vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I did not authorize the following entities to check my credit, again! XXXX XXXX XXXX, XXXX XXXX XXXX, ALLY FINANCIAL and XXXX   XXXX. XXXX says their clients have to remove, their clients say XXXX has to remove. Be here done this, not up for the fight!

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 2019-11-08 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I did not authorize the following entities to check my credit, again! SANTANDER CONSUMER USA, XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX. XXXX says their clients have to remove, their clients say XXXX has to remove. Be here done this, not up for the fight!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
LOCKHART MORRIS & MONTGOMERY has an account in my credit thats not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to request your help. My name is XXXX XXXX. My SSN is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. There is an account with US Bank Opened Date : XX/XX/XXXX ; Closed Date : XX/XX/XXXX ; Limit {$3100.00} ; Highest Balance {$4000.00}. US Bank is reporting incorrect information on this account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have never been late in my life. This is the first time that a late payment is reported in my credit history. They are reporing a late payment on XX/XX/XXXX. US Bank is being unreasonable because THEY NEVER HAD CALLED OR MAILED A  NOTIFICATION when the payment was late, as required by law. US Bank is committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION.

NEGLIGENCE and UNFAIR BUSINESS PRACTICES, MISSREPORTING LATE PAYMENT are other violations that they are committing under the FCRA, and the list can go on once I sat down with my attorneys. I have a Pending mortgage for {$500000.00} because of this wrong information being reported. I didnt even know about this until my mortgage company denied me the loan. This is affecting me in a huge way ; mentally and physically. 

I am demanding a DELETION LETTER from US Bank. This inaccurate mark must be removed or corrected ; otherwise, I will not have another option but file a law suit for all the violations committed. I hope to solve this through this portal because I really dont want to go to court ; but if I have to do it, I will not hesitate. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with US Bank was due. Proving this was not a money factor or even worst that I wouldnt want to pay.

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 2019-11-08 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Received letter on XX/XX/19 dated XX/XX/19 from Synchrony Bank advising a request to open a PayPal account or make a purchase using the payment method on XX/XX/19. I did not request this.

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 2019-11-08 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: MO

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE REACHED OUT TO CB 'S MANY TIMES FOR HELP WITH THIS ISSUE AND THEY REFUSE TO INVESTIGATE PROPERLY EVEN WITH PROOF OF IDENTITY THEFT AND ALL THE OTHER INFORMATION I PROVIDED.

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 2019-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sold an rare obsolete auto part on XXXX for {$450.00} to a buyer who turned out to be a scammer. He purchased another cheaper about {$50.00} item from me under different account that I didnt realized. I received payments on paypal and shipped items. {$450.00} payment came on 9/30 and so same say I shipped item priority insured with signature confirmation. Second payment came on XX/XX/XXXX and shipped first class mail. Both packages delivered to the same town and state. {$450.00} package signed by man on XX/XX/XXXX. And the other package delivered on the XX/XX/XXXX.

On the XX/XX/XXXX I received message from the scammer stating he didnt received {$450.00} item but the {$50.00} item with picture of the {$50.00} item on top of insured expensive package. Although XXXX suspended scammer accounts as it is was obvious he purchased both items and both items were delivered and he was trying to get money, he went onto paypal and opened the dispute there. I couldnt even respond to the dispute because of time out on their website then couldnt attach my documents ( pictures scammer uploaded on XXXX ; paypal dont communicate with XXXX and have no clue or interest investigating to make a sound decision ). I decided to call them and ask for alternative way to provide documents which they allowed. I emailed supporting documents and heard nothing. A day after that, logged in the resolution center and see that they allowed scammer to return {$50.00} item back but will refund him {$450.00} and they claim that I agreed to it while I specifically said no and asked for through investigation. Where is seller protection they mention? Where is through investigation? I submitted 25 pages of documents showing that this man is a crook and I shouldn't be liable for that. I paid close to {$20.00} to insure, require signature and ship priority to avoid fraud ( as required by paypal for seller protection ) and still I am to blame and will loose item and money spent to get it, my time to find this rarity, my postage. Where is justice? Did anyone in such high value case even looked at my supporting documents? Although I submitted them I see they were never attached. Paypal said they would fight for me. So what happened that they didnt notify me they allowed buyer to return item and when I log in I see they claim I agreed. Where is falsely advertised seller protection?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-08 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: MO

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE REACHED OUT TO CB 'S  MANY TIMES FOR HELP WITH THIS ISSUE AND THEY REFUSE TO INVESTIGATE PROPERLY EVEN WITH PROOF OF IDENTITY THEFT AND ALL THE OTHER INFORMATION I PROVIDED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 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: MO

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE REACHED OUT TO CB 'S  MANY TIMES FOR HELP WITH THIS ISSUE AND THEY REFUSE TO INVESTIGATE PROPERLY EVEN WITH PROOF OF IDENTITY THEFT AND ALL THE OTHER INFORMATION I PROVIDED.

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 2019-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I received emails from TrueAccord Corporation starting on XX/XX/2019 thru XX/XX/2019 about an alleged credit card debt owed that they wanted me to pay. My reply to these emails received were letters I sent to TrueAccord Corporation from XX/XX/19 thru XX/XX/19 asking them to please document and verify the alleged debt. Each letter sent included a request for A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law. TrueAccord Corporation response to my request was to send me account summary documents and more emails  requesting I pay the alleged debt. I never received verification of this alleged debt. Would you please investigate this? 

Disbuting the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: CA

Complaint narrative:
Hello, This debt collection company called AFNI Contact Us XXXX Toll Free XXXX Afni, Inc. 
XXXX XXXX XXXX, XXXX, IL XXXX Manage your Account Online XXXX AFNI keeps calling my number 10 times a day repeatedly almost every half hour from XXXX. Usually the numbers are all from ( XXXX ) area codes. The agents that call me sound like they are all from XXXX or another foreign country. It started this XX/XX/2019-Present. When I answer they agents ask for me and say they are collecting a debt but they wont say what the debt is for and they ask me for my credit card and personal information. I never received any written correspondence from AFNI via email or to my residential address etc. Ive never given them any other important info either but somehow they got my cell phone number and keep harassingly calling me everyday. The fact that AFNI has not given me any documentation on what I supposedly owe over phone or via mail makes me think this debt collection company is a scam. I would like it to stop. Ive told them to stop calling me because they dont give me any info as to what I owe. It seems illegal and they are trying to commit fraud. I could sue them for harassment and take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I tried to open an account with XXXX XXXX in Texas. I was told by the officer that I could not open an account because I owed money to US Bank. The officer told me the exact amount owed to US Bank ( {$74.00} ). I called US Bank and was directed to the recovery department. That department told me about charges in a closed account. I told them that I was not aware of these charges. I asked them to send me a copy of the statement that contained these charges. After I received a copy of the statement, the statement showed that the account had been closed on XX/XX/XXXX and the balance was XXXX. And, the statement showed that there was a debit card transaction on XX/XX/XXXX to which I knew the merchant did not first obtain an authorization from US Bank. If the merchant had first obtained an authorization from US Bank, it would have been denied. The statement showed on overdraft fee and also showed a fee on the account which was NOT listed as a fee on the schedule of fees at the time I opened the account. When I opened the account, I was provided with " Your Deposit Account Agreement '' and with " Consumer Pricing Information ''. I consulted these two booklets and I believe that I have a strong legal case against US Bank. I called the recovery department of US Bank and thanked them for sending me a copy of the statement showing the charges. I was then asked if I was ready to pay for the charges that were due. I said no and stated that I had reviewed the terms of the Deposit Account Agreement and Pricing Information that had been provided me at the time of opening the account and I do not believe the charged are valid. The person in the recovery department said that it was not the correct department to dispute these charges. They directed me to contact the person who opened the account. I still had the business card of the person ( XXXX XXXX ) who opened the account and I called that person on XX/XX/XXXX. That person said that the branch manager was not there that day and that I would have to call the branch manager on XX/XX/XXXX. I called the branch manager ( XXXX XXXX ) on XX/XX/XXXX and she stated that the account was closed and 60 days had expired since the account was closed and therefore I had no right to dispute the charges. I explained to her that I had previously called the recovery department of US Bank and they were asking me to pay the charges. I told her that I believed that I had a legal right under federal law to dispute the charges and that the recovery department of US Bank had directed me to her to discuss the charges. She again restated her claim that I had NO legal right to dispute the charges.

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 2019-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
I attended XXXX in XX/XX/XXXX for 2 semesters signing loans with XXXX XXXX. Then it was taken over by XXXX XXXX. For almost 5years they kept sending me Forbearance forms to put a hold on my payments for every six months. 
A few years after that XXXX took over and by XX/XX/XXXX my total debt had climbed too a tremendous amount of over {$82000.00}. I qualified to lower my payments with the IDR Program but after 6yrs now the balance had not decreased. XX/XX/XXXX FedLoan took over my loan because I am on the Forgiveness Program that after 120 months of payments FedLoan will forgive the rest of the balance. I am awaiting to get a respond from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This company Is giving me a hard Time I submitted an application and I have a fraud alert on my credit report they refuse to process my application and delayed me for days it says pending and they wont complete the verification with me to have it approved they claim they have a technical error which to me doesnt make sense I wish they would stop this nonsense and approve me with the verification that is required if they only Knew how to complete it instead they argue with me and treat me horrible shame on you Amex

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Complaint is regarding to Citibank unlawful report on discrepancy shown in my XXXX  credit portfolio of my husband Macys/DSNB credit card Account No : XXXX, Address ID : XXXX that I was only an authorized signer without being responsible toward it. Further, said account reported by Macys/DSNB and/or Citi bank Collection Dept on XX/XX/XXXX, exceeding over seven years reporting period. Pursuant to the agencies ruling policy it must be also deleted by XXXX, as done by other agencies. 

This account Owned by my husband XXXX XXXX, Birth XX/XX/XXXX & SSA # ending XXXX. I was an authorized signer and not the Owner or Cosigner. As an authorized signer who I never used this card to the best of my recollection, I am not responsible toward this account. XXXX  and Citibank presumed an unlawful action by registering triple times of my husbands store credit card as a Discrepancy on my credit portfolio that all must be deleted. 

Due to medical disorder my husband contacted Citibank recovery Dept & spoken with Citibanks manager, Ms. XXXX ( KY ), at ( XXXX ) XXXX. She removed XXXX  & XXXX, but XXXX  still pending for deletion. It caused for not being able obtaining loan and refinance high interest mortgage due to negative collection report. Further, I hereby elected my husband XXXX XXXX as an authorized person to act in my behalf with full Power of Attorney ( PO ) without any Limitation. 

I kindly requested for deletion of Discrepancy by Citibanks order to be performed by XXXX  is kindly requested urgently. Your truly- 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 2019-11-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi ( Citi/AAdvantage credit card ) is advertising a {$120.00} XXXX XXXX flight discount if you spend the required {$20000.00}. I spent the required money but the Citi refuses to provide me with the flight discount. They have all my spending records - and I do to - so I will not restate here. 

I spoke to Citi ( XXXX ) on XX/XX/XXXX at XXXX : XXXX XXXX for 25 minutes who reviewed my spending and agreed with me but said she had to submit for approval. ( Her notes of the phone call detailed my spending as well. ) On XX/XX/XXXX, I received a letter from Citi dated XX/XX/XXXX stating I did NOT qualify - no explanation provided. 

On XX/XX/XXXX at XXXX XXXX I called and spoke to XXXX at Citi who also reviewed my records. She indicated that I easily spend over the requirement - she then put me on hold and said she would have to get with her manager. XXXX came back to tell me I would have to write the company - and provided me with a fax number to state my case I am getting the run around from Citi. I have my documents - I have spent the required money yet Citi will not provide the benefit. What do I have to do? This is why I am turning to you and to prevent others from being taken advantage of by Citi.

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 2019-11-08 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
This account does not belong to me. It was opened on XX/XX/2015. 

TD/TARGET Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: CT

Complaint narrative:
The Bank/Mortgage company said that I was late on my payment but the Late payments are unverifiable. The company has not verified the dates of late payments.

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 2019-11-08 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: CT

Complaint narrative:
The Bank/Mortgage company said that I was late on my payment but the Late payments are unverifiable. The company has not verified the dates of late payments.

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