX/XX/XXXX and again purchased almost {$13000.00} worth of stuff on HD consumer card and was offered the same 24 months XXXX % financing. I paid off {$13000.00} + monthly payments by XX/XX/XXXX to avoid any interest charge on my outstanding promotional balance. 
Then I started another project again in XX/XX/XXXX and purchased {$7500.00} worth of stuff on HD consumer card and was again offered 24 months XXXX % financing. I again paid off that {$7500.00} + monthly payments by XX/XX/XXXX to avoid any interest change on my outstanding promotional balance. 
All this time, I also kept making smaller purchases for my smaller project. As of XX/XX/XXXX, my balance was {$5400.00} due to all smaller purchased. 
On XX/XX/XXXX I was charged {$1400.00} interest fee for some outstanding balance from XX/XX/XXXX. Now that I have been making payments to pay off my outstanding promotional balance, why have I been charged interest for {$1400.00}? When I was making payment they should be applied towards the previous outstanding promotional balance and not on the recent purchases? This seems be to fraud / cheat to intentionally defer your payments so there is always a balance from promotional outstanding balance so citibank can charge interest to the consumer. 
Logically the incoming payment must be applied towards your previous outstanding balance and not towards the recent purchases. What if there was no promotional balance? Citibank would have applied the payments towards that non promotional previous outstanding balance first? This is serious matter making consumer prey to these fraud practice by the bank. 

I would like the interest charged to be reversed. 

Store : Home Depot Card Type : Home Depot Consumer Card Acct # XXXX XXXX XXXX XXXX Processing Bank : Citibank Interest Charged : {$1400.00} on XX/XX/XXXX 2019

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 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
Us bank account problem XX/XX/19 a deposit of XXXX leaving a positive balance of XXXX. 
XX/XX/19 a purchase was made at car wash for XXXX dollars unavailable funds XX/XX/19 a purchase was made at XXXX XXXX for XXXX unavailable funds XX/XX/19 a purchase was made at XXXX for XXXX unavailable funds XX/XX/19 no purchase XX/XX/19 at around XXXX XXXX I put a check in the bank for XXXX then I withdrew XXXX cash for the ATM which was made " unavailable funds ''. two hours later at XXXX XXXX I made a payment of XXXX rent, at XXXX XXXX the bank closed and did not process the payment until after XXXX XXXX, on XX/XX/19 there was a pending deposit XXXX to be deposited on XX/XX/19. 
After XXXX XXXX on monday the us bank reversed the unavailable funds that were held out over the weekend and on monday put them back into available funds of which was add back into Fridays XX/XX/19 balance ... They then took the deposit of XXXX made on monday XX/XX/19 and back dated it to Friday 's XX/XX/19 balance of XXXX adding it in making the balance XXXX 
After that was done, They next took the rent payment of XXXX dollars made on monday XX/XX/19 and back dated it to Fridays Balance of XXXX over drawing the account and from there they proceeded to process the weekends payments and monday 's cash withdraw over drawing the account for XXXX dollars a " pop ''. 
what the book keeping looked like till monday at XXXX XX/XX/19 deposit XXXX purchase XXXX balance XXXX XX/XX/19 - XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 deposit XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX pending deposit XXXX what happened after the booking was not properly processed.. 
XX/XX/19 balance XXXX XX/XX/19 deposit XXXX XXXX XXXX blue dot available balance XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX available balance XX/XX/19 - XXXX XXXX XXXX XXXX XXXX  available balance XX/XX/19 - XXXX XXXX XXXX XXXX XXXX available balance XX/XX/19 XXXX XXXX XXXX XXXX available balance at this point a deposit came that was pending XXXX they added it to the XXXX making the XXXX that is below ... the XXXX is the upper booking keeping balance and is not red .... when the book keeping is in red it means the account is over drawn.. 
this account was never over drawn on weekend. it became over drawn due to there process ... 
XX/XX/19 balance XXXX XXXX XXXX available balance XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX cash atm XX/XX/19 XXXX XX/XX/19 XXXX this transaction looks like it being processed here when in XXXX fact it has been processed back on fridays date of XX/XX/19 against the positive balance. 
this had been going on for years with our account and it wasn't until is year at I have notices it happening.

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 2020-01-09 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$500.00}, {$1500.00}, {$400.00}, {$1000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account. 

5. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra Recovery Services XX/XX/XXXX, disputed with a 609 letter spring XXXX was never sent any information on how the account was validated. Was sent a letter stating that they verified the information and wasnt going to remove it. Sent two request to validate verification process no resolution was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. being that they have gone past 30 days Mark and can not verify these accounts under Section 611 ( 5 ) ( a ) of the FCRA they are request required to probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: NJ

Complaint narrative:
id theft victim XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX   XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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:
THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME. THIS ACCOUNT IS A DEROGATORY ITEM THAT NEEDS BE OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: IL

Complaint narrative:
have contacted trans union on multiple occasions with the last person i talked to was named XXXX and the issue on the acct with XXXX XXXX XXXX ending in XXXX was not changed to show paid acct with no charge off status past or present and no late payments. the acct was closed and paid in full as of XX/XX/2017. i have sent all documentation to the many times but they will not follow federal law and correct the info. they are in non compliance of law. the info sent is attached

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 2020-01-09 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: NJ

Complaint narrative:
id theft victim XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX   XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud )

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 2020-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX, disputed with a XXXX letter spring XX/XX/XXXXwas never sent any information on how the account was validated. Was sent a letter stating that they verified the information and wasnt going to remove it. Sent two request to validate verification process no resolution was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I applied for Spirit Airline credit card ( Bank of America ) while buying tickets on Spirit web site in XX/XX/XXXX. Something went wrong during transaction and it didn't get through. I thought I used a different credit card. I can't prove it, I do not keep records for that long. I never received any statements from that credit card ever. No one called me and notified me about my outstanding balance. Only a month ago ( XX/XX/XXXX ), when I applied for car loan, I was notified that Bank America reported my non-payment to all credit reporting agencies, so I could not get a good interest rate. I contacted Bank of America in XX/XX/XXXX and received a letter stating that they didn't do anything wrong.

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 2020-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Disputed spring 2019, this debt via the credit bureau not validation of how the debt was verified, received a letter stating it was varied and will remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The judge issued orders in my divorce decree XXXX XXXX XX/XX/XXXX date of court entry that my ex was ordered to pay Symphony ( XXXX ) off on XX/XX/XXXX, date of the home sale with those funds. It was left delinquent 90 days into XXXX and is on my bureau reports. I attempted to contact Symphony myself and they assured me that my name was not on this account, however that was all they could tell me, so how was this then reported as my delinquency? I sent complaints to all three bureaus full of documentation. They never responded and never removed it. Transunion sent a copy of my report with the Symphony account entered twice, once correctly and never replied to removing the incorrect one. They have her new address on my report in XXXX, her family home in XXXX XXXX and other homes I've never lived in. They also don't list three paid off homes, another in XXXX, TX, 10 cars, 50 credit cards, or student loans for three degrees.This false information is causing rejections and inquiry alerts that continue to mount as she continues to do whatever my ex is doing. 
I also sent XXXX a certified letter-to XXXX XXXX at the NY Corporate office asking why the XXXX account is closed. I lost XXXX in bonus XXXX money with the loss of this card. The tracking number is XXXX XXXX sent on XX/XX/XXXX. I received no answer and no {$500.00} in earned money. Their people applied my payments from a checking account they entered incorrectly-one digit off and charged me XXXX per error, and I paid it immediately on the telephone with my acct number in hand-no problem. THEY WERE ADVANCE PAYMENTS. I went to their XXXX XXXX location and no one would help me. I want my money that I deserve, My bureau shows never late and I never receive If it was investigated it would have been repaired! 
I am a highly educated man of means and I demand they repair their errors.

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 2020-01-09 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: IL

Complaint narrative:
The judge issued orders in my divorce decree XXXX XXXX XX/XX/XXXX date of court entry that my ex was ordered to pay XXXX ( XXXX ) off on XX/XX/XXXX, date of the home sale with those funds. It was left delinquent 90 days into XXXX and is on my bureau reports. I attempted to contact XXXX myself and they assured me that my name was not on this account, however that was all they could tell me, so how was this then reported as my delinquency? I sent complaints to all three bureaus full of documentation. They never responded and never removed it. Transunion sent a copy of my report with the XXXX account entered twice, once correctly and never replied to removing the incorrect one. They have her new address on my report in XXXX, her family home in XXXX XXXX and other homes I've never lived in. They also don't list three paid off homes, another in XXXX, TX, 10 cars, 50 credit cards, or student loans for XXXX XXXX.This false information is causing rejections and inquiry alerts that continue to mount as she continues to do whatever my ex is doing. 
I also sent XXXX a certified letter-to XXXX XXXX at the NY Corporate office asking why the XXXX account is closed. I lost XXXX in bonus XXXX money with the loss of this card. The tracking number is XXXX USPKI sent on XX/XX/XXXX. I received no answer and no {$500.00} in earned money. Their people applied my payments from a checking account they entered incorrectly-one digit off and charged me XXXX per error, and I paid it immediately on the telephone with my acct number in hand-no problem. THEY WERE ADVANCE PAYMENTS. I went to their XXXX XXXX location and no one would help me. I want my money that I deserve, My bureau shows never late and I never receive If it was investigated it would have been repaired! 
I am a highly educated man of means and I demand they repair their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
XX/XX/2019 this debt appeared on my credit report. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMERCE BANK
State: CO

Complaint narrative:
Made a payment on XX/XX/2019 for a XXXX XXXX, and traded the XXXX XXXX in XX/XX/2019. I traded the XXXX XXXX in on a XXXX XXXX from XXXX XXXX on XX/XX/2019. An automatic withdrawal was made from my primary checking account at XXXX XXXX XXXX {$430.00} on XX/XX/2019 for the XXXX XXXX I previously traded in. I called commerce bank where the XXXX XXXX was financed through, and they directed me to call the dealership as no payoff payment had been received on this vehicle. I called the dealership, who said they cut the check to commerce bank, and stated they had sent payment the day XXXX took possession on the XXXX XXXX, and that I should contact the bank about the lost check. The bank told me that they received a check in XXXX that was back dated to XXXX, and that any over payment would be returned to me. Now I have documentation that the loan was payed in full from XXXX, but fails to show any refunded payment amount for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that they have my consent to report my medical information in accordance with HIPAA laws.

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 2020-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
Company or their collection wing threatened to contact my employer. XXXX indicates that they are threatening to call my employer to tell them that I own this debt. Additionally, it unlikely I owe this debt but no verification has been provided by the company. Likely just scare tactics to try to conjole money out of some one but it should noted and logged. Here are some details : From : XXXX CC : XXXX Law firm mentioned : XXXX XXXX XXXX XXXX   Signed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached the email.

Company response to consumer: Closed with explanation