vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed an account on my Experian credit report XXXX XXXX over a year ago. I disputed that the payment history wasn't being reported correctly because there was a few months missing that wasn't reported being paid. Experian said the account was verified so the account remained the same. I was comparing my XXXX  and Experian report on my XXXX XXXX account and i notice that Experian is showing that this account was Charged Off but XXXX  has this account showing as Paid Charge off. So when i saw this inaccuracy i decided to dispute this with Experian on line but Experian wont let me dispute this account again when i try i get the following message. " For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. '' so when i call the number i just get put on hold for over an hour. Then i get hung up on. So today im asking Experian to let me start a new dispute investigation with XXXX XXXX. I also have proof verifying this inaccuracy.

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: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I turned in my XXXX XXXX XXXX on XX/XX/18. I received an incorrect tax bill for an entire year which I resolved with the town providing proof of early termination. I had contact XXXX XXXX and they stated they would do an abatement. The town has returned the excess money for taxes back to XXXX XXXX. XXXX XXXX stated Since XX/XX/XXXX they would send a corrected bill. I have received numberous phone calls from XXXX XXXX where they are not reading their own notes that this under abatement. They call my place or work, cell and wifes cell 2 to 3 times a week  looking for payment on the wrong amount. Every conversation ends with an apology and they will get a corrected bill out. My last conversation was with a supervisor by the name of XXXX and her employee id is XXXX. I'm simply asking for my correct bill so I can pay but we are continually harassed.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
My mortgage company was XXXX XXXX and my lender sold my account to Flagstar banking. I noticed that my credit score dropped  tremendously because it showed that my account was closed but actually it was sold to Flagstar banking. They have not reported that I pay my mortgage through them now and it's effecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Multiple credit inquiries on the report that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Multiple credit inquiries on the report that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX on behalf of XXXX is reporting a collection to my report. XXXX   has been out of business for a while and you can not correspond with anyone. XXXX  XXXX is acting as a collection agency however can not verify all the information. This loan was paid off to the original lender ( XXXX ) which has since filed bankruptcy

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  XXXX on behalf of XXXX is reporting a collection to my report. XXXX   has been out of business for a while and you can not correspond with anyone. XXXX  XXXX is acting as a collection agency however can not verify all the information. This loan was paid off to the original lender ( XXXX ) which has since filed bankruptcy

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 — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
it has to do with the reporting of my XXXX account. 
1 ) company is reporting differently to 3 credit bureaus per attached 2 ) XX/XX/XXXX on my XXXX, XXXX started reporting FP -Failed to Pay. XX/XX/XXXX they decided to change reporting to 120 days past due ; XX/XX/XXXX they went back to FP ( Failed to Pay ) ; XX/XX/XXXX they again reported 120 days past due. 
Since the account started report on XX/XX/XXXX FP I was beyond 120 days late. Therefore 120 days report in XXXX and XXXX of XXXX is incorrect and should be reflect FP.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc.
State: OH

Complaint narrative:
I cancelled a credit card that I was not using because it had an annual fee. I did not receive any statement in the mail but noticed one day that I had received a balance due statement via e-mail which I never receive because I always request paper statement. I immediately called the credit card company and they informed me that they had never closed the account and there had been activity on 2 transactions. They searched and notified me that in fact I had not used the card in over a year up until the 2 online transaction. They told me they would send me a fraud package and I should receive it in 7 days. 2 weeks pass and they again sent me another e-mail collection. I called again and had to go through the same exercise and again requested that the fraud packet be sent to me. Another few weeks pass and I receive yet another e-mail attempting to collect. I again called and spent over an hour on the phone with the representative. She proceeded to tell me that more than likely they would deny my claim because it had been 90 days from the transaction date. during all this time they continued to charge an annual fee and late fees for each month. The representative asked me to pay {$41.00} on the account so that she could refund all the late fees and the annual fee. I just received another call informing me that my account is past due {$100.00} and has a balance of {$300.00}. I think this card company is trying to rip people off.

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 — Fee problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
This has been an ongoing issue with their OD charges. I would use my card and have the funds available, and Ill see the items on my account a pending authorization. As soon as the items post my account is negative and Im getting NSF fees for items that were already pulled from my available balance. Ive been told multiple time how they post items and I follow what theyve told me but Im still getting fees and the run around. No one wants to correct look into this issue. Ive been mislead by this bank time and time again.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
The first time this company reach out to me was via email. The same day they emailed me my mother received a phone calling telling her if she didn't return the call rearguards to me she would then be charged ( a voicemail was left and saved with this message ). I reach out to them told them i paid the debt they said to send proof. I sent the letter i received and used the last time i was contacted about this same debt. I also told them this was now the 3 agency to contact me about this debt and i don't understand why. They told me they believe this was one that was accidentally double sold and after i take care of it it should be the last time. I sent the letter and they emailed me back saying the company i paid is fake, the letter doesn't give proof i paid it and so on. They then have called me numerous times on my cell phone and on my work phone. I told him to cease and desist all calls when he called me work, he then called my cell phone and wanted to argue telling me hes helping me. I told him to send me a letter he said we did an email, i said no mail and do not call me anymore and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: GA

Complaint narrative:
I owe them {$200.00} dollars and been having financial hardship for the last 6 months, they continually harass me calling my place of employment everyday 2 and three times a day, i have already contacted the corporate previously and ask them not to call my place if employment but they still call it is stressing and depressing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 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: NY

Complaint narrative:
I have a 3 American Express Platinum cards which cost me over {$600.00} a year in annual fees, providing the highest level of benefits and service Amex offers to consumers. On XX/XX/XXXX, I created a hotel reservation using my rewards points by accident and called the back of my card immediately. The hotel charge was worth {$440.00} but I used points for the entire purchase. I explained that I was just trying to look at how many points the reservation would cost and that I accidentally clicked on the book button. The call was only 7 minutes long and the person I spoke to from Amex ( his name was XXXX ) said no problem and gave me my points back. I assumed that meant that the reservation was also canceled since I clearly stated at the beginning of the call that I was only trying to see how many points it would cost and did not mean to book it. A couple hours later, I realized that the original hotel reservation I made was the best deal and used my points ( which had been reserved immediately ) to book the same hotel again. 

When I reached the hotel in XXXX, XXXX on XX/XX/XXXX, they said I had 2 exact same reservations in my name. They would not let me check in until I took both rooms even though I only needed one. I immediately called Amex and explained the situation. They opened up a ticket and said they would investigate. One supervisor from membership rewards even admitted on a recorded line that it was an Amex issue about 65 minutes into the call, stating that the membership rewards rep should have contacted Amex travel to cancel the reservation. Over the course of XX/XX/XXXX - XXXX, my wife and I spent over 4.5 hours of call time speaking with Amex. We had 7-8 different individuals ( reps and managers ) tell us they would open a dispute and personally promised to get back to us, but none of them did except the last one. No one gave us a timetable for resolution, no one followed up, and we had to call every 2 days asking for updates to no avail. We finally spoke with a supervisor on XXXX who read the transcript of the call on XX/XX/XXXX and said they would not be refunding, even though in the beginning of the call I stated that I accidentally booked the hotel and was just trying to see how many points it would use. 

I was naturally furious and canceled the card immediately. I have no trust in Amex after this experience and never will work with them for a personal card again. They had no remorse, no offer of trying to fix the situation, no acknowledgement of the horrible customer experience, and no satisfactory resolution.

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: Phoenix Financial Services LLC
State: LA

Complaint narrative:
Phoenix Financial has reported a collection on my credit report for {$200.00}. I have sent a validation letter to get the account verified but they have not done so. I have even asked for these things 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt. 
3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 
4. Proof that the Statue of Limitations has not expired. 
5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Show me that you are licensed to collect in my state. 
7. Your license numbers and Registered Agents They did not provide me with any of this information and they put on my credit that I have disputed this account. All I am doing is validating the account how could this be a dispute? That is false information.

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: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I saw the advertisement online for a {$350.00} bonus after opening an HSBC Advance checking account and following several requirements : XXXX XXXX XXXX I opened the account on XX/XX/2018, deposited {$10000.00}, and left the money in the account for several months. After the 90-day window after which the bonus should have been given passed, I called HSBC several times. At first, they confirmed that I qualified for the bonus and told me the bonus would be given after 6-8 weeks of processing. After waiting 8 weeks and not receiving the bonus, I called several times again and was eventually told that I actually did not qualify for the bonus as they claimed I had not clicked the correct link when opening the account. However after several phone calls they can not tell me where I had signed up that was apparently the wrong place. 

In summary, I opened a checking account that fulfills all the advertised requirements for a {$350.00} bonus, but HSBC will not give the bonus because they claim I clicked the wrong link.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
I have requested debt validation through a consumer federal protection complaint for a dispute and debt validation and Associated Credit Services has not provided these documents from themselves or their client. It has been beyond the 30 days allowed by federal collection laws for them to provide these documents. 

Associated Credit Service continues to call my phone and leave multiple messages. Today ( XX/XX/2018 ) I verbally spoke on a recorded line and requested that they remove my number from their calling list and send any information through the mail. 

They are harassing me by calling my phone everyday- Please take my name and number off you list I do not owe you anything

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 — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a 30 days late on my credir report I wrote to XXXX bank / belks because i thought i sent in my payment the company sent me recepts of my payment the last payment was XX/XX/2018. I sent in another payment in XX/XX/XXXX and it went toward the XX/XX/XXXX payment. on my credit report it shows the account closed but there is another account still open on the credit report this account have not closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On the evening of XX/XX/2018 I discovered that was unable to login to my HSBC USA online account.

I called the bank 's customer service number. Their phone system verified my identity through my phone number, account number, voice print, and last 4 digits of my social security number. Customer service told me that my online access is blocked. They refused to tell me why I was blocked. They refused to tell me my account balances, claiming that it would be a breach of security to tell me my balances, even though my identity had already been verified by the phone system. They insisted that in order to restore access, I needed to call the security department at XXXX during their business hours M-F XXXX - XXXX EST. 

I called the security department at XXXX EST on XX/XX/2018. After I identified myself through the automated system, I was put on hold for 9 hours, by which time I got a recorded message telling me to call back  during their regular business hours. 

A representative from the bank 's customer service also tried to call the security department but never got a human response. 

On XX/XX/2018, I again tried to call the security department, but again, I got put on hold. 

When I complain to customer service that no one at the security department answers, they tell me they can't help me. They insist that I must call the security department, and then they transfer me to the security department which never answers. 

Meanwhile, I am still unable to login and the bank denies access to all my funds on deposit, which include a checking account and a savings account. 

The bank has my phone number, email address, and mailing address. Yet I have not received any communication from the bank informing me that my online access has been blocked. I only discovered the blockage when I attempted to login.

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 — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, I go to Citi Bank XXXX  XXXX ( CA ) branch to open a bank account where the staff XXXX XXXX ( NMLS XXXX ) told me I am eligible for the offer of {$400.00} bonus. XXXX told me within 30 days I need to deposit {$15000.00} and maintained the account for 60 days then I will get my bonus. I accomplished the deposit for {$15000.00} in XX/XX/XXXX and in XXXX I called the branch to see why my bonus didn't come in. XXXX told me I need to maintain the account for another 90 days which she NEVER mentioned when opening the account. So I waited till XXXX, still nothing in my account. I called back again and she said I was missing the XXXX form which I need to go to the bank and file the document and the {$400.00} will be wired within 10 days. I did go to the bank on XX/XX/XXXX and she filed the document for me, after more than 10 days, I called the customer service since I still didn't get the offer. They help me to file an investigation, another 10 day passed, I call the supervisor and was told that a mail had sent out on XX/XX/XXXX informing I met all bonus conditions, but I didn't receive it at all. I called it again and this time I was told that I need to open another saving account. During the whole process, the agent XXXX XXXX who is responsible for opening the account for me had never mentioned once about the saving account. I did ask about the saving account and she told me it's fine to not open it, it won't affect the promotion. I know for sure just because I asked and she did respond to me and my spouse that way. Citi could review the footage to prove that. It's been more than 6 months and she didn't even mention when last time I went to file my XXXX as her request on XX/XX/XXXX. I asked about why the offer didn't come in after I qualified all the requirements. She said it's because of the XXXX form, once we filed it, the money will be transfer in 10 days. The supervisor helped me to transfer to another agent XXXX who promise to escalate the case for me on XX/XX/XXXX. This bank error by staff caused me 6 months and still got nothing of my {$400.00} as XXXX promised. Please help, thanks.

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