vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Enticed by their XXXXXXXX Tiered Bonus offer I opened a checking account with Citibank on XX/XX/XXXX within the bonus offer window of XX/XX/XXXX through XX/XX/XXXX. 

( While I once believed I qualified for a {$700.00} bonus, after reviewing the dates and the fine print parameters of the offer, I concede I only qualify for the {$400.00} bonus. These dates and documents confirm that. ) To qualify for the {$400.00} bonus, I deposited an amount that exceeded the required {$15000.00} by the XXXX day of the account being opened, XX/XX/XXXX. 

The account balance exceeded the maintenance requirements ; balance did not fall below {$15000.00} for the minimum XXXX calendar days. The required maintenance period ended on XX/XX/XXXX. 

In XXXX I called Citibank on to verify that I was on scheduled and qualified to recieve the bonus ( I don't recall if it was confirmed to be a {$700.00} or {$400.00} bonus. ) I was told I would qualify if the balance remained through XX/XX/XXXX. 

According to the agreed terms and conditions I should have received my {$400.00} bonus by XX/XX/XXXX. 

I contacted Citibank multiple times after XX/XX/XXXX when I realized I had not recieved the promised bonus. Although not my first attempt, I have recorded that I contacted Citibank on XX/XX/XXXX. I was told I would receive a response within 3-5 business days, case # XXXX. I reached out again after the 5 business days and was told again that I would receive a response within 3-5 business days. Another attempt after another 5 business days I was told that I would have a response in 15 business days from my initial complaint. 

On XX/XX/XXXX, I received a document from Citibank denying my claim to the bonus and they requested I provide documentation by fax to prove that I am owed the bonus. Since they already have all the documentation in their own system I decided to file this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I received a fraud alert on my credit reports saying I have a derogatory alert. I went to my credit report and it showed a collection from a company I never applied which caused my score to decrease by XXXX points. The date is XX/XX/2023 in the amount of {$310.00} that is when it was put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: UT

Complaint narrative:
On approximately XXXX, I received an alert from XXXX that a change happened on my credit report. Its from Debt Solutions Recovery on behalf of XXXX XXXX. Funds were dispersed on XXXX for {$1800.00} I received a letter from DSR a few days later that says I owe in excess of {$3600.00} An email was received from DBS and I insisted bit wasn't me, but they said their client needs a police report. 
I filed a police report on XXXX, report # XXXX. 
I supplied the Detective the contract irroneiously done. Contract # XXXX. 
The Detectives investigation found the IP address was from Missouri, not Utah where I reside. 
The Detective suggested I contact the FBI because this is identity theft was a Federal offense since it's across State lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: CA

Complaint narrative:
I was reviewing my personal credit history from the app XXXX XXXX and then I found out there is an overdue amount from a collection agency. I called and collection agency told me it was XXXX XXXX XXXX account. They provided me the account number XXXX and the history, so that's why I reported fraud to XXXX XXXX XXXX. Someone used my identity to open the account and I did not know until I was checking my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
i contacted Early warning to remove a NSF charge which is inaccurately reporting and is keeping me from opening a new account. 

i showed proof that the charge was paid and the account is still active 2 years later after that the claim was made. 

the nsf was dated XXXX for {$570.00} for XXXX XXXX i sent them proof that not only was this charge paid but also i still maintain the account with XXXX 2 years later and many other payments have been made on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX. I called Wells Fargo Home Mortgage to help me with Loan Modification. I'm a XXXX  the market was collapsing. I sent all the information for 2 years. I got really XXXX. I had really XXXX XXXX  for 3 weeks, I XXXX XXXX. XX/XX/XXXX, I found XXXX XXXX Firm, I paid {$6500.00} they promised me to stay in my home and they will file a Mas Joinder Law suit against WFHM. XX/XX/XXXX they file a Lis Pendens. XX/XX/XXXX I received a acknowledgment from WFHM. XX/XX/XXXX XXXX voluntarily dismiss the Lis Pendens. XX/XX/XXXX WFHM FORECLOSED on my home. XX/XX/XXXX XXXX file a Mas Joinder Lawsuit. XX/XX/XXXX a letter from the Sheriff to VACATE.1XXXX a letter from WFHM under-review Loan Modification XX/XX/XXXX Declaration from XXXX XXXX XXXX securitization . XX/XX/XXXX received the Securitization Report from XXXX XXXX. XX/XX/XXXX I did a research and found the Note. XXXX My family and I got EVICTED. XXXX I received the NOTE from UNITED STATES OF AMERICA Securities and Exchange Commission. The NOTE can Not be sold and securitized no more than 3 months. WFM Backed Securities XXXX Trust with a Closing Date of XXXX XXXX. Violation of PSA Invalidates the ownership of the property to the foreclosing party. XXXX XXXX I'm still legally the owner.

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 2023-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I was contacted by a ( XXXX ) XXXX number claiming to be credence resource management claiming I owed almost 2000 XXXX for an ambulance used XX/XX/XXXX, XXXX almost three years ago. I left all of my information for the hospital to charge my insurance but chose not too. I was never contacted about this, I never received any written information about this. I was never even told I could dispute this debt. I dont have the funds to pay that right now. Please help me! Theyre calling me everyday!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: VA

Complaint narrative:
This XX/XX/2023 I received an alert from EXperian regarding my disputes updates on all of my accounts that are associated with my discharged bankruptcy ( attached ). The report is still inaccurate because balances are still showing on report, status not corrected, past due/Negative/delinquency/deragotory, should not be reporting negative months if debt was discharged in bankruptcy court, all mentioned is showing inaccuracies on the credit reports of these accounts : XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX, Acct XXXX, Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX & XXXX Any other Acct Ive missed that should be included. remove/ or update The XXXX credit bureaus have also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please remove or update all accounts to show all below : 1. Account balances should be {$0.00} or blank.

2. Status of Account should be " Included in Bankruptcy '' OR " Discharged in Bankruptcy. '' 3. Any " Past Due Balance '' must show as {$0.00} or blank.

4. Any " Charge-Off Balance '' must show as {$0.00} or blank.

5. There can not be any monthly delinquency reported AFTER your Bankruptcy Case was filed.

You are causing my credit score points to go down because your staff arent updating theyre causing scores weekly to drop that went up. Now my score is poor not fair This is a violation of my rights.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is a demand of removal!!

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance to the Fair Credit Reporting act the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States That I Have a right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other TN an records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
XX/XX/2023 : Recieved a notice of Garnishment from local court from Stenger and Stenger. I had not been previously contacted by them for possible legal action. 
XX/XX/2023 : Finalized repayment plan to avoid garnishment, {$75.00} bi-weekly. 
XX/XX/2023 : Notified that a garnishment was taken out of XXXX from my paycheck for XX/XX/2023. I also recieved a letter that same day stating Stenger and Stenger was going to debit {$75.00} from my bank account. 
XX/XX/2023 : Stenger and Stenger is refusing to apply the XXXX that was already taken via garnishment from my paycheck and refuses to refund me that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was charged a late fee for a charge I was not aware was made until notified of a late fee. I called to have the late fee removed which was approved and I paid the balance amount. Later this approval was reversed without my knowledge and I was charged another late fee along with the original late fee. I was thanked on the original call for being a customer for 20 years, but now am receiving no service from Amex. 

I pay my balance in full on all cards and would like the errant fees removed so that I may close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
called bank of america and they agreed that on their end, i did not request for any credit but advised that i report it to the credit agencies

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 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Roadrunner Account Services, LLC
State: NV

Complaint narrative:
I have continuously showed this company that they are reporting inaccurate information on my consumer report. They are reporting charge-offs on my consumer report when the IRS stated that charge-offs and cancelled debts are considered income, and INCOME IS NOT REPORTED ON CONSUMER REPORTS. I have sent these chumps a copy of the IRS publication which states what law they are violating and how to resolve the matter, but they refused again. These morons continually ignore what the law states in order to put inaccurate information on my report. Furthermore, these morons was also suppose to send me a 1099-C form for the debt cancellation, which they have not done. This is my final response to this company to delete inaccurate information from my report or litigation will begin

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent Accounts appearing on Credit Report. 

XXXX. XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX  {$1000.00} XXXX. XXXX XXXX {$1900.00} XXXX. XXXX XXXX {$16000.00}

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 2023-03-17 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the JPMCB account also known as JPMorgan Chase Bank in a Charge-off status and past due balance estimated to be {$10000.00}. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There are 2 charges for {$57.00} posted XX/XX/2023 I didnt authorize or make. Disputed There 2 charges from XXXX XXXX  1 charge {$120.00} I returned both item I received on XX/XX/2023 through UPS and I have a tracking number. 

1 charge & 3?.? I cant see the chart but I had disputed this with the bank item was canceled before it would ship because it wasnt available. 

I closed that card and waiting on a new card. 

Seeking refunds of : {$57.00}. Unauthorized {$57.00} Unauthorized {$120.00} returned merchandise XXXX XXXX  tracking : XXXX {$3.00}??? Canceled and unauthorized 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 monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
My card was charged 11 times for XXXX dollars I didn't even do they said no error on there end so ridiculous I didn't not authorize anything like that I want my money returned Also they closed my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX I truly have no knowledge of this account however i did dispute this account never recieved a response. This is very damaging to my credit i would deeply appreciate if this account will be removed as soon as possible. XXXX XXXX credit card XX/XX/XXXX XXXX i used this credit card company to build my credit i used my own money when i told them i wanted to close this account they did not they continue to put late payments on my account which is incorrect i asked them to send me my money back they never did however i could careless about they money i just want this item removed from all three credit reports i would deeply appreciate it so i can start rebuilding my life and credit so i can make a better life for my family thank you for your time. 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting company can not furnish a account without my written consent 15 USC 1681 S- ( a x1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any resonable cause to believe that the information is inaccurrate. So im asking to please remove both accounts from all three credit report agencies i would deeply appreciate it. Thanks for your time

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX I truly have no knowledge of this account however i did dispute this account never recieved a response. This is very damaging to my credit i would deeply appreciate if this account will be removed as soon as possible. XXXX XXXX credit card XX/XX/XXXX XXXX i used this credit card company to build my credit i used my own money when i told them i wanted to close this account they did not they continue to put late payments on my account which is incorrect i asked them to send me my money back they never did however i could careless about they money i just want this item removed from all three credit reports i would deeply appreciate it so i can start rebuilding my life and credit so i can make a better life for my family thank you for your time. 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting company can not furnish a account without my written consent 15 USC 1681 S- ( a x1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any resonable cause to believe that the information is inaccurrate. So im asking to please remove both accounts from all three credit report agencies i would deeply appreciate it. Thanks for your time

Company response to consumer: Closed with explanation