vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MECHANICS BANK
State: MO

Complaint narrative:
I am a representative payee for my son. I was told in XX/XX/2021 that I can not have a debit card. I dont live anywhere close to this bank. We live in MO the bank is in CA. Since they took the card away, I now have no access to the account. I want to know why if social security administration authorizes me to take care of this account why does the bank get to make the decision as to how I pay his bills and manage his account. I have managed this account for 13 years and always had access to a debit card. I need access to his account via a debit card and the bank should not be able to tell us we cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a card with Citi and got a balance transfer with 0 % interest on some of my credit card debt, in an attempt to pay less interest on my overall debt. Since getting this balance transfer I have been charged interest on this card, despite paying for all of my purchases in full every time I made a purchase with this card and not adding to my balance transfer at all. I have contacted this company several times about the interest but they have refused to either explain it in detail or help me eliminate these mysterious charges. 

The first time I had a problem with interest being wrongfully charged to me was on my XX/XX/2021 statement, which was not the first month that I have had this card and used it for purchases. Every month that I have had this card and made a purchase with it, I have paid the purchase amounts in full, which I explained to them, and in response, they refunded me the interest ( on my second attempt, after being mocked by the first employee ). I thought this was just an error and I wouldn't need to deal with it again, but on my next statement for XX/XX/2021, I was charged interest again, for a higher amount than before. I attempted to contact this company three times about the charges, once via live chat and twice over the phone, and all 3 times I was disconnected prematurely, once I began to ask about the specifics of the interest and why it was being charged to me. 

My last payment that I made to this card was {$350.00}, an amount far above what I spent the previous month ; I made such a large payment on purpose because I didn't want to be charged any interest, yet they still added that to my statement. When I asked them what was wrong with making a large payment over the phone, the line " mysteriously '' went dead, as if they hung up on me to avoid answering the question about why I was being charged interest even though I was not supposed to be.

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 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have received a letter notice that I have opened a Macys American Express credit card but I never did. This is identity theft and Im worried about my credit score will drop it in this matter. Please help to fix

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 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received was served a summons XX/XX/XXXX from LVNV Funding. I do not owe LVNV Funding any money nor do I have a debt with this company. I have any outstanding debt with XXXX XXXX XXXX. I enrolled in a debt consolidation program XXXX, XXXX with XXXX and have made every payment timely. This XXXX XXXX XXXX debt is part of my debt consolidation. 

I received a letter from XXXX XXXX XXXX XXXX XXXX and XXXX dated XX/XX/XXXX. I contacted the office XX/XX/XXXX to explain I do not owe LVNV Funding and I am currently enrolled in a debt consolidation program ( I will complete the program in XXXX, XXXX XXXX. 

The Law Office of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX I spoke to XXXX and tried to explain I am in a debt consolidation program and the debt will be settled with the original creditor. XXXX became rude and hung up in my face. I then contacted XXXX and gave them the information. This is unacceptable and I would like this matter published and handled. The lawsuit is bogus I do not owe LVNV Funding any money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple disputes submitted pertaining to XXXX account and yet the account continues to report incorrectly. This account has already fallen off the other two credit bureau reports and should have already aged off of Experian as well but I do not feel they are looking in-depth into the account or contacting XXXX  about correct payment information or balances. This tradeline should no longer be reporting on my 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 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JNR Adjustment Company, Inc
State: FL

Complaint narrative:
Hello, a creditor reached out to me about a two months ago about a debt that is not mine. I told them by email that its not mine and I dont know where that is coming from. They keep on treating me and sending me letters of something I have no idea why theyre trying to charge me so much money for what I dont know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I disputed numerous duplicate charges on my account, they were supposed to investigate and instead they closed my account and sent me the following message. I need help getting the duplicate charges back from my checking account that they closed. 

Hello XXXX, Yes, I do apologize, it does appear that your account has been closed due to unusual activity and can not be reopened. We will attempt to return any funds that were deposited into your account to the originator. You will need to work with the originator to receive your funds. If the funds cant be returned they will be escheated to your state of residence upon reaching dormancy, which varies depending on the state and can take up to 3-5 years. 

For now, I will be closing your complaint. 

If you would like to reopen your complaint, you can do so simply by replying to this email with your complaint reference number and best contact information. Once I receive this from you, I will gladly reopen your complaint and reach out to you directly to discuss this further. 

Thank you for choosing MoneyLion! 


XXXX XXXX XXXX Customer Advocate | Escalations MoneyLion Customer Advocacy XXXX XXXX. XXXX XXXX, XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: COMMERCE BANK
State: IL

Complaint narrative:
I applied for a credit card through COMMERCE BANK on XX/XX/2021 and was approved for {$8000.00} credit limit and was told my card was coming in the mail. Then on XX/XX/2021 I receive a letter saying my account has been closed because inaccurate/fraudulent statements made during application. I applied for a credit card with COMMERCE BANK on XXXX and was approved for {$3000.00} credit limit and was told the same thing that my card was coming in the mail, i even verified my address with a utility bill. That application was flagged because I left out my apartment number ( but they asked for documentation for the address ) which was provide. I spoke to a XXXX XXXX which verified everything. I got another letter in the mail saying my account has been closed because of inaccuracies. I believe this id discrimanation against me being an XXXX AMERICAN. I HAVE BUILT GOOD CREDIT AND HAVE SEVERAL CREDIT CARDS WITH BIG COMPANIES ( thats why im being approved ). Someone sitting in a office judging people and once applications are approved they are denying them. They do not ask for nothing to resolve any problems but just stripping you of working to build your credit up. This is discrimination. Whenever an individual sitting in a office judging people off paper is discrimination. This has happened twice to me with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Debt of less than {$800.00} from Capital One was from XXXX or earlier and should have been written off AND removed from my credit reporf ; however, debt collector not only is attempt to collect, they bypassed the statute of limitations and have re-entered the same debt a second time on my credit report, but with a new date of XX/XX/XXXX. Today is XX/XX/XXXX and I have received 6 pages of collection documentation. Statute of limitations in Arkansas is 5 years ... so this is now past the statute for the second ( illegal ) posting to my credit report ... right?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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:
There are 11 accounts on my credit report that do not belong to me I have tried taking this up with the bureaus as well as the funrishers and nothing is being done I need help to remove these from my credit report since they do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX CO Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I'm filing a complaint against this debt collector for willfully violating my consumer. Pursuant 1692 ( c ) C I have not validated this debt and I refuse this debt. A debt collector does not have the right to tell a consumer they owe a debt. This debt collector has violated 15 usc 1692g they have not provided me the consumer the 5 things that constitute a validate debt. No statement/agreement constitute a validation of debt, that's an allegation. I deny all allegations. Pursuant 15 usc 1681 my consumer report is NOT suppose to include 1. Credit transactions arising from my credit card. 2. Any factual information. 3. Any credit transaction between me the consumer and them the person. Pursuant 15 usc1681n each violation has a {$1000.00} fine. I'm demanding this account be removed from all my bureaus reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
On XXXX XXXX a statement of an alleged debt in the amount of {$130.00} was mailed out to me. Allied business services is in violation of 15 usc 1692b ( 2 ).

I've sent out an Affidavit of Truth, Invoice, Debt Validation Letter, Cease and Desist, and Exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The next accounts are not supposed to be in my report. 
You can see the accounts below : Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft TARGET/TD Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was at Khols store last Thursday XX/XX/2021, I was doing shopping & when I finished & went to the cashier ..The lady asked me to get a credit card for more discount I assured with her that this credit card is gon na be with a soft inquiry not a hard one. 
The lady confirmed that its gon na be a soft inquiry 3 times Unfortunately I found out that this store made a hard inquiry & the lady made fun of me & she kid me I contacted Khols & all what they said they apologised & said they have nothing to do.., In addition I contacted XXXX as a bureau, they asked me to call Khols again I did & received the same apology as before .. 

So please Im in a tight situation as Khols reduced my credit score down & this inquiry is gon na be on my credit report for 2 more years.., Please I want to remove this hard inquiry which I was deceived by. Even if you are gon na close this Khols card completely I don t want it. 

I have the receipt from the store with the date & the time. 
They can also check the cameras at the store to see my discussion with the lady at the cashier when she confirmed that its gon na be a soft inquiry My name is XXXX XXXX My phone is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: FL

Complaint narrative:
My XX/XX/2018 credit report is showing 30 day delinquent on my credit bureau report for XXXX XXXX mortgage but this information is inaccurate. I disputed the reporting with Transunion in addition to XXXX XXXX  I provided a copy of my 2018 bank statement to both XXXX XXXX and Transunion. I received a document from Transunion stating that their investigation results were " not specific '' and left the 30 day notice on my report even after providing them with the XX/XX/2018 statement which shows my account was paid via XXXX XXXX XXXX bill pay on XX/XX/2018. This payment was made prior to the end of the month which should not have a 30 day late notice. XXXX XXXX sent an email stating that because my XX/XX/2018 payment was late, the report for XX/XX/2018 is correct. However, my XX/XX/2018 bank statement reflects a payment made to XXXX XXXX  through XXXX XXXX XXXX bill pay on XX/XX/2018. My payments were not late as both Transunion and XXXX XXXX claim. My bank statements reflect a transaction number for both payments in which XXXX can verify based on that number. I request assistance with this issue please. I am cleaning up my credit report and would like payments reflected accurately. The second page of the attachment name, XXXX XXXX  dispute letter is my XX/XX/2018 bank statement from 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 2021-06-02 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: Mitsubishi Motors North America, Inc.
State: TX

Complaint narrative:
Multiple disputes submitted pertaining to MMCA account and yet the account continues to report incorrectly. This account has already fallen off the other two credit bureau reports and should have already aged off of XXXX  as well but I do not feel they are looking in-depth into the account or contacting MMCA about correct payment information or balances. This tradeline should no longer be reporting on my report.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/2020 I received a refund on my CITI Bank account from XXXX for XXXX, XXXX, XXXX, for 4 roundtrip tickets to XXXX for myself and my husband ( because of COVID-19 flights got cancelled ). On XX/XX/202 CITI Bank withdrew an amount of {$1000.00} from my account. I have called CITI Bank many times and spoke to different supervisors who promised to credit the amount of {$1000.00} to my account and as of yet CITI Bank have not credited the amount to my account. I am asking for the return of {$1000.00} from CITI Bank. I also spoke to XXXX finance department and they informed me that XXXX did not withdraw the amount from the CITI account as they said they had given me the refund and there is no reason to take the funds back. The last I spoke to CITI they advised me that the amount of XXXX was refunded to my account but an amount of XXXX was withdrawn which CITI bank has failed to honor.

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I'm filing a complaint against this debt collector for willfully violating my consumer. Pursuant 1692 ( c ) C I have not validated this debt and I refuse this debt. A debt collector does not have the right to tell a consumer they owe a debt. This debt collector has violated 15 usc 1692g they have not provided me the consumer the 5 things that constitute a validate debt. No statement/agreement constitute a validation of debt, that's an allegation. I deny all allegations. Pursuant 15 usc 1681 my consumer report is NOT suppose to include 1. Credit transactions arising from my credit card. 2. Any factual information. 3. Any credit transaction between me the consumer and them the person. Pursuant 15 usc1681n each violation has a {$1000.00} fine. I'm demanding this account be removed from all my bureaus reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: UT

Complaint narrative:
I received an email XX/XX/XXXX from Discover offering {$45.00} back when I activated a new membership using my Discover Card before XX/XX/XXXX. XXXX. 

I activated the membership on XXXX XXXX, XXXX in store using my Discover Card as directed in the email cited above. I told the XXXX XXXX associate I was using my card for the promotion and they said that should be everything I need to do. 

On XXXX XXXX, XXXX, I reached out to Discover to inquire about when I could expect reimbursement ( as it didnt show up on the statement Posted the prior week ). I told them the steps I took and was told that nothing else was required and I should receive the credit within 3 billing cycles. 

Today, XX/XX/XXXX, I reached out to Discover to ask about the credit and why I hadnt received it. I was told that I am not eligible for reimbursement for some unknown reason that XXXX XXXX and Discover Card can not communicate openly about and that I need to go to XXXX XXXX and find out why I am ineligible for Discover Cards promised reimbursement. 

They said they do not manually apply reimbursements and that if it didnt happen automatically, something was wrong and I would not receive it. 

They promised to share my feedback with the higher ups, but refused to do anything to fix the problem.

Company response to consumer: Closed with monetary relief