vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 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: FL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. 
I dispute the XXXX Account # XXXX, Opened XX/XX/XXXX because that item was opened by someone who stole my identity and it is inaccurate. As required by section 611 of the Fair Credit Reporting Act, a copy of which is enclosed, I am requesting that item be removed immediately to correct the information. 
I previously disputed this item with all three major credit bureaus and that account was DELETED from my XXXX  credit report in XX/XX/XXXX ( enclosed ). XXXX  advised me that they informed Equifax of that fraudulent account, however the XXXX/XXXX Account # XXXX still shows on my Equifax file. 
Finally, I resorted to file a complaint with the Consumer Federal Credit Bureau because I believe that both the retail store bank and the credit reporting agency have violated my consumer credit reporting rights. 
Please investigate and correct the disputed item as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a payment with Total Visa for {$290.00}. I checked my account on the XXXX and the funds were there. I then went out to eat a few days later and my charge was declined. I was so embarrassed. Luckily, I had other funds on me. I called and was told that my payment was placed on hold. I was upset because this is the third time, I had a hold on my account. I do not understand, because my payments have never been late, returned, missed, and I always pay in full. 

This is also a bad situation because I had used all the money in my bank account to make a payment. So I had no additional money at all. I had no way to put gas in my car, feed my kids, or use at all. I ended up borrowing money from family members. 

I spoke to two supervisors ( XXXX and XXXX ) and a manager XXXX who was no help at all. They said there was no way to help, call my bank, or expedite. I sent a screen shot of the posted charge as requested and they still declined to remove it. 

I am very disappointed in the way I was treated by this company and that they would leave a good customer with no money or any way to feed their family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I applied for a loan modification in XX/XX/XXXX which was denied and I kept trying for the loan modification until XX/XX/XXXX they made an offer but the offer consisted of the same terms that was already in place. I did not accept so consequently, the XXXX XXXX XXXX did not offer again for 6 years whereby they were not accepting any payments. 

However, in the interim I voluntarily released the property to the Bank and the Bank has sold the property ; but they are holding me hostage whereas I am not able to purchase any property for another three years. I assigned the property to the Bank in XX/XX/XXXX-XX/XX/XXXX. If the Bank has sold the property to another buyer I should not still have the negatives still on my credit report. It is unfair.

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 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Not allowing an external app to access my account with my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: Mid-America Accounts Control Bureau, Inc.
State: MO

Complaint narrative:
Collection agency tried to collect dept, I informed them in writing that I dont own the dept and have no knowledge of it. Instead of providing proof of debt, collection agency placed a negative report in to the XXXX. When I called XXXX  to dispute it, exactly the same item was placed second time, which XXXX informed me that collection agency did it. Collection agency failed to inform me about its intentions to place negative record in my report which is agains low.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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 a total of 8 paid/closed loans with XXXX. I also have a consolidated loan with XXXX ( used to consolidate the 8 loans ) 4 subsidized and 4 unsubsidized. My open loans are not the issue. The problem I am having is correcting my paid loans. Each one of the 8 loans are reported twice on my credit reports. Instead of having 8 paid XXXX  loans listed on my report I have 8 paid loans and 8 loans ( all XXXX  ) with the identical stats as the other 8 loans but these loans are listed as " unknown '' for the status. The other difference between the two lists of loans is the payment history. The " unknown loans have late payments reported up until XXXX and then the history stops. The paid loans picks up with a payment history reporting in XXXX until the XXXX when it was closed. There is a comment saying that the loan was transferred to another office but the only loan servicer is XXXX. Because these loans are listed multiple times on my Experian credit report it says that I have 20 accounts with negative indicators. Also, XXXX has not been able to provide me verification of the late payments they have listed on my report under the " unknown '' accts. I have requested verification and validation of all of this information multiple times from XXXX and Experian and no one has been able to provide me answers. I am attaching the my loan history for the ALL the loans that I have with XXXX. It clearly shows the correct number of loans unlike what is reported on my credit report. The attach documents also shows the transaction history of ALL my loans and it omits payment information before XXXX. There is no late payment information from the time the loans were opened until XXXX yet there are reports of late payments on my credit report before the payments listed in my account history.

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 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXX of this year 2018, XXXX XXXX, on XXXX XXXX XXXX said that Citi Bank credit card had been charging the consumers too much interest for the last 2 years and that the customer were going to get a refund check in XXXX of 2018. I called my Citi bank credit card on XX/XX/XXXX and spoke to a XXXX XXXX and she told me that she didn't know when and if I was going to get a refund. I know that XXXX XXXX would not make this claim on XXXX XXXX XXXX if this wasn't true. I want my refund. Thank you.

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 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: GA

Complaint narrative:
Zion 's Bank, based in Utah, is engaging in outright unfair banking practices by habitually and deliberately re-ordering transactions and posting deposits irregularly so that the customer incurs their outrageous overdraft fees. 

I have made multiple attempts to resolve this with the bank to no avail. They simply lie shamelessly. 

This year alone I must have incurred over {$1000.00} in these fees, some of which the Bank reimbursed, but most of which they haven't. Plus, they will not stop this practice turning every banking transaction into a guessing game which is devoted to figuring out how to steal more money from me and people like me.

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 2018-07-12 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: GA

Complaint narrative:
i have been a victim of fraud and id theft, XXXX, transunion, XXXX all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.

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 2018-07-12 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: GA

Complaint narrative:
i have been a victim of fraud and id theft, equifax, XXXX, XXXX  all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank/Citicards. 

Fraudulent charge to my card on XX/XX/2018 for single transaction of {$24000.00} in another state. No fraud notices or warning from Citibank. 

I discovered and reported the fraud to Citibank on XX/XX/2018. Citibank reported the fraudulent charge to the credit bureau 's, which  made my credit-to-debt ratio appear to be 31 %, which lowered my credit score 112 to 123 points depending on the credit agency, which had undermined my ability to get competitive rates for home loans. I have since cured the credit error with the credit bureau 's ( at least XXXX and XXXX  ). 

Citibank fraud investigation contacted me and confirmed the fraudulent charge would be removed from my account. Citibank also issued me a notice acknowledging they asked the credit agencies to delete the account from my report due to the fraud. 

The Citibank account is set to auto-pay the full balance from my personal checking account on its dues date. Citibank never reversed the fraudulent charge as promised, and the full {$24000.00} was debited from bank account on XX/XX/2018. 

I spoke with Citibank customer service that same day on XX/XX/2018. I spoke with XXXX and her supervisor XXXX. It took 54 minutes, but XXXX finally said she processed the refund, that she would do everything in her power to get it credited back to my account that same day, but it may take 3 to 5 days, and that she would follow-up with me that afternoon to confirm the status of the refund. I was never contacted by anyone from Citibank and none of the {$24000.00} has been returned to me. 

I called Citibank customer service again on XX/XX/2018 and spoke with XXXX. XXXX informed me that the refund had been rejected, and that she had to re-initiate the refund ( which she would not have done except for me contacting Citibank again ). Even then, she said that they would not refund the full amount due to a few hundred dollars in additional charges since then, the balance for which was not due and payable yet. I requested the full {$24000.00} be refunded to me, but she said she was not authorized to do so and would process the lesser amount ( approximately {$24000.00} ). She also stated that it had to be approved by management and would take 3 to 5 days. I asked to speak with management to get it approved today and she refused to transfer me.

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 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I applied for a XXXXXXXX XXXX XXXXXXXX MasterCard credit card on XX/XX/2018. Card is issued by XXXX XXXX. I was promised a {$45.00} sign up bonus which I never received. Contacted Bank numerous times including XX/XX/2018. They said they will NOT give me the bonus. I believe this is fradulent behavior.

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 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I noticed that my credit report was ran 3 times by Chase bank 3 months in a row. 
I did not apply for a line of credit for any of the 3 credit inquiries. The three dates include ( XX/XX/17, XX/XX/17, XX/XX/17 ) I called on Monday XX/XX/XXXX where the representative for Chase said there was nothing they could do and I should contact the Credit bureau since they werent approved for the line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Collection company placed debt on credit report on XX/XX/18 that was not verified to be my debt. Notification of debt was never received. I do not owe this debt. 
SECURITY CREDIT SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX is the company for {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: KY

Complaint narrative:
Student Account balance and High APR on student loans and student accounts. I would like to enforce my civil rights act as a student and military dependent. I would like to enroll in limited to zero credit and information sharing as well. Thank you. 



XXXX Bless, XXXX XXXX XXXX XX/XX/XXXX Student Accounts in XXXX XXXX University, XXXX XXXX and XXXX XXXX, and XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: KY

Complaint narrative:
I have identity theft and fraud on my account. I have reported a claim before and now I will again due to someone else using my information, ssn, and other data in my credtials. The identity theft report number is XXXX. There are 7 disputes in the report. I am not sure how many more are in my other credit bureau reports. My social security number is XXXX and date of birth XX/XX/XXXX. Thank you for looking further into this. 


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 non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/2018, Equifax somehow STILL has these INVALID addresses on my credit report, if you view my XXXX report, you will see that they DELETED all the addresses, but, somehow, EQUIFAX seems to STILL have them on my report, I have tried 5 times before making this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I received a letter from this company to learn I had multiple account for XXXX XXXX hospital in their office. Being this was the first time I had heard about these I called right away to ask to make payment. Initially the first rep used scare tactics to obtain my employment information. I refused and provided him with my personally identifiable information and refused to answer the unnecessary employment question. The rep then became very abrasive and combative when he gave me an amount different than the bill amount ( {$430.00} on the bills and he told me {$860.00} ) so I asked to speak with someone else. At this point I was placed on hold for several minutes at which point the rep ( XXXX ) came back to the line and it appeared he had no one else on the phone with him nor did he say anyone else was on the line. He told me if he transferred me I would have to go through this again, is that what I want!?. Taking this as a threat I once again asked for a supervisor to which point another rep named XXXX XXXX abruptly and without warning chimes in on the call and started to hammer me again for the verification information. XXXX was gone and I was now being asked again about my employment. At this point when I declined I was confronted with why I was refusing the information. When I responded asking why it was required XXXX proceeded to tell me it was federal law that I verify my employment when asked. Given I knew this was a lie and yet another scare tactic I asked to speak with XXXX XXXX or XXXX XXXX. XXXX then responded to that request with, why is it because shes your Aunt? Offended and further threatened by me a his XXXX seeming knowledge of my aunts name and employment I hung up the call in a fear for being threatened by this XXXX. He told me if I hung up Id never be allowed to call there again and they would refuse my payment but I hung up any way. I want this investigated and XXXX to be reprimanded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have a credit card with XXXX XXXX and have asked them not to get calling my place of employment when I didn't give them the phone number. They called my employer today XX/XX/2018 twice and then employer asked them to stop calling also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Fraudulent merchant ( XXXX ) on Paypal. This merchant never provides service and asks for payments beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates
State: NC

Complaint narrative:
On XX/XX/2018 AT XXXX for the second time I tried to speak and explain that i did not receive services as agreed but I still wanted to fix the problem if I get proper credit for the money I paid for undelivered services for the 6 months while I was overseas.First they put me on hold and then put a collection agent on the phone so he could insult me by yelling and attempting to intimidate me.He screamed at me and called me a liar saying I upgraded my property with their equipment to get a discount on insurance and that I committed fraud demanding money. He threatened me and said would put a lien on my home and whatever it takes to get me because I am a liar. he also threatened me with a poor credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On tuesday XX/XX/XXXX my landlord XXXX XXXX apartments had two washers and two dryers from XXXX XXXX XXXXXXXX XXXX XXXX , XXXX, PA XXXX XXXX, installed in building number XXXX XXXX XXXX XXXX  PA. They put up a sign that said we had to use a credit or debit card and our banks would hold {$7.00} for XXXX hours than return the {$7.00} and charge the regular fee of {$1.00} per wash and per dry. I used the washer and dryer on Wednesday in which {$21.00} was taken from my bank account. I called my bank ( citizen bank ) and spoke to a customer service man named XXXX He said my money would be refunded on Thursday and I would be charged {$1.00} from each three {$7.00} that was taken from my bank account. XXXX XXXX I went ahead to wash my sick mother ; s clothes today thursday XX/XX/XXXX and was charged {$28.00} leaving a grand total of {$49.00}. I called the XXXX vendor and emailed them and they said it was the bank 's fault and XXXX the manager from Citizens bank said it was the vendor fault. I also called and emailed my landlord to no avail. I want my money back and be charged only the {$1.00} for each of the wash and dried clothes I was told I would be charged. Citizen Bank does not want to take responsibility for this. I need help. Thank you

Company response to consumer: Closed with explanation