vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I applied for a CITI Double Cash Card on XX/XX/XXXX and got approved on the same day. I was told I would receive the card within two weeks. I didn't. I waited for about a month and called them, They said the card might be got lost and they were going to send me a new card in a week. Again, I didn't receive the card. I called again after waiting for a couple of weeks. This time they told me they closed the card and I would have to apply again if I needed the card. I was shocked. Later I came to know this incident could affect my credit report and consequently creditworthiness. Therefore, I have decided to file this complaint.

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 2020-07-13 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
On XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Atlanticus Services Corporation
State: AL

Complaint narrative:
On XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
On XX/XX/2020 a debt validation letter was mailed to XXXX in regards to an account # XXXX. Letter received dated XX/XX/2020. A copy of the original consumer signed contract was requested, A calculation of the balance, documentation that shows this debt was agreed to be paid & a copy of state license & license #. A letter was also mailed to Calvary Portfolio Service. No where in their response was any of this information provided. I am demanded to see the original consumer signed contract immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a email alert stating there was a hard inquiry on my credit, to a credit card Synchrony that I did not applied for.

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 2020-07-13 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: SCA Collections, Inc.
State: WV

Complaint narrative:
The debt in collections was paid in full on XX/XX/2020. This should be removed from my report and my score updated.

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 2020-07-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I followed the link from XXXX XXXX for the credit card Chase get a {$250.00} credit after 3 months with purchase, one free night and fee waived for a XXXX XXXX XXXX XXXX CC to make a long story short they didnt give me anything but extra miles or points and charged me the {$95.00} fee I have a picture of the ad and have told them that, and they continue to ignore me or say that was not the promotion when I took a picture of it and they refused to have me send it to them. The date is on the photo I applied the same day and was approved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portaXXXX. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CL Holdings LLC
State: AL

Complaint narrative:
I PULLED MY CREDIT IN XX/XX/2020. I DISCOVERED INACCURACIES ON MY CREDIT REPORT I FILLED OUT AN IDENTITY THEFT AFFIDAVIT AND REPORTED THE INCORRECT INFORMATION TO ALL THREE BUREAUS AND CREDIT AGENCIES. THERE HAS BEEN NO RESOLVE TO MY COMPLAINTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CITIBANK, N.A.
State: AL

Complaint narrative:
In XX/XX/2020 I had my credit pulled while looking for a mortgage and saw accounts that were a result of Identity theft. These accounts have been reported to the credit bureaus and to date have not been removed. I would like to complain because I am a victim and the companies have yet to remove the information.

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 2020-07-13 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: NV

Complaint narrative:
I reached out to TransUnion and XXXX diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate

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 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Contacted Comenity Capital Bank toll-free number and was told we could pay an account balance with a debit card. On XX/XX/2020, when we arrived at XXXX XXXX in the XXXX XXXX XXXX in XXXX XXXX, Texas, we were told we had to pay account balance with a check. DO NOT ATTEMPT TO CONTACT ME AT THE TELEPHONE NUMBER LISTED WITH THE XXXX. THAT TELEPHONE NUMBER IS A NON-WORKING TELEPHONE NUMBER. I PREFER TO BE CONTACTED BY EMAIL AT XXXX. DO NOT CONTACT ME BY TELEPHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: NV

Complaint narrative:
I reached out to XXXX  and XXXX diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: NV

Complaint narrative:
I reached out to XXXX  and Experian diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate

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 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital System continues to report false information on my credit report. They are not the original creditor and I reserve all my rights under UCC 1-308 without recourse, I have no contract with Jefferson Capital System, my middle initial is XXXX and they are using XXXX. in a name that sounds like my own. I believe I'm a victim of identity theft by their company and would like this situation resolved before I seek filing charges. Under 609 of the FCRA I have rights that are being abridged. They can not swear under oath that I owe a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase Private Client account and expect better customer service than what I am receiving. 

I set up a payee and cut a check to same. The payee is XXXX. XXXX XXXX. The check is made out to XXXX. XXXX XXXX ( See Attached ). Chase changed the payee name without notifying me. Payee will NOT be able to remit check as written. 

Since I can NOT send a Secure Message, I expect Chase to reply to this complaint by standard postal service at my address of record. 

Do NOT attempt to answer this complaint with a Secure Message ( that I can NOT reply to ). Do NOT contact me by Secure Message or email ; mail a letter instead. 

Do NOT attempt to answer this complaint by calling the telephone number listed on my account. Do NOT contact me by telephone ; mail a letter instead. 

I will NOT call the toll-free Chase customer service number and be placed on HOLD for 30 minutes to an hour to receive an answer. I have tried this already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Carter-Young, Inc.
State: AL

Complaint narrative:
In XXXX of 2020 I had my credit pulled while looking for a mortgage and saw accounts that were a result of Identity theft. These accounts have been reported to the credit bureaus and to date have not been removed. I would like to complain because I am a victim and the companies have yet to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
In XXXX of 2020 I had my credit pulled while looking for a mortgage and saw accounts that were a result of Identity theft. These accounts have been reported to the credit bureaus and to date have not been removed. I would like to complain because I am a victim and the companies have yet to remove the information.

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 2020-07-13 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I PULLED MY CREDIT IN XX/XX/2020. I DISCOVERED INACCURACIES ON MY CREDIT REPORT I FILLED OUT AN IDENTITY THEFT AFFIDAVIT AND REPORTED THE INCORRECT INFORMATION TO ALL THREE BUREAUS AND CREDIT AGENCIES. THERE HAS BEEN NO RESOLVE TO MY COMPLAINTS.

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 2020-07-13 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I PULLED MY CREDIT IN XX/XX/2020. I DISCOVERED INACCURACIES ON MY CREDIT REPORT I FILLED OUT AN IDENTITY THEFT AFFIDAVIT AND REPORTED THE INCORRECT INFORMATION TO ALL THREE BUREAUS AND CREDIT AGENCIES. THERE HAS BEEN NO RESOLVE TO MY COMPLAINTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I pulled my credit in XX/XX/2020 and discovered inaccuracies I filled out an identity theft affidavit an reported the incorrect incorrect information to all 3 credit burrows there has been no resolve to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: ERC
State: AL

Complaint narrative:
I pulled my credit in XX/XX/2020 and discovered inaccuracies I filled out an identity theft affidavit an reported the incorrect incorrect information to all 3 credit burrows there has been no resolve to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On Monday XX/XX/XXXX i applied for a Small business loan with SBA due to me have financial difficulties during this pandemic my funds was deposited on XX/XX/XXXX I went into the bank tried to withdraw funds They wouldnt allow me to get them they asked me for proof of my business I provided them with my tax schedule C form Because my business I do not have a EIN They wouldnt allow it

Company response to consumer: Closed with explanation