vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I open an American Express platinum card for XXXX XXXX in XX/XX/2019. I finished the spending requirement {$5000.00} with the first three months after I opened this card and get a bonus of 60000 Membership Rewards points. However, the bonus has been clawed back this month ( XX/XX/XXXX ). They tell me the reason is this card has been canceled ( because of my XXXX XXXX access investing account is canceled ). But most importantly, I used to call them several months ago and the representative tells me that if the membership rewards were given to my account and they will never remove it. Obviously they lied to me. 

My American Express platinum card for XXXX XXXX is canceled is not I want to close it willingly ( not like some gamer just want to get the bonus and then terminate the account ). The reason for the cancellation is The XXXX XXXX access investment account close my account and they do not let me to reopen a new account and dont tell me the reason. I am still working on that. 

Above all, I can prove that i am not a credit card gamer so my bonus rewards should not clawback.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called Transunion customer service to get inquiries removed for being a victim of their inquiry issue and they did not want to take care of the inquiries by removing them and resolving the problem. I would like the problem resolved 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 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2019 I saw a {$140.00} overdraft fee PENDING, so I deposited enough money to make it positive without the overdraft fee. I immediately called customer service and her answer was that I had a {$74.00} overdraft refund last XX/XX/XXXX, so she could not reverse the current {$140.00} fee. I told her that was due to XXXX XXXX charging me twice in the same month for the same service. Management admitted to the problem and I had them on speakerphone with a witness. They later tried to rebuke the statement and said Florida does not allow a witness to overhear conversations. Since I had a XXXX area code he must have thought I was in Florida and I told him I was in North Carolina and they do allow such action. He was taken back. So without the {$74.00} fee she would have reversed the {$140.00}. I also sent an email in explaining that 3 of the charges were from XXXX, a 5/3 product meant to save you money, not cost you money. The PENDING charge of the fee should have allowed me to cover it as I did and that works at all other banks. This is unwise to hide the transaction for a day and then not be able to do anything with it. I took out a cash advance to cover it and that cost me another fee plus high interest. Customer Service just wants to send out some legalize letter to me explaining what happened ; I am not interested. I have worked as a Vice-President of XXXX and know that a policy can be overridden if it is in the interest of customer satisfaction. I am being taken advantage of here and these banking laws are iffy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
On or about XX/XX/XXXX I received communication via USPS concerning a debt for account XXXX. Under the Fair Debt Collection Practices Act I have 30 days to ask for you to verify a debt. XX/XX/XXXX I sent a certified letter requesting that you verify the debt which was received by your office of XX/XX/XXXX. As of XXXX XX/XX/XXXX the debt was never verified. Because EOS CCA could not verify the debt they can not legally continue collection practices but this hasn't stopped them. On XX/XX/XXXX two years latter I received another letter from EOS CCA trying to collect on the exact same alleged debt. They are in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
the following credit cards opened on my name and it is on my credit report, I never used or opened this credit cards XXXX XXXX XXXX XXXX XXXX American Express Credit limit XXXX XXXX XXXX $ {$4000.00}. 
XXXX XXXX {$2000.00}. 
XXXX XXXX {$17000.00}. 
XXXX {$3000.00}. 
XXXX XXXX {$3000.00}. 

- XXXX Credit Card was opened on my husband 's name, also I was not aware I am on this credit card, please advise - XXXX XXXX XXXX XXXX XXXX - it was a mortgage company, please remove Regardless, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
the following credit cards opened on my name and it is on my credit report, I never used or opened this credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit {$10000.00}. 
Bank of America $ {$4000.00}. 
XXXX XXXX {$2000.00}. 
XXXX XXXX {$17000.00}. 
XXXX  {$3000.00}. 
XXXX XXXX {$3000.00}. 

- XXXX Credit Card was opened on my husband 's name, also I was not aware I am on this credit card, please advise - XXXX XXXX XXXX XXXX XXXX - it was a mortgage company, please remove Regardless, 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 2019-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have Citi Bank Checking account with check writing facility. The bank send me the check book, but they did not send me check activation form. I have contacted them 4-5 times ( phone & online banking chat ) but no solution. They keep frustrating and i can't do high amount transfer, especially when they have no branch in Texas. They also don't give me anyway to escalate it!

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 2019-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
On XX/XX/2017 I became XXXX and still am XXXX now. For 6 months following my initial XXXX date I received no income. It was hard to even keep food on the table. Id bought a vehicle prior to my XXXX and could no longer afford payments. I contacted my finance company to voluntarily surrender the vehicle. They wouldnt acknowledge this and rather than picking up the vehicle, they continued to harass me for the payment for 5 months, all the while the vehicle sat in my driveway undriven and in immaculate condition. Then, it was repod like a thief in the night. Id have given them the keys but they preferred to treat me like a criminal. After a couple of months, I began receiving calls from a debt collector. The truck had been auctioned and of course, there was now a negative balance they claimed I owed. This debt collector called both my wife and Is cell phones Sundays, Saturdays, morning, night, holidays, etc, daily demanding a payment. This went on until just a couple of months ago when I explained that I have been on XXXX and didnt realize the dealer shouldve paid off the vehicle with my XXXX insurance I was sold by the finance department. Theyve now sold the debt to a new debt collector. I challenged this debt with XXXX XXXX who ruled in the debt collectors favor, naturally. Im trying to buy a house now and cant because this bogus XXXX is on my credit report. Id like to sue all involved. They shouldnt be able to get away with ruining a XXXX mans life, but they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After several attempts to remove this particular account and has come back onto my credit profile.

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 2019-10-21 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: NC

Complaint narrative:
I filed a complaint with CFPB regarding an account XXXX XXXX XXXX on XX/XX/XXXX. This item was successfully removed from my XXXX report based on the CFPB 's investigation completed on XX/XX/XXXX complaint # XXXX. I submitted the documentation to CRA XXXX and they have refused to remove this account from my report. I am requesting that this account be removed from the other 2 credit reporting agencies ( XXXX & Transunion ) based on the investigation results that removed the item from my XXXX report.

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 2019-10-21 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I purchased a used car from dealership with my own financing on XX/XX/19. Dealership cashed 2 different loans for the same car, resulting in my debt to income ratio been higher and showing multiple loans. Original purchase was {$25000.00} and dealership accepted twice the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX : Improper Repossession Practices of XXXX XXXX XXXX VIN # Dear Sir/Madam : This is a written statement to notify you of a Violation of the Fair Debt Collection Practices. 

On the afternoon of XX/XX/XXXX ; I was approached by my neighbor while walking from the mailbox located on the street corner. My neighbor ( female ) who resides at XXXX XXXX XXXX ; stated that she was outside in her yard when she noticed a tow truck driver ( XXXX male ) pulled up and was sitting directly in front of my home located at XXXX XXXX XXXX. She stated because he could not visibly see what cars was at my residence ; due to the garage door being closed. He yelled to get her attention and asked information regarding the residents living in my home and if she saw a grey XXXX XXXX. She asked him what business is it to you, and he told her he had a work order to repossess a XXXX XXXX. She told him that was none of her business and continued what she was doing. She told me he began asking other people outside about the car. She noticed after a few minutes went by the tow truck driver pulled off. My neighbor advised told me to please keep my garage door closed. I immediately advised her that I had nothing to hide and will contact the lien holder on Monday. 

Therefore, on Monday, XX/XX/XXXX at XXXX XXXX. ; I called Credit Acceptance Corporation at XXXX and spoke to Mr. XXXX at Extension XXXX. I advised him that some tow truck driver ( XXXX Male ) was asking my neighbors about the XXXX XXXX XXXX and had the audacity to state he was repossessing the car. I informed him how humiliating it made me feel to have my neighbors knowing my personal business. I told him if the driver would have knocked on my door ; I would have given him access to the vehicle. He proceeded to take down my statement and assured me he would escalate my complaint to a supervisor and have the vehicle picked up immediately. 

Furthermore, Im requesting a full investigation into this unethical business practice of this company. As a result of this unethical violation ; Im seeking to have this improper seizure and debt removed off all credit bureaus and seek damages. The creditor did not notify me in writing and/or by phone of the repossession. I was not notified of this debt and/or repossession until after Credit Acceptance received possession of the vehicle and my letter notifying them of this debt. As of this date, my letter has not been responded to by the creditor. I greatly appreciate your assistance in this matter and look forward to your prompt response. 



Respectfully, 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 2019-10-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I disputed withTransUnion a XXXX XXXX account XXXX reported as a charge off against my credit file. On XX/XX/2018, less than 24 hours later, TransUnion reported they did an investigation and the account was verified. 

Because I know the XXXX  XXXX account is reported in error and because any investigation into the legitimacy of a disputed account takes more than a few minutes to accomplish, on XX/XX/2018 I requested from TransUnion a Method of Verification pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to document how the XXXX XXXX account was " verified '' by providing the following within thirty days : What telephone number did you call? 
What is the name of the employee from your company who spoke directly to the above party? 
What is the job title of the employee of your company who spoke directly to the above party? 
How long has that employee been employed by your company? 
What formal training was provided to this employee to investigate items of this kind? 
Was there any e-mail or written communication between members of your company and the above party? 
If there has been written communications, please provide copies of all correspondence, copies of any and all conclusive documentation to prove that you have, in fact, conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency.

Provide the SPECIFIC date reporting that these items will cease. 

The Method of Verification request was sent via First Class Mail and facsimile to TransUnion on XX/XX/2018. ( a true and accurate copy is attached including facsimile confirmation receipt. ) Under the statue, TransUnion must respond to the request within 30 days. To date, TransUnion has failed to respond over a year later. 

After many phone calls and correspondence, TransUnion refuses to cooperate with request and continues to report the XXXX XXXX charge off against my credit file over one year later.

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 2019-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
Company has re-aged a debt.

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

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 2019-10-21 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: IL

Complaint narrative:
After several attempts to remove this particular account and has come back onto my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: IL

Complaint narrative:
After several attempts to remove this particular account and has come back onto my credit profile.

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 2019-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
i send Transunion letters on XX/XX/2019 and on XX/XX/2019 my name my address my social security card my State ID a police report and a explaining to them that someone used my personal information to search for credit cards and carloans under my name Fraudulently, I send them 3 times and 3 different occasions letters requesting them to remove the unauthorized inquiries, I have attempted several times to resolve this issue and this matter with the furnishers but never received the courtesy call or a reply of any communication from them whatsoever. there fore, iam instituting legal actions against each violation title 15 U.S.C 1681 also know as the Fair credit reporting. I restate my demand to remove these inquiries from my transunion credit report I spoke to " XXXX '' a fraud credit specialist from the Transunionon XX/XX/2019, she said she didn't find any documents that I send throw USPS mail, ihave proof of what I send and I have the receipt of usps, please help

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 2019-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX, I went to Check-n-Go XXXX XXXX XXXX, XXXX, MI XXXX XXXX to get payday loan. After approval and all paperwork done, I was informed they had no cash and I had to receive my loan in their check or by XXXX prepaid card. Since a check is held for days at most banks and XXXX cards have transaction fees, I declined. Is this legal-for them to pay out this way? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
XXXX dollar ongoing charges for car washes that i did not authorize for a total of XXXX. I never enlisted in the XXXX XXXX car wash program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21 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: NC

Complaint narrative:
I purchased a used car from dealership with my own financing on XX/XX/19. Dealership cashed 2 different loans for the same car, resulting in my debt to income ratio been higher and showing multiple loans. Original purchase was {$25000.00} and dealership accepted twice the amount.

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