vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
ON XX/XX/2019 I APPILED ONLINE FOR A XXXX XXXX CREDIT CARD, REFERERNCE NOXXXX, SEE ATTACHED. I HAD A SECURITY ALERT ON XXXX, BUT WAS REMOVED AND NOW NEED THEM TO LOOK AT MY CREDIT TO FINISH APPLICATION PROCESS TO ISSUE CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Automated Collection Services, Inc.
State: GA

Complaint narrative:
After going to a XXXX  ( XXXX XXXX, XXXX XXXX, Ga for XXXX XXXX screening with insurance I received further bill after paying copay and more at the appt. I explained to Dr. office I had to go on XXXX because of illness and I would pay when I could as I had a stack of medical bills and was not able to work. Dr. turned XXXX bill over to Automated Collection Services , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX. I took Automated Collection Services calls explained the situation and was making payments. Out of the blue with no warning they reported me to XXXX  as not paying debt and my credit score dropped 30 points. I was very upset and scared so I paid off the rest and reported complaint with XXXX. They said when they looked in to it because the debt was paid there was nothing they could do. They were rude and offered no type of resolution of how to repair my credit score. My credit score has not gone back up even though I paid the debt. Thats what I want at this point. I was working with Automated Collections Services Inc. to pay off debt and it is wrong they were able to damage my credit like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: OR

Complaint narrative:
XXXX Unethical practices. I was late due to LendingClub pulled from and old account and caused me a {$30.00} fee. Email to for credit of XXXX Was told had to call into to request. Called to ask and declined. Never asked for credit in the past. Have had a few loans and was never late. Said unless paid report 30 late and destroy my credit on LendingClubs late fee! This company is unethical! No one reports on a late fee to the credit bureau until 30 days after late. Not on a late fee LendingClub accessed To top things off they blamed me even though my email Clearly says what account to use. This is the worst company. They dont help consumers at all. I paid {$400.00} that covered the payment. I was force to pay the late fee to avoid a 39 late. The website says they do but it not true! Gets better a friend request from a LendingClub rep. Unprofessional?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On on all accounts I sent this the reporting companies my letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this companies completely ignored me and are still reporting the identified accounts with fraudulent charges on them. Please note that this letter is My final written proof of my intent to reach out to these companies before filing a lawsuit against them. Attached here are the documents I sent them in my earlier dispute with them for reference..

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 2019-03-26 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 am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On on all accounts I sent this the reporting companies my letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this companies completely ignored me and are still reporting the identified accounts with fraudulent charges on them. Please note that this letter is My final written proof of my intent to reach out to these companies before filing a lawsuit against them. Attached here are the documents I sent them in my earlier dispute with them for reference..

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 2019-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
ON XX/XX/2019 I APPLIED FOR XXXX XXXX APPLICATION NO.XXXX AND ORDER {$420.00}, ORDER NO.XXXX. THEY ATTEMPTED TO PULL XXXX   BUT AT THE TIME HAD A SECURITY ALLERT SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: SD

Complaint narrative:
I was working with American Financial Benefits Center, which ended up being a scam and has recently been shut down and is being sued by the United States Government. I joined in the XX/XX/XXXX-XX/XX/XXXX school year and lost thousands of dollars because of this scheme.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to All 3 credit bureaus and no one seem to resolve the issue with the inquired on my credit reports. I havent ran my credit and need these removed in order to purchase a home in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to All 3 credit bureaus and no one seem to resolve the issue with the inquired on my credit reports. I havent ran my credit and need these removed in order to purchase a home in the near 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 non-monetary relief
Consumer complaint received 2019-03-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was pulled over by the Sheriff 's Department and I was held in jail until XX/XX/XXXX. The gentleman I was arrested with got out of jail a few days after XX/XX/XXXX. He obtained my information, debit card, my phone, and all other personal effects of mine. After he received this information and items he then decided to use my bank card to shop at various retailers including debiting out cash. 
The following are transactions in which he used my debit card. 
XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX transfer/debit {$350.00} XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase. XXXX XX/XX/XXXX debit card recovery XXXX XX/XX/XXXX. Atm XXXX XX/XX/XXXX atm XXXX XX/XX/XXXX atm XXXX XX/XX/XXXX XXXX NSF fee item return. 

Over XXXX taken from me. 
Upon my release from jail on the evening of XX/XX/XXXX I immediately notified the bank, usaa, and informed them that these transactions were not authorized nor did I have knowledge of them. I explained that I had been incarcerated and that this man has my wallet, my personal information, as well as my cell phone and keys to my home. The bank refunded several of these transactions, only to debit them back out of my account a few days later. There is even one of the debit or transactions was a XXXX transfer from my account into this man 's account. This shows were he used my name, he signed my name. He took my identifying information that he had no right to do. They could not in any way shape or form explain their reasoning behind my account not being credited with all the transactions not authorized by me or done by me. I sent proof of all of my dates of incarceration and all other information they needed including my id. I spoke with them on a daily basis and was never able to resolve this with them. I called them at least twice a day for 3 weeks. I am XXXX and get a small social security check each month and what I was arrested for was unfounded and dropped not that has anything to do with my banking however what I went through in jail and then coming out to find that your only income was taken is beyond words.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: KS

Complaint narrative:
showing inaccurate information on credit 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 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice recovery has not sent any notification of debt, not a verification or validation letter. Instead, they are upset because I am using CFPB to contact them. I tried to handle this accordingly but whomever is replying to the complaints must be a complete XXXX. Instead I Submitted a request online to XXXX XXXX XXXX as they already have an open investigation into your TCPA violations and deceptive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
showing inaccurate information on credit 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 2019-03-26 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: OH

Complaint narrative:
I was researching promotional balance transfer credit cards. Citibank was one of the ones that seemed to have the best offer. After putting in all of my personal information I saw nothing at all about any fees - this is why I chose this bank. 

After running my credit, I get an approval and then it shows a balance transfer fee which seemed extremely high. I immediately called and spoke to a representative and she transferred me to another representative. I explained my frustration and how this was misleading and she told me that there was no balance transfer fee in the promotional period. I asked again to confirm and she said there was no fee. Potentially there may have been a language barrier but she clearly said no fee. 

I then get the card a few days later and transfer my balances. When I get my bill, I see that there are fees and that they were not credited. I called back into Citibank and talked to a representative and she says her manager will listen to the calls and call me back. I receive no call whatsoever. 

I call in again and speak to someone and they say the calls were searched but they didn't find any conversations about fees. The only calls I had were about fees!! I feel like I've been lied to once again. 

He offers to credit me back the fees if I transfer my balances to another card. That was insulting. Also it's simply setting me up for another XXXX. 

Citibank has given me the worst experience. Terrible customer service. Blatant XXXX and very sneaky and misleading advertising that discloses nothing about fees. They know that consumers don't want to continually get their credit pulled, so they don't disclose this information until after they've checked your credit. Then after that, they have representatives that can give you wrong information and as a consumer that does not have the easy ability to record their own calls, you are out of luck. 

Citibank has been sneaky and I truly can not trust them with my accounts. I regret getting myself into this situation.

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 2019-03-26 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: NJ

Complaint narrative:
Transunion is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.

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 2019-03-26 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: NJ

Complaint narrative:
XXXX is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Colony Brands, Inc.
State: NJ

Complaint narrative:
XXXX is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: National Financial LLC
State: PA

Complaint narrative:
I didn't receive anything from this company, they keep harassing me looking for someone at my number. I told them they had the wrong number and they still proceed to call and harass me. My next step will be police report and then court action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc
State: PA

Complaint narrative:
This is a duplicate Debt Collector XXXX XXXX referred, the first one XXXX XXXX deleted it from my Credit Report once I showed proof of payment through by bank. 


In XX/XX/XXXX I signed up with Telephone/Internet/TV with Service Provider Name : ( XXXX XXXX ) also made a Security Deposit of at least {$150.00} which was never returned, I also contacted XXXX by telephone to discontinue service end of XX/XX/XXXX, because I was moving and also paid by bill of XXXX, XXXX which I should have received an Refund!

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 2019-03-26 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: AR

Complaint narrative:
on XX/XX/219 got a letter from XXXX XXXX indicating they are unable to re-insert my 2 accounts XXXX back into a bureaus as required by law. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: AR

Complaint narrative:
on XX/XX/219 got a letter from XXXX XXXX indicating they are unable to re-insert my 2 accounts XXXX back into a bureaus as required by law. see 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 explanation
Consumer complaint received 2019-03-26 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: Credit Wise Recovery Solution LLC
State: NJ

Complaint narrative:
An account is being shown on my credit report as negative and delinquent, when it's been paid off for nearly 3 years. It was a XXXX XXXX card that was lost, and forgotten about. Eventually it went into collection unbeknownst to me. Once I was contacted by a collection agency, I paid it off immediately. The collections company is not listed on my report, so I have no way of contacting them. How long does my credit need to be punished for this? It's been long paid off. I have never missed another payment on any credit card or loan in a very long time. I'm climbing out of a credit mess, finally with good credit, yet this is still holding me back.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX put a collection that is not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation