vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NE

Complaint narrative:
I opened the XXXX Prepaid debit card because they sent me an email that if I open the card and loaded {$300.00} on it, they will give {$40.00} extra. I did load the money. They blocked my card and said I need to send Bank statement as address proof and government id i.e. my Drivers license. I did send all the information and they activated my card. I loaded the money and started using the card. As soon as I tried to get cash back from the card at XXXX, they blocked my card.I contacted them and let them know unless they let me access my money, I will report them. The next day they unblocked my card and allowed me to generate a pin so I could use my card to get cash back, as well as purchase goods and services.Today out of the blue, they blocked access to my card online. When I tried to use the card in a store, it was declined. I called customer service. They said you need to fax in identifying documents. I have about {$50.00} on the card and I was supposed to receive the {$40.00} bonus they have promoted around now. I asked her why they blocked access to my account online, she did not answer. I asked her will I need to send this document every month. She hung up on me. 
They have no email, only means of communication is fax.They pretty much make it so that no one can reach them.They are trying to steal my {$50.00} as well as not honor the promo they promised. 
Request you to please help. I have written proof of the promo as well as proof I sent the documents last month and receipts to prove I was successfully using the card last XXXX weeks. I have no access to my account. Not only can I not use my money right now, I am also not able to log in to my account anymore. The last time when they blocked my account ( 2 times ), I was able to access the account.This time, out of the blue, they locked me out of my account without providing any notice or any reason over mail or email or phone. 
Please help. They are clearly in the business of stealing money. 

Their agents hang up on you if you ask " why can't I use my card? ". This can not be legal. This has happened the third time.I do not know what additional document they want me to send them. They are going to withhold my money and deduct account fees each month and exhaust my money. This is their plan and never pay me the extra {$40.00}. This can not be legal.I can provide every identity document, I have provided what they asked for and everything was working fine. They blocked it today on the 20 because they figured I could take all the money and close the account. Today is the day they were supposed to credit my {$40.00} bonus ( I have proof they offered such a promo ) and also today is they deduct the account fees.Please please please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Southwest Credit Systems is falsely reporting a collection on my credit report. They have refused to provide proof of a legibly contract with my signature and correct identification. This is a direct violation of my FCRA and FDCPA laws. They are not authorized or bonded to practice collection practices in the state of Illinois. They are illegally trying to collect a debt that does not belong to me.

I never asked for a printout copy of a bill. I never asked for billing statements. They are unable to provide an original contract with my direct signature agreeing to finance terms Direct with Southwest Credit Systems L.P. only!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I purchased from XXXX XXXX credit card and purchase was shipped to the an address I have not been in for over 10 years I attempted to reach out and work with every one XXXX called to say XXXX policy was they offer gift cards instead of refunds we are going into end of XXXX I have no gift card and the only resolution I wanted was a refund back to my credit card and late fees refunded. 

I know all other credit cards refund in this instance this is unethical business practices when the consumer doesnt want a gift card but forces it on them I want full refund nothing else will do I have taken that extra step to talk to people and work with people on this matter I want what is rightfully mine to have

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: CA

Complaint narrative:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: CA

Complaint narrative:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX   Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}

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 2018-12-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: AZ

Complaint narrative:
Funds were first delayed and then not transferred to the company on a purchase of a foreclosed home that I had agreed to buy and was in the process of buying. At the banks discretion, the home was then instead suddenly sold for a substantially lower amount through the use of a 21st Mortgage broker from the local XXXX, AZ area.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX  Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX  Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}

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 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank blocked my account and closed my account without consulting me on XX/XX/18. Moreover, they hold my money and dont let me access to my own money. I called and went to the branch on XX/XX/18, still no help at all. They said I have to wait 30-60 days to receive a check from them for my remaining balance in my checking account. This is ridiculous. All my money is in that account, how should I live for 30-60 days without money at all!

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 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am beyond exhausted with all my efforts to resolve this matter with ability recovery for a # of months Ive been back and forth trying to find a solution to have this account remove off my consumer report. I have no response back from any of my corresponders within all departments. Ive been advised by my attorney to file a suit and sue for for damages that Im entitled to under the FCRA. I prefer to work directly with this company in resolving this issue that will result in removal of this account off my consumer report. I have no choice but to sue should I find no response once more after this complaint, this is my final attempt. I will therefore move forward with my supporting document. Ability recovery has this account # on this report that I have absolutely no knowledge of. This has been a complete devastation to my entire family and myself due to fact this has held up an entire mortgage process having us nearly homeless. Please assist me in the aggressive removing of this 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 2018-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
Power Finance of XXXX  Texas loan for the amount of {$720.00} on XX/XX/2018 and since then as of today XX/XX/2018 I have paid over {$1400.00}. This is a never ending payment that I can Not afford nor do I understand the fees. I have sent an email requesting they delete my account information. And informed Power Financial they are no longer authorize to debt funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
the following transunion should be removed ... ... XXXX XXXX-XXXX..XXXX  XXXX  XXXX ... XXXX XXXX-XXXX ... XXXX-XXXX ... XXXX  XXXX-XXXX  ... XXXX  XXXXXXXX ... XXXX-XXXX ... .XXXX-XXXX  ... XXXX-XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am beyond exhausted with all my efforts to resolve this matter with ability recovery services for a # of months Ive been back and forth trying to find a solution to have this account remove off my consumer report. I have no response back from any of my corresponders within all departments. Ive been advised by my attorney to file a suit and sue for for damages that Im entitled to under the FCRA. I prefer to work directly with this company in resolving this issue that will result in removal of this account off my consumer report. I have no choice but to sue should I find no response once more after this complaint, this is my final attempt. I will therefore move forward with my supporting document. Ability recovery services has this account # on this report that I have absolutely no knowledge of. This has been a complete devastation to my entire family and myself due to fact this has held up an entire mortgage process having us nearly homeless. Please assist me in the aggressive removing of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or around XX/XX/XXXX I submitted a Citi Price Rewind request for a XXXX XXXX console that I purchased on XX/XX/XXXX for XXXX plus tax. The advertised price I found was on XXXX for XXXX plus tax. The lower price included the date, website screen shot, item description, and sales price -- all of the information listed as required by the Citi Price Rewind Terms and Conditions. The response I got back was that my request was denied because they could not find a lower price -- despite the clear evidence that I submitted to them.

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 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GM Financial has repeatedly reported incorrect information from account to my credit report for OVER A YEAR!!!! This is absolutely UNEXCEPTIONABLE!! All this time I have been working HARD to position myself to become a home owner and could not understand what was holding me back!!! It was GM Financial!!! I had to dispute the account balance that they report due to it being INVALID!! GM Financial reported that I owed over {$5000.00} when I only owe {$2000.00}!! They updated their error. As they should have!! Then ... GM FINANCIAL updates their system XX/XX/XXXX and caused my online payments to be late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX!!! If I was late why are they just reporting this!??? They just reported those XX/XX/XXXX!!! If I was late why wait so long??! Because they are wrong and I was never late!!! I found out about those late payments from my lender who informed me just yesterday that my score went down because GM FINANCIAL reported 3 late payments in the past 2 weeks. I called and they said it was my fault!!!! Now tonight I get a credit alert saying my equifax has went up 44 points!!! How did that happen!?? Because the detail shows that GM FINANCIAL HAS INCORRECTLY REPORTED that I HAVE LATE PAYMENTS THAT THEY UNCOVERED WAS INCORRECT!! XX/XX/XXXX-30 days late, XX/XX/XXXX-30 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days, XX/XX/XXXX-60 days late and XX/XX/XXXX-90 days late!!!!! They just changed it!!! This is an outrage and I demand that this be addressed RIGHT AWAY!!! This has hindered me severely from becoming a homeowner. On top of that I had to get an online alert and I was never even notified!!! I have missed multiple opportunities to become a homeowner due to their delinquency! This has caused a major setback along with XXXX   XXXX and XXXX!!! If this is not taken care of I will seek further assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had recently discovered my information was used to open a CapitalOne CreditCard account, which i never opened or gave anyone permission to open. I contacted CapitalOne and they removed the account from my credit files, but i believe that the account is still in bad standing with CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: NY

Complaint narrative:
I ran my credit and notice things I had no knowledge of. I never use my personal credit for anything. I called each company numerous times which they stated it will not be reported and its still being reported. Its been over five months. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 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: CA

Complaint narrative:
The following account was fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the item be blocked to correct my credit report XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Note : This is my 4th Complaint with the CFPB about the same issue with Experian and I have Disputed this Negative XXXX XXXX account # XXXX Eight times. In my last dispute with the CFPB XX/XX/18 Experian emitted they Did Not do a proper investigation on the item I disputed. Experian have use they XXXX XXXX which is unacceptable according to the FCRA. I Am Demanding a Copy of the Original Signed Contract and a Proper and Internal Investigation get done. If Experian would have did a Proper Investigation this would Not be on my Credit Report. I Have submitted a complaint with the attorney general also! Please remove this Negative account thanks

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