vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: National Credit Adjusters, LLC
State: NV

Complaint narrative:
I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under National Credit Adjustment in XXXX of XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, NCA is reporting it as new debt. My current credit report shows the account was opened in XXXX of XXXX which is inaccurate. XXXX shows the last active date as XXXX of XXXX but XXXX says XXXX of XXXX while XXXX says XXXX of XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called NCA on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with NCA. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Experian Information Solutions Inc.

Complaint narrative:
I am an American XXXX XXXX veteran living in the XXXX for the past 8 years, I am also a member of the XXXX XXXX XXXX XXXX. Every time I try to get a loan or credit card they deny me because all the credit bureaus in the United States give me a bad rating. I am a home owner here free and clear but none of that information is on any report. Also, they keep telling me I have not opened any revolving accounts in the past year, if I live in the XXXX why would I open an account in the United States? Also I am unable to get a copy of my credit score as they tell me I have to be in the United States. What a mess?

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 2020-08-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally bank ran a promotion where they would pay a bonus of {$250.00} if you deposited {$25000.00} or more by XX/XX/20 and kept it on deposit until XX/XX/20. 
I complied with these terms and they are now refusing to pay the {$250.00} bonus to me. 
Thats not right

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 2020-08-07 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have noticed that JPMCB have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested JPMCB and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b )  for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a loan with CAP ONE AUTO and XXXX XXXX  ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AP ONE AUTO and XXXX XXXX  ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I have a loan with XXXX XXXX XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Blocking XXXX from linking with my account. Please allow

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I received a collection notice from Receivable Solutions , Inc. dated XX/XX/20. Yet, I received the notice on XX/XX/20. I also didn't receive a past due notice from the provider, XXXX XXXX XXXX prior to the collection notice. Due to Covid19, payment arrangements were made on the account to pay XXXX XXXX  monthly. In addition, the amount of the balance on the account is {$170.00} not {$220.00}. I paid {$50.00} on my account online on XX/XX/20 Receivable Solution used abusive collection tactics in failing to confirm the amount and whether a past due notice was mailed to me prior to placing this bill on my credit file, which has caused creditors to reduce my credit limits. I will be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
contacted Experian on XX/XX/XXXX about charge offs on accounts that have been on my credit report since XX/XX/XXXX, I have never never made any payments on this loan never and they fail to show me proof of payments made and they fail to remove these accounts off my credit report, XXXX XXXX {$2700.00} US Dept of EDXXXX {$3900.00} Us Dept of EDXXXX {$2600.00} Us Dept of EDXXXX {$5200.00}

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 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. XXXX   shows the last active date as XX/XX/XXXX but XXXX  says XX/XX/XXXX while Transunion says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability

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 2020-08-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. XXXX   shows the last active date as XX/XX/XXXX but Equifax says XX/XX/XXXX while XXXX  says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: NV

Complaint narrative:
I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. Experian shows the last active date as XX/XX/XXXX but XXXX  says XX/XX/XXXX while XXXX  says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability

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 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
I recieved a letter from Radius Global Solutions attempting to collect a debt owed to XXXX XXXX XXXX XXXX XXXX. I received calls daily from Radius. I requested that the phone calls cease immediately because the bill was supposed to on hold. 

On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX to confirm whether the bills were still on hold. She indicated that the bill was sent to Radius in error, but she would request a return of the bill. 

Radius has violated collection practices by placing the bill on my credit files after my contact with the company within 30 days of the notice. I inform Radius representative to return the bill to the provider. Nonetheless, this collection bill has been placed on my credit files. which has negatively impacted my good credit.

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a Discover Member since 2013, but they have closed my account but I never made a late payment or did any thing wrong, This is affecting my credit score since my total available balance is dropping significantly,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was enrolled in a Targeted Citi Offer to open a new Citi Tiered Bonus Checking Offer. 
There was a bonus incentive tied to meeting the requirements, which resulted in a {$500.00} bonus. 
I completed all requirements, but the bank only paid out a {$400.00} bonus. Efforts to resolve this with the bank have been unsuccessful. 
( Terms Attached )

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's Credit Card issued by Macy 's through Department Stores Nat. Bank. 
I used this credit card only in Macy 's and always paid it monthly in full and on time. I do not use any credit. 
Suddenly in XX/XX/2020, they charged me a {$28.00} fee for Late Payment. I did not owe them any money. I called them and asked them to cancel this undue charge and to cancel the card. I do not have any card debt and can not afford any charges. They accepted verbally to cancel the {$28.00} fee and to cancel the card. 
To my surprise, they continued to charge the card with Late Fees and Interest. 
To this date, they have charged {$150.00} ( Late fees for {$140.00} and interest for {$4.00} ). 
They have kept the account open against my will to charge fees and interest. 
This is clearly an attempt to collect money from a person who does not owe because she is not buying anything. Apparently they want to increase the account with more charges each month until the amount increases to thousands of dollars. I refuse to pay this or any amount they charge in the future.

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 2020-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
MY name is XXXX XXXX, key bank denying me of my civil rights. releasing my own personal informaton. then to be discriminated against by the branch manager XXXX XXXX, and refuse me again my personal account info when asked why she said that there where fraud charges against me and block on account, she was already aware, that I XXXX XXXX put the claim into the fraud department, and put the block on account because XXXX XXXX had me go to the branch sign a form on XX/XX/2020at XXXX XXXX branch XXXX releasing my account to the fraud department, because that account has a XXXX balance she asumed and made me feel like i was some broke poor XXXX but she failed acknowledge to see i have 4 other accounts with substantial funds. XXXX XXXX said go to fruad, fraud defferd to XXXX XXXX and branch ... .which still led to me being deprived of accessing my account ... I made further complaints to XXXX from keybanks executive office on XX/XX/2020.. I have numerous internal investigations againt keybank being  done by themselves, upon doing so they were then forced to give me my own personal bank info, on XX/XX/2020 at the end of the transaction my wife and I were then notified as were leaving by the LEAD TELLER XXXX XXXX ... that all of out accounts will be closed by XX/XX/2020 ... what powere and authorization does a lead teller have? when we said the other account we have issues with have nothing to do with our personal accounts how could they do that..she in return said were you open your account you sign it in your contract, so she is basically telling me that i have 1 business day to find a new bank to put our life savings in ... when they keep telling us that ... we are valued customers and there sorry that where being treated like this andthey will get to the bottom of this, but in the meantime there putting us through more and more ... the lead bank teller XXXX said by tuesday if we dont take our money out of our accounts then they will be closed no matter what and they will mail us checks out for our money ... then we go to police station to file police report with officer he then gives us a report ... .that barred and forbid to enter or call any KeyBank National Association properties ... so once again they are holding us from our civil rights ... and withholding our hard earned money and life saving. i should be mourning my mother and now i have to fight for whats rightfully right.. and still we have no rights ... ... .. 
Number 2 ... .... 
THEY NEED TO BE ADBDICATED ... BECAUSE THAT BRANCH IS COMPROMISED BECAUSE THAT BRANCH IS SYSTEMICALLY INCLINED TO OPPRESS XXXX XXXX PEOPLE FROM A DEMOGRAPHIC STANDPOINT THAT WE ARE PEONS IN OUR OWN COMMUNITY, SO THERE MENTALITY IS CONDECENDING, ANDWHEN YOUR IN A POSITION OF CLOUT YOU HAVE OPPORTUNITIES TO BE OPPRORTUNISTIC ... ..AND THAT XXXX AND IT STARTS FROM THE TOP

Company response to consumer: Closed with explanation