vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
According to the agreement signed with Terms Code 0913, Citi Bank N.A. has been obligated to respect the right of customers when dissatisfied with the credit card purchases. To use this right, only three terms must have been true. It is noted that if all of the three criteria are met and the customer is still dissatisfied with the purchase can address the XXXX XXXX XXXX to investigate. It is also noted that XXXX XXXX XXXX has been obligated to disclose the result of their investigations in a limited period of time to the customer. 
In my case, I presented my dissatisfaction with my purchases from Best Buy while respecting all of those three criteria to the XXXX XXXX XXXX and requested for the investigation needed. The XXXX XXXX XXXX refused to exert the required investigation. They wrongfully referred me to the lapse of time when a customer has found a mistake on his/her monthly statement that has nothing to do with the dissatisfaction of the purchases done. 
XXXX XXXX XXXX has been trying to give me knowingly false information. They prevaricated and avoided doing something that they should do. 
Due to the breach of contract from the XXXX XXXX XXXX side, I have suffered a lot of emotional distresses and their conduct has been detrimental to me for tone of dollars that must be compensated in addition to the specific performance that Best Buy company has to perform.

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 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I dont have an account with any of these companies or never applied for an account with these companies. it is affecting me from getting a small business loan for my business. XXXX XXXX XXXX XXXX is unknown to me i been trying for years to have it removed after my ftc case in 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: OH

Complaint narrative:
I dont have an account with any of these companies or never applied for an account with these companies. it is affecting me from getting a small business loan for my business. XXXX XXXX credit card is unknown to me i been trying for years to have it removed after my ftc case in 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX, OH XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE 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 2019-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used mobile app deposited two checks from XXXX XXXX XXXX, each amount is {$850.00}, and the total is {$1700.00}, she is my new roommates and I used XXXX XXXX  to pay my landlord rent. Chase bank restricted my checking account after I deposited the checks and used XXXX XXXX. 

I called the customer service and they wanted me to go to one of the branch offices, I went there yesterday, XX/XX/XXXX, and brought my new roommate XXXX XXXX XXXX there and I showed them the checks I deposit through my mobile app and my ID and they still restricted my checking account event the fund is posted already. After I verified all the information with them, they still restricted my account. 

FYI, the name of the Chase Branch manger is XXXX XXXX. the branch office address is XXXX XXXX XXXX, XXXX XXXX. 

Today, I went to the supermarket and trying to use my debit card, but the card still no good. I called the customer service again, they couldn't figure out why the branch office restricted my checking account, I need to know to use the fund, and I need to solve this problem. 

I am very frustrated, I need to solve this out, I already spent 3 days since I deposit the checks to my account and they assumed I am fraud, that's discrimination. I called, showed up in the branch, the checks are good, I didn't do any wrong, why they restrict my account? I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I've been falsely accused of Suspicious Fraudulent Activity that has been inaccurately reported to XXXX  & XXXX XXXX. This company has yet to verify any legal binding contract of any unpaid debt owed & refused to remove this erroneous item without an explanation. Failure to comply any proof of information of debt will result in small claims court for their action & damages of ; Defamation, Libel, Negligent Enablement of Identity Fraud & Violation of Fair Credit Report Act.

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 2019-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV FUNDING LLC is reporting a FRAUDGLENT colletion account on my credit reports! Ive reached out to them and requested proof this account is mine and sent in supportting documents proving this account there reporting is indeed fraud. As to date i have not gotten any response. They have not sent me anything via mail,phone calls or even tryed collecting this debt untill recently. They just recently reported it to my credit reports! Ive called and tryed speaking to someone who was less then helpfull. Ive sent supportting docments to the address provided by one of there agents i spoke to. The address given was XXXX XXXX XXXX XXXX SC XXXX. I have overwhelimg documents to prove 100% this is a fraud account!  The following is what is showing on my credit reports

LVNV FUNDING LLC
Original creditor: XXXX
Account number XXXX
Collection opened XX/XX/2019
Account type Factoring Company
Balance Loan Amount
$XXXX $XXXX

Payment Info

Original loan amount $XXXX  

Balance $XXXX
Updated on XX/XX/2019
Contact
XXXX XXXX XXXX
XXXX, SCXXXX
(XXXX) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I've been falsely accused of Suspicious Fraudulent Activity that has been inaccurately reported to Chex-systems & XXXX XXXX. This company has yet to verify any legal binding contract of any unpaid debt owed & refused to remove this erroneous item without an explanation. Failure to comply any proof of information of debt will result in small claims court for their action & damages of ; Defamation, Libel, Negligent Enablement of Identity Fraud & Violation of Fair Credit Report Act.

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 2019-12-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In mid XXXX 2019 I changed my name legally at the XXXX courthouse. Im XXXX, and it is to some extent a matter of personal safety to be able to use the right name on official and legal documents. A few months later I moved to a new apartment and the electric company required a credit check with Equifax to set up my electric. They told me Equifax would not release my report to them. I was able to find a work around by getting them to request my report using my old name, but it wasnt great and had some consequences. Now a few months later I need to access my report because I am trying to pay off some debts and also need to submit it for licensing purposes. I tried to use XXXX  to try to access all three reports, but they told me they were not able to access all of them. They said Equifax had put flags on my report or something. They recommended i call Equifax. I just tried calling equifax to explain the problem. First off, they XXXX  me the entire time which made the experience extremely distressful, even after I told them my new name which is clearly XXXX. Second, they said I had to buy a report in order to change my information. Then after I had bought it, they said they couldnt change the information. They said I would have to FAX them my social security card, birth certificate and all of this other information. Which is frankly XXXX. I dont even know where I would go to find a fax machine. And I dont want to have to send them all that stuff. And so now Im just XXXX I guess. Like am I just going to have to use my dead name forever with them??? Ugh. Anyway ... Yeah. Tl ; dr Equifax is XXXX   and exploitative and needs to get its XXXX together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2019, I contacted Citi because I did not receive my credit card bonus for signing up for an Aadvantage Card at the following link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see, the link says you are not eligible for the bonus if you have had the card in the previous 24 months. 

After not receiving my bonus offer, per the terms of the website which Citi controls, I contacted Citi because they had not honored the advertised offer. 

Citi advised I was ineligible because I had opened and closed a business card within a few days. I advised this was not the case. I was instructed to contact the fraud department, which I did on XX/XX/2019 when I spoke with XXXX. The fraud department determined I was correct, that I never opened a business account and closed it within several days. I confirmed the same to Citi. 

On XX/XX/2019, Citi said they would have the issue promoted for review. 

On XX/XX/2019 Citi conceded to me in an email, that I would receive the XXXX bonus miles, per the language of the offer on the website, within 2 billing statements. 

On XX/XX/2019, having not received the bonus, despite Citi advising they would deposit the miles, I contacted Citi inquiring as to why. 

Citi advised I was ineligible to receive the bonus because I had a previous card opened within 48 months, which is contrary to the information and language posted on Citis website, at the link above, which I relied upon when signing up. 

I advised Citi of the previous email I received, but Citi refused to honor the language in their own offer, after Citi had already conceded I was correct in the XX/XX/2019 email. 

All I am looking for Citi to do is follow through with what they told me they were going to do, after I spent countless time going over this issue with them. 

At this point, I feel defrauded.

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 2019-12-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX different occasions I am paying my bill in what I believe is in full. I am then being charged interest. The first time is on XX/XX/XXXX when I paid {$7700.00} but was charged interest of {$83.00}. The next XX/XX/2019 when I paid {$1900.00}. My bill was due on the XXXX. I was charged XXXX in interest. My intent when logging into Citi.com was to pay my bill in full. I then logged in XX/XX/XXXX, to pay the balance only to find another interest charge of {$13.00}. I can't tell what this is for.

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 2019-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I want to pull from reserve

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 2019-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NY

Complaint narrative:
Dear ERC Enhanced Recovery Company Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX PARTIAL ACCT # # XXXX XXXX  PARTIAL ACCT # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Name : XXXX XXXX XXXX Account # XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$490.00} Date Updated : XX/XX/XXXX Original Amount : {$490.00} Original Creditor XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$460.00} Date Updated : XX/XX/XXXX Original Amount : {$460.00} Original Creditor : XXXX Past Due : > $ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has furnished data to the credit bureaus that is inaccurate. Specifically Bank of America is reporting that I have a delinquency ( late payment ) for XX/XX/XXXX fro account ending in XXXX. I have been in constant communication with Bank of America. On multiple occasions, Bank of America advised that that the delinquency would be removed because the bank agreed that the data was inaccurate. On XX/XX/XXXX Bank of America sent me a letter advising that the credit report would be updated. That never happened. I hired a lawyer she wrote to the three bureaus requesting that they update credit reports to show no late payments. That also never happened. I have confirmed with Bank of America that their consumer dispute department agrees that I was never late on this account. Despite this Bank of America has failed to properly advise the three credit bureaus. 

The XX/XX/XXXX late payment data furnished by Bank of America is not accurate and must be corrected.

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 2019-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
DEAR RADIUS GLOBAL SLOUTIONS, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX PARTIAL ACCOUNT NUMBER # XXXX AMMOUNT OWED {$240.00} PLACED FOR COOLECTION : XX/XX/2019 SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
DEAR PAUL MICHAEL MARKETING SERVICE, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX PARTIAL ACCOUNT # XXXX PLACED IN COLLECTION : XX/XX/2016 BALANCE {$900.00} SINCERELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: TX

Complaint narrative:
sent affidavit of the issues caused by the data breach please correct the inaccurate information asap

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 2019-12-16 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
sent affidavit of the issues caused by the data breach please correct the inaccurate information asap

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 2019-12-16 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: TX

Complaint narrative:
sent affidavit of the issues caused by the data breach please correct the inaccurate information asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
I want to pull from reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
I purchased a {$500.00} prepaid visa gift card ending in XXXX and used it to make a purchase at XXXX, a grocery store. However, when I returned the item from XXXX and was refunded, the cashier mistakenly refunded me {$.00} XXXX XXXX cents XXXX more than the original purchase amount. Although the refund was processed, my card was shut down because of the trivial discrepancy and I was forced to call Incomm customer service because my funds were frozen, and I could not buy food or pay for gas with my card. 
Incomm customer service told me to send them a photo of my original return receipt via email, as that is the only document I have. I sent that email days ago, without any response. I have just called Incomm customer service twice again today, and both times I was put on hold and then hung up on. This is absolutely inappropriate and no way to treat a customer or a human being. I am filing this report because as of now, Incomm has stolen {$500.00} from me and is unwilling to respond to my submitted documents. I even used the referenced case number in my email, but despite going the extra mile, I still have not gotten my money back. Incomm has obstructed my attempts to resolve the matter with them directly and has been completely evasive and disrespectful. This is clearly fraudulent activity and I demand my cards full balance reinstated and the card re-activated for use.

Company response to consumer: Closed with explanation