vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
This Company Sunrise Credit Services Inc, put that I owe {$170.00} on my credit-these are the dates this Company put this on my credit. XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX how many times are this going to put this information on my credit which is in-correct- I called them and told them this bill of {$170.00} was paid about 5 months ago it's XXXX   wireless bill I have good credit with them, I'm also going to report them as well to the XXXX for putting in correct information on my credit. I expect them to take this off my credit or I will get a lawyer to handle this.

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 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
They put in the collection a amount that was solved in the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened my savings account on XX/XX/2019 in branch in XXXX. The new account bonus for the savings account was for {$200.00} if you deposit $ XXXX  in new money into the account and keep the money for 90 days. At the time of opening, the agent said I can deposit {$100.00} as the minimum opening account balance and then move in $ XXXX. I have met all the terms, and now its been 5 months and I still have not gotten the {$200.00} bonus.

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 2019-10-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I noted my credit score took a steep drop. 
According to FICO service there is a issue with Sears. 

My account was opened in XX/XX/XXXX. 
According to Sears my last payment was made on XX/XX/XXXX in the amount of {$630.00}. My Account then had a zero balance. On XX/XX/XXXX the acct was closed per Sears rep because of inactivity. Well the Sears store near me in XXXX XXXX closed. 

Upon contacting Sears via telephone at XXXX, confirmed with Sears that my account was closed in good standing and have XXXX account balance. I opened my Sears account in the year XXXX, a and was in good standing and used the card for everything in my house and paid it off. 

IT IS NOW REPORTED ON MY CREDIT REPORT THAT SEARS account showing that I was delinquent. states that it shows a zero balance, YET it always shows a delinquent account of XXXX The representative from XXXX told me that others have been having issues with Sears.

Sears is going to send me a letter stating that my account was in good standing and was closed due to inactivity. 

PLEASE CORRECT THIS.

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 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase sent me letter after 5 years of dealings that my account will be closed I feel I'm being racially profile by Chase card service due too my name color and ethnicity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I deposited two checks in my account both for the same amount of {$2300.00} but two different days. One on XX/XX/2019 and another on XX/XX/2019. I received these checks selling college textbooks to an online site that buys them called XXXX. When i deposited the first check it was XX/XX/2019 and it was put on hold for a while and was released to me today XX/XX/2019 but when i went into the branch i spoke with a lady named XXXX i think at the branch in XXXX XXXX in XXXX XXXX. She helped me and was very rude and prejudice. I guess she believes it was XXXX because i have two checks from the same company for the same amount so when i went in to withdraw she contacted the fraud department and put another hold on the funds that were already made available for me earlier today XX/XX/2019. I dont understand why she would do that is there anything you can do to help me? Ive been waiting weeks now for these funds to be available to me and now shes put another hold on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: GA

Complaint narrative:
I have Attached some documents and a letter. showing that global client services took my money and saying that they used it for some other reason im not aware of, that I did Not authorize. They where supposed to pay off my debt and they didnt pay any of my debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION
State: TX

Complaint narrative:
BBT frequently blocks access to my account and prevents me from taking money from my account under the pretense of security. Each time they put a block they asked that I step inside a branch with 2 forms of ID and then have to go through the excruciating process of sitting down with a banker and then call the fraud dept which has a 30-45 min hold. I had already stepped in the branch 2 weeks ago and now they are asking that I do that again - because I had submitted a bill pay. It is shameful that they hold customer funds this way under a security pretense.

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 2019-10-09 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax ( or XXXX ) sent a letter saying that I requested not to receive pre-approval offers. I did no such thing. If it was this bureau. I request that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: HI

Complaint narrative:
As of a Tuesday XX/XX/2019 ( today ) I continue to see at least one XX/XX/XXXX inquire by XXXX this has been going on for a month I have attached screen shots of the XX/XX/XXXX " hard inquiry '' that they ran that most also not be categorized properly. Equifax has told me to tell XXXX that when they run an INQUIREon EQUIFAX!!!! they need to include a " reason code '' ( plus to comply with FCRA they would need this information also ) they have for a month now been doing supposed soft inquires to comply with a federal judges ruling but the have not INCLUDED A REASON CODE therefore according to Equifax they default to hard inquiry even if it was not. Equifax is just as bad here how they allow an inquire without a reason code, how they supposedly " swear '' under federal law they envisage this then don't do anything, How they tell me I have to call their furnisher and train them how to do an inquire I didn't authorize. All the while while XXXX are throwing a fit like little junior high kids hanging up making threats not replying to even emails. Remove all the not authorized inquires immediately as XXXX you are in violation of federal law! See screen shots for details ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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:
Hello I'm reaching back out to you guys because there are still items on my credit that is not mine and on top of that its two more items since then that is not mine. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Can someone please help me with getting this off my credit.

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 2019-10-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I went to XXXX XXXX and have a personal and federal loans for stuff i never completed because they wanted me to take out more loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: CA

Complaint narrative:
209percent interest on a {$2600.00} dollar loan. Now owe XXXX dollars because I don't have payoff amount. Falsely led small print writing I signed for but did not see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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:
Hello I'm reaching back out to you guys because there are still items on my credit that is not mine and on top of that its two more items since then that is not mine. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Can someone please help me with getting this off my credit.

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 2019-10-09 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:
Hello I'm reaching back out to you guys because there are still items on my credit that is not mine and on top of that its two more items since then that is not mine. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Can someone please help me with getting this off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION
State: VA

Complaint narrative:
I try to call Sallie Mae to resolve my son 's past due student loan and the representative that took the call was threatening, rude and disrespectful. I asked to worked out a smaller payment and she treated me like I was the lowest scum of the earth and yelled at me. I really do not want to speak with any of them anymore because of the way I was treated. Sallie Mae contacted relatives in a different state and secretaries in my office to obtain my personal information. They left voicemails, spoke with our secretaries, and faxed my employer. They call continuously and don't have any respect of boundaries. This is harassment and it needs to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I recently signed up for the Best Buy Credit card, which is a revolving credit card handled by Citigroup, or a part of Citigroup. The terms included 18 months at 0 % interest for my purchase. On around XX/XX/2019, I set up an ACH ( electronic payment ) on Citi 's website to pay the bill and scheduled the payment to occur on the due date ( XX/XX/2019 - in this case ). The payment was {$110.00}, which was above the minimum amount of {$47.00}. As mentioned, the payment was set up to be paid on the credit card 's due date using Citi 's own website. However, on XX/XX/2019, I was charged a late fee of {$28.00}. Again, this should not have occured because the ACH payment was set up to occur on XX/XX/2019. On XX/XX/2019, I called Citi 's service department and they stated I did not schedule the payment to be paid on the due date but would credit my account the {$28.00}. In addition, they stated that I should allow 2 business days for the credit to occur. As of XXXX CST on XX/XX/2019 ( 3 business days later ), I have not received the {$28.00} credit. I believe that this may be an intentional practice by the Citi retail services group ( i.e. payments scheduled by consumers on time, or the due date, yet the company charges late fees ) and wanted to bring it to your attention.

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 2019-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital one is fraudulently reporting my account 30 days late in XXXX of 2019. I made the payment through the online system and alerted the customer service representative about the issue with the online banking with my bank and capital one. Every month there was a problem making payments until I switched to a debit card. I contacted customer service reps and managers without assistance. My bank has made several accommodations for capital one. I will be suing capital one of my credit report is fixed and the balance waived. This company never does right by customers and always tries to purposely hurt the consumers credit. I made my payment on time there was issues with there online system and there ach clearing house with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Purchased XXXX XXXX on XX/XX/2019 at dealership, financed through Capitol One. First payment on car was attempted, Capitol One does not allow a payment to be posted anytime prior to actual due date. Called Capitol One on XX/XX/2019 to inquiry why I could not make a payment when I receive statement that payment was due. Was told they have a Pay Ahead Policy, which means I can never make a payment before my due date. This is not noted on my contract. I asked them how I could make payments for a few months to always be ahead on payments and was told the same thing, that I am not allowed to make any payments, even 1 minute prior to the due date due to their " no Pay Ahead Policy ''. I have never had a car loan or any other loan that I was not allowed to make an early payment. I have always paid my bills ahead of time to pay them off early. They did state that I may pay the principal at anytime I like but as far as my payment, it is not allowed to be made prior to the due date or in advance due to their Pay Ahead Policy they have. This appears to me a way of collecting additional interest for no reason except to benefit the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PORTFOLIO RECOVERY ASSOCIATES XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation