vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I used my Capital One XXXX card to guarantee 2 hotel rooms for XXXX XXXX XXXX XXXX on XXXX   for the nights of XX/XX/XXXX & XX/XX/2018. The price for these rooms was XXXX euros.

However, my friend, who was in the room with the king sized bed, was to make payment for both rooms for both nights. In fact, I was standing at the desk when he told the clerk to use his card to make the payment for both rooms. He has since checked his credit card statement and he was charged for the two rooms for both nights. I sent proof of this to Capital One 's transaction dispute department in the form of the statement from my friend 's credit card. He was charged a total of XXXX   euros because he had an additional XXXX euros worth of bar charges and for items from the mini fridge in his room.

I contacted Capital One on XX/XX/XXXX to let them know about this. Since my first contact with them I have been required to send proof FOUR TIMES that the rooms were already paid by my friend. Initially they credited my account for both nights advising me to keep all records on hand for 90 days until the hotel had a chance to respond.

I received notification from Capital One on XXXX XXXX stating that the hotel had sent proof verifying that the charges were correct. Mind you, this is outside of the 90 day window for the hotel to respond. The " proof '' they sent was a copy of my credit card receipt signed with my friend 's name. However ; it is not my signature nor that of my friend as he had already paid for the rooms with his XXXX XXXX. I sent Capital One copies of my signature and his to show that it was not either of our signatures on the receipt. Not to mention they received copies of his credit card statement four times prior showing that the rooms were paid.

If the charges were correct, then why is Capital One only making me pay for one of the nights for one of the rooms and not for all of the rooms for all of the nights? Why did they give me a statement credit for one night for one room, but are insisting I owe for the other room? I also asked for assistance in what to do about someone fraudulently signing my card and the case manager simply stated that the matter is closed as far as she is concerned.

I will close my account with Capital One and advise others not to use them. Why would I want any of their credit cards if they don't have my back when a merchant is attempting to steal from me?

What's in your wallet? I hope it's not Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12 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: GA

Complaint narrative:
I have sent numerous ( 10 ) certified and Notarized letters to Experian to correct errors found on my report but to no avail the reply Ive gotten back is that all information has been verified and or updated. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have repeatedly requested the names, addresses and telephone numbers of individuals Experian contacted during their investigation and again still no avail. In addition, I have asked Experian in a written notice making a correction on my name as they have incorrect names listed on my report. Again, incorrect information they refuse to correct. I have sent copies of my identification to include Drivers License and SSNcard repeatedly. Again, still no avail. After several ( 10 ) unsuccessful letters, I have experienced tremendous stress and anxiety as a result of multiple attempts to correct Experians false reporting and failure to correct such errors which my identification has repeatedly been provided and the letters sent were Notarized. The entire experience and  repeated attempts for correction has imposed upon my significant distrust, frustration and distress, and has rendered me hopeless as to my ability to regain my good name and the credit rating that I deserve and has worked hard to earn. On multiple occasions I have initiated disputes with Experian ( Proof of Certified  tracking : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). My requesting that Experian correct and/or delete a specific item in my credit file that is blatantly inaccurate, by failing to conduct a reasonable investigation into my disputes in this regard, Experian willfully and/or negligently violated the Fair Credit Reporting Act 611 ( a ) 15 U.S.C. 1681i ( a ) ( 1 ) with respect to each dispute lodged. I have been attempting to get multiple issues resolved consistently since XX/XX/2017. Ten ( 10 ) certified and notarized letters should warrant an expedited resolution

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 2019-01-12 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: OH

Complaint narrative:
According to my recent credit report request from XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX USA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12 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: OH

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, USA

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 2019-01-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX we submitted a form to surrender our XXXX XXXX. 

On XX/XX/XXXX the vehicle was picked up. 

On XX/XX/XXXX the vehicle was sold for {$19000.00} leaving a balance of {$8000.00}. 

On XX/XX/XXXX we paid a payment of {$250.00} We cancelled gap and some other extras which brought the balance down further. 

We made {$400.00} in payments XXXX & XXXX we are currently set for 3 more months of {$200.00} payments. Towards the balance. 

Today Chase marked on our credit that this account is in charge-off and that weve failed to pay. Which from the above information WE HAVE NOT. 

On XX/XX/XXXX the balance will be {$6800.00} as another payment is scheduled to draft from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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:
I have already reached out once to Experian & XXXX about the 2 following accounts : 1. XXXX XXXX XXXX - {$450.00}. This account do not belong to me.

2.XXXX XXXX XXXX- {$12000.00} account does not belong to me.

they response debts were verified - well according to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed above. 

Under the FCRA, unverified, invalid accounts must be removed.

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 2019-01-12 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Went shopping at the XXXX/XXXX XXXX XXXX  store in XXXX Wa at the mall on XX/XX/2018. I was talked into getting a credit card for a percentage off of my purchase. I received my bill for {$250.00} sometime in XX/XX/XXXX. I went into the store to pay off bill before due date and wrote a check for {$250.00} addressed to XXXX on check number XXXX on XX/XX/2018. I received a bill in the mail in late XX/XX/XXXX saying I had a late fee. I called XXXX credit card and explained that I had payed it. They turned me into the XXXX XXXX  collections. I have been in contact with them many times. I have sent them a copy of the front and back of my check. I have told them that my bank has said that the check went through and was cashed. They told me it can take 6 months to look into. My annual credit report is now affected. I am only asking that they dismiss the charges since the bill was already paid. This will of course fix my credit. I am upset that they keep calling me and sending me bills even though I am disputing. It feels like harassment. I was happy to send them a copy of the check front and back but they have requested it sent again because they complained that the back was smeared which I had nothing to do with, They requested a receipt from my in store payment which I did not keep and have let them know. I feel like I have been ignored by them. Instead of working with me they are dragging this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: KS

Complaint narrative:
Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.

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 2019-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a new Citi Checking account at the XXXX branch located at XXXX XXXX XXXX XXXX, NYXXXX last XXXX. 

I was assisted by XXXX XXXX, who no longer seems to be working there, and XXXX XXXX XXXX. Her contact number is XXXX. All attempts to contact her by phone failed, and emails where unanswered. 

According to the checking promotion I used when opening the account, after making a {$15000.00} deposit and maintaining that balance for 2 months, I should have been credited a {$400.00} bonus within 3 months of meeting the requirements. I met those requirements in late XXXX and the bonus was never credited. I can provide an email I received from Citi shortly after opening the account, reminding me of the bonus requirements. 

I contacted customer service on several occasions. The first few times they assured me that all requirements had been met and that the bonus would be credited 90 days after that. Coincidentally, after the 90 days elapsed, they started insisting that according to the terms and conditions, a savings account was also required and they initiated two requests that did not fructify ; I also contacted more than five chat representatives through my online account. The case number I was provided with is XXXX. 

According to both the promotion I brought to the branch and the Citi email that I received shortly after opening the account, this is not the case. Not only that, the promotion is explicitly referred to as " Checking Bonus ''. Furthermore, when the banker asked me if I was interested in opening a savings account, I double checked with him to make sure that was not a requirement, and after inspecting the promotion he said that it was not. The savings account requirement was only buried in the terms and conditions. 

I have never experienced this degree of dishonesty before.

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 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018 we submitted a form to surrender our XXXX XXXX.

On XX/XX/2018 the vehicle was picked up.

On XX/XX/2018 the vehicle was sold for {$19000.00} leaving a balance of {$8000.00}.

On XX/XX/2018 we paid a payment of {$250.00} We cancelled gap and some other extras which brought the balance down further.

We made {$400.00} in payments XXXX & XXXX. we are currently set for 3 more months of {$200.00} payments. Towards the balance.

Today XXXX marked on our credit that this account is in charge-off and that weve failed to pay. Which from the above information WE HAVE NOT.

On XX/XX/XXXX the balance will be {$6800.00} as another payment is scheduled to draft from our account.

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 2019-01-12 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: KS

Complaint narrative:
Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX  ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.

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 2019-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I applied for the Citi AAdvantage Platinum Select card through the XXXX XXXX website because they offered a {$250.00} statement credit on XXXX XXXX purchases if approved for card when applying on XXXX XXXX website. I called Citi bank on XX/XX/XXXX to see if I will get the credit before I booked a {$270.00} flight with the card. The representative said she put in a request for me to get the credit and it was a guarantee that I would get the {$250.00} credit and it will show up on my bill before my first payment was due ( XX/XX/XXXX ). Because the representative said I would get the {$250.00} credit, I booked the flight shortly after our conversation. Since then, I have spoken to numerous representatives from Citi on the phone and received 2 letters in the mail saying my account is in fact, NOT eligible for the {$250.00} credit. Now that my credit card bill is due 2 days from now ( on XX/XX/XXXX ), I am paying {$250.00} more than I was expecting to pay because of the misinformation given to me. My buying the flight was contingent on getting a {$250.00} statement credit so had the representative told me the correct information in the first place that I was not eligible or that it was just a possibility, I would have done something different with my money when buying the flight and in the mean time. Now, I have a bill that I was not expecting to pay and can not afford because I was told I would absolutely, 100 % get the credit. I have spoken to many people from Citi and XXXX XXXX about this and they have not helped me. The representative from XXXX XXXX said that because I was told I would get the credit, they would honor what they said and give it to me and I still have been denied it. I am very unhappy that I was told the wrong information and now I have to pay a very large bill because of the employees at Citi.

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