vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted  several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the  completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Sincerely, 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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX  Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ).
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Sincerely, 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 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
i paid this medical bill directly to XXXX XXXX. attached is my payment confirmation. XXXX XXXX has a horrible accounting system.

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 2017-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synovus Bank
State: NY

Complaint narrative:
Hello my name is XXXX and I am having problems with XXXX XXXX..XXXX XXXX XXXX  and the other names they use. 
I was not aware of the debt until several years ago when I received a garnishment notice from my employer. 
This amount was subtracted from my paycheck weekly including any taxes. 
I have not received any satisfaction of judgement letters. Recently I purchased my home and before closing I was advised that this debt was not settled and it was holding back my closing. 
Apparently XXXX XXXX purchased the debt and claims it was never settled. 
To avoid losing the home i waited so long for ; I made XXXX an offer of if XXXX and they accepted. On X/XX/17 I sent them the amount and they cashed the check. 
Now I need them to send me a satisfaction of judgement letter to give to the attorneys who handled the purchase and closing of the home. Money was held in escrow to show good cause. The sum it XXXX. Without this satisfaction letter I can not get back this money. It 's being held by XXXX XXXX. 
I had our attorney intervene and try to speed up the process yet nothing from them. We, my wife and I along with our attorney has been constantly given the run around. It 's either call back tomorrow ; call back in one hour ; no one is in that department ; can not locate the file ; all sorts of excuse. 
They cashed the check and was paid 2 times. 
I have even asked to speak with a supervisor. He is never available or he gives me the same answer. 
My wife is XXXX and I need this money to help us move into our new home. 
It will move things along more quickly before the weather changes Please help us. 
I have nowhere to turn.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: WY

Complaint narrative:
I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX in Wyoming. I reaffirmed my vehicle lease through US Bank, caught up all payments, and have paid on time or early, in full or extra ever since. I have run all three credit reports ( XXXX, XXXX, and XXXX ), and my lease account is not on any of those reports. At all. I am trying to rebuild my credit and need my positive payment history to be reflected. I went to XXXX XXXX so that I could get it refinanced for the sole purpose of getting it to show on my credit reports, with the lease document in hand and the vehicle physically in the parking lot, and was told by XXXX XXXX underwriters that they could not find record of my lease in credit reports so could not complete the refinance application. I have called US Bank several times, was passed around departments and agents ( and finally a pizza restaurant ). At one point one agent said US Bank reported my lease account back in XX/XX/XXXX but all three of my credit reports are more recent than that, and there is nothing from US Bank. I had a representative USPS mail me a complete transaction history/customer statement of account and with that I have proof that I have the account and that my payment history is perfect since XX/XX/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 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: TN

Complaint narrative:
XX/XX/2017 {$13000.00} us bank cheat me im ask a o % interest in12 month and cash us bank give me different product i need help to fix this case thank you

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 2017-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: CA

Complaint narrative:
My last payment on an old credit card issued by XXXX XXXX XXXX XXXX now US Bank and now sold as debt to XXXX XXXX, was in XX/XX/XXXX making this debt passed the 6 year statute of limitations for debt collection in the state of Oregon where the credit card agreement/contract was signed. However U.S, Bank claims my last payment of {$1900.00} was made on XX/XX/XXXX, more than 3+ years passed my real last payment. Even more confusing, the debt collection account at XXXX XXXX was started on XX/XX/XXXX,  according to XXXX and XXXX. This doe n't make any sense. I have my bank statement from XX/XX/XXXX-XX/XX/XXXX and it shows no payments or deductions for anything near that amount or any cash taken out that would cover a payment like that. I did not make this payment. I believe it to be a shadow payment put on the books by US Bank to illegally extend the time limitations for almost 4 extra years. I called U.S. Bank recovery department 4 times, they have my account information. They REFUSED to provide me with any details of my payment history to prove that the {$1900.00} payment was a sham. They went as far as telling me that they where in no way obligated to provide me any information on my account about payments because I was no longer a customer and because the debt was sold. Now XXXX XXXX is now both buyer and assignee, which is also illegal. This debt is way passed the real statute of limitations time limit and the collection company refuses to remove it from my credit and the bank refuses to give any payment information to validate the debt, which is also illegal.

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 2017-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
Equitable Acceptance called on XX/XX/XXXXXXXX to provide assistance in reconciliation for my XXXX XXXX  charging me a fee ; however, I 've been paying XXXX dollars on the XXXX of every month since the starting date XXXXXXXX. The document indicated it can be done for free but did n't provide information as to who the lender who be or new finance company. After speaking with XXXX they said the services are free and Equitable Acceptance is charging me a total of XXXX for the service.Also, I 've been in school the entire time ; therefore, my loans are in deferment but yet Equitable Acceptance continue to withdraw money from my account. Equitable Acceptance requested my XXXX card information over the phone failed to provide proper paper work.
The signature in the copy documents is not my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have filed several complaints about Wells Fargo about missing funds. Each time their response is please provide us with dates and amounts of transactions. They even sent me a letter via postal mail. Each time I tell them I am unable to provide dates and amounts. I in the past was on the phone with a representative of Wells Fargo admitting in a phone conversation that there were missing funds. I asked if they could provide further information and they were unable to do so. I 've looked through everything even years back before any missing funds and I am unable to see dates and amounts. I request Wells Fargo go and look into my accounts maybe one of their accountants may be able to find the needed 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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX  inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX While checking XXXX XXXX I noticed that it showed I had a number of hard inquiries ... the XXXX listed above where all made on the same day that I purchased a car. It seems the car dealer shopped around to find me the best rate, but according to the following, the XXXX inquiries should only be showing as XXXX ... XXXX does not have a way to dispute this and no luck contacting credit bureaus. 

" When youre buying a home or car, dont let a fear of racking up multiple hard inquiries stop you from shopping for the lowest interest rates. FICO gives you a 30-day grace period before certain loan inquiries are reflected in your FICO credit scores. And FICO may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For FICO scores calculated from older versions of the scoring formula, this window is 14 days ; for FICO scores calculated from the newest versions of the scoring formula, its 45 days.Similarly, the XXXX model gives you a rolling two-week window to shop for the best interest rates for certain loans. That way, they only impact your credit score once, the company says. ''

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 2017-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have filed a few complaints about BBVA Compass Bank. Their response was just posting the bill of sale of the motor vehicle and financial loan information without any explanation. BBVA Compass Bank also had committed fraud the information that was sent in response to me listed that the sales date of the car was XXXX XXXX of XXXX. I did not purchase the vehicle on XXXX XXXX of XXXX. I did not sign anything until XXXX XXXX of XXXX. XXXX XXXX was also the same day that I had put {$4000.00} dollars down as my down payment. So BBVA Compass Bank approved and made the sale of the vehicle on Monday XXXX XXXX of XXXX. I did not purchase the vehicle until Tuesday XXXX XXXX of XXXX. So that would be them either commuting some type of fraud or making the financial loan invalid. That making me Not Responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For 3 years I have traveled to XXXX and used my chase debit card, the first 2 years I was refunded all non chase atm fees as I was informed by customer service that since chase has not atm in XXXX, I was entitled to refunds which I received 2 years. I again traveled to XXXX last 2 weeks ago and accrued not only non chase atm fees but numerous fee exchange fees. Why do I have pay an exchange fee when chase delays the authorization and then charges me the rate of exchange from XXXX dollar to us dollar the next day? the previous 2 years I never had to pay exchange fee, I do n't get credit from chase when the dollar is in my favor so why do I get charged when the dollar drops? I spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX x XXXX and she adjusted {$32.00} on XX/XX/XXXX, I left her 2 voice mails on XX/XX/XXXX and XX/XX/XXXX and she has not returned my call. I am requested the balance of non chase atm fee and fee exchange fee of {$48.00} to be credited to my chase account, thank you. As of today I have not had my phone calls returned or has my complaint to the BBB of New York been answered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This complaint is in reference to complaint XXXX also AMEX reference Ref : XXXX in the final response, AMEX states that I have received the total XXXX  MR points. which was incorrect. 

AMEX issued me XXXX bonus points, then another XXXX. But the XXXX points was taken back. I have attached the pdf for reference. 

In addition, when I contacted AMEX, they explicitly told me that I could retroactively submit the mailer to have my original 100k offer applied ( another lie ). 

This is my final attempt with CFPB and if this is not resolved in my favor, i will be continue escalating this via other channels including but not limited to my local small claims court.Note, It literally takes 5 minute to look over my MR points history to know that the XXXX points was taken back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a checking account with Citibank. In XX/XX/XXXX of this, Citibank changed their fee structure for their Citigold accounts introducing a {$30.00} per month service fee. As a result, I requested Citibank change my account type ( also in XX/XX/XXXX ) to their Citi Priority service in order to avoid such fees. I received confirmations from the bank that this changes had been made. 

Since XX/XX/XXXX, Citibank has continued to charge me the {$30.00} service fee on my account. I have contacted them multiple times to resolve this, but they continue to charge this fee in error and I have to contact them every time in order to have these fees refunded. My most recent request sent on XX/XX/XXXX received an irrelevant reply and the fees remain charged to my account. 

I consider this the most simple of requests, but I am frustrated by Citibanks inability to ensure they are not charging me unduly.

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 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid my balance in full prior to the due date and was charged additional intrest. Based on what I can tell Capital One is charging interest on the purchase balance as if it were a loan balance. My due date was XX/XX/XXXX. I paid my balance in full on XX/XX/XXXX and was charged interest on the average daily balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Victoria Secret angel card charged {$1.00} fee in XX/XX/XXXX when the account had a {$0.00} dollar balance. The account then relieved a late fee for not paying the undisclosed {$1.00} minimum finance charge. Resulting in a {$2.00} balance. In XX/XX/XXXX there was a notice of {$2.00} on the account.

Company response to consumer: Closed with monetary relief