vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I opened a checking account with Citi Bank on XX/XX/2018, with a promotional offer of a {$400.00} bonus if I maintained a balance of {$15000.00} for 60 days. The terms stated that the bonus would post at most 90 days after the expiration of the 60 days from the date of deposit. I had contacted Citi several times over the course of the 150 days to make sure my account was eligible and the terms had been met satisfactorily. 

The bonus is similar to the one currently offered here - https : //banking.citi.comXXXX XXXXXXXX & XXXX Most recently, I was told that the bonus post on XX/XX/18. On XX/XX/18, I had contacted Citi to see why my bonus didn't post, and was not given any clear answer, other than that it needs to be investigated. I have had several Citi investigations never be resolved, so I'm submitting this complaint to try to get a resolution at a level higher than entry level Customer Service.

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 2018-12-09 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: KY

Complaint narrative:
I filed a FTC identification theft and KY state police report. 
Also a workers comp injury at XXXX XXXX has left me broke. Started w a chapter XXXX as I made about {$1200.00} a week to XXXX as XXXX XXXX Refused ... not realizing it was chronic and deathly, after 6 mths I had to file chapter XXXX. 
XXXX framed me for theft and I caught them and got clear, the identity theft dropped my score 200 points. I had XXXX But XXXX either left portal open .. or XXXX XXXX , of XXXX XXXX sent in an attachment on my software update. I have tried, maimed in filed on line 1 ) XXXX XXXX goes to court in XXXX, XXXX They offered , but again This is likely death. 
2 ) XXXX has bullied me and .... cost me a lot of $ I feel they are part of the id theft which stole XXXX XXXX ) XXXX and XXXX recovered 4 ) I go XX/XX/XXXX for my SS XXXX 5 ) my credit is good but I cant get a loan to survive .. Fcc has 15 complaints on XXXX  w evidence. 
6 ) why wont TRANSUNION fixing this? Us XXXX  paying them to? Wheres consumers right 1-3 has corrected 7 ) fix now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: CA

Complaint narrative:
I recently ran my credit report, and noticed a numerous amount of credit inquiries on my report. I need these removed from my credit report immediately, as they are untrue and horrible reflection of my of my credit worthiness. 

1.XXXX 2.XXXX XXXX XXXX 3.XXXX 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Vehicle was purchased through loan by Credit Acceptance Corporation, the vehicle stopped working 45 days after the loan and the Extended Warranty was not honored by dealer, warranty company or dealership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Unfortunately in XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and also XXXX and XX/XX/XXXX monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX  XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XXXX of the year XXXX. 

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I obtain credit from Bank of America and was very thankful they gave me the opportunity to have credit with them. I made payments on time and never had a problem, until I fell on hard times and missed payments they eventually closed the account and it went to charge off status on my credit report. The reason I fell behind on payments is, because my mom was XXXX and I had to take time off from work and plan a funeral. My mother didn't have life insurance I had to sell things and tried to raise money to bury her, I couldn't make payments, because I didn't have the money. Bank of America reach out to me for a settlement and I agreed to make payments as promised with the clearing of all negative reporting on my credit reports. I've attached a copy of my payment agreements and have contact their company several times and left voicemails asking for the deletion of the account. I'm willing to send them copies of proof of my mom 's XXXX, police records, obitutary etc. whatever they need to say I'm sorry I missed those payments then due to no work, because of bereavement. I still have the account reporting negatively on my credit report. I would like to move my family out of state to get away and trying to purchase a home, but can not get approval, because of the negative account reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Tried calling Experian, XXXX and also XXXX to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

XXXX has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX  XXXX XXXX XXXX La, XXXX is my correct previous address. 

Experian has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

XXXX has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On or about XXXX I received from Wells Fargo 3 seperate mailings indicating the following new accounts had been opened : XXXX XXXX Account with Checking XXXX Overdraft Protection and Savings XXXX {$5000.00} Visa XXXX XXXX XXXX XXXX I have never applied to Wells Fargo for any type of account. On XXXX I contacted their fraud department. Wells Fargo claims I made an online application for these accounts on XXXX. I have never had an online profile with them. I asked : Who's online profile was used? 
What IP address was used? 
How could these accounts be opened online with NO funding? 
How was a credit pull made since I have a credit freeze since XXXX? 
Which bureau was pulled? 
They would not answer any of my questions and referred me to the credit bureaus. 
All 3 confirmed to me credit freeze still in effect with these messages : SECURITY FREEZE :  This file has been frozen or locked at the consumer 's request. 
SECURITY ALERT : Extended Fraud Alert : Action may be required under FCRA before opening or modifying an account. Contact consumer at ( XXXX ) XXXX or ( XXXX ) XXXX. ( Note : This alert is set to expire in XX/XX/XXXX. ) PROMOTIONAL OPT-OUT : This file has been opted out of promotional lists. 
( Note : This opt-out has no expiration date. ) Identity theft victims and XXXX XXXX military personnel have additional rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
Monterey Collection Services has placed a negative mark on my credit report for {$2600.00}. I never received proof of this debt or written notice of right to dispute. I have no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: KY

Complaint narrative:
I filed a FTC identification theft and KY state police report. 
Also a workers comp injury at XXXX XXXX has left me broke. Started w a chapter XXXX as I made about {$1200.00} a week to XXXX as XXXX XXXX Refused ... not realizing it was chronic and deathly, after 6 mths I had to file chapter XXXX. 
XXXX framed me for theft and I caught them and got clear, the identity theft dropped my score 200 points. I had XXXX But XXXX either left portal open .. or XXXX XXXX , of XXXX XXXX XXXX in an attachment on my software update. I have tried, maimed in filed on line 1 ) XXXX XXXX goes to court in XXXX, XXXX They offered , but again This is likely death. 
2 ) XXXX  has bullied me and .... cost me a lot of $ I feel they are part of the id theft which stole XXXX 3 )  XXXX and XXXX recovered 4 ) I go XX/XX/XXXX for my SS XXXX 5 ) my credit is good but I cant get a loan to survive .. Fcc has 15 complaints on XXXX  w evidence. 
6 ) why wont XXXX fixing this? Us XXXX paying them to? Wheres consumers right 1-3 has corrected 7 ) fix now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Tried calling XXXX, XXXX  and also Transunion to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

Transunion has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX   XXXX XXXX XXXX La, XXXX is my correct previous address. 

XXXX has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

XXXX has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: LA

Complaint narrative:
Tried calling XXXX, Equifax and also XXXX to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

XXXX has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX   XXXX XXXX XXXX La, XXXX is my correct previous address. 

XXXX has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

Equifax has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
XXXX Illinois electric company has hired a debt collector " The Cbe Group Inc-former '' to attempt to collect {$1000.00} from me on a electric bill that is not mine. I am on the national do not call list and they call me at work even after I tell them they are breaking the law. I don't have this debt and it is innacurate. 

This has impacted my credit score and effected my personal and work life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Unfortunately in XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and also XX/XX/XXXX and XX/XX/XXXX monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with my lender so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XX/XX/XXXX. 

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX  believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rhodes, Kelly Assoc Inc
State: NC

Complaint narrative:
This is my 3rd time submitting a complaint against Rhodes Kelly & Associates. They have once again failed to provide me with adequate validation of the medical debt that was placed with this office. In addition, they have violated HIPAA by sending me a copy of medical correspondence displaying personal information. They claim that there is an agreement in place that allows the obtaining of this information. I was not made aware of this agreement prior to this information being sent to them. The information should have been sent to me directly from the original creditor. I mailed a letter to Rhodes Kelly & Associates on XX/XX/2018 regarding this HIPAA violation ; they are aware that they have 30 days to respond. Please note that 30 days had past and they didn't respond or mark my credit file as disputed. My credit file was updated on XX/XX/2018, indicating a {$28.00} decrease in payment, this is well over 30 days. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute ; Keep in mind they signed for the certified letter on XX/XX/2018. I have retained a copy showing date of receipt, as well as a time-stamped copy of my credit reports showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

I am demanding for these collections to be removed from my XXXX credit file immediately or it leaves me no other choice but to proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
How are you doing? I was shocked when I reviewed my credit report and found late payment on both of my credit cards with you guys ; XXXX XXXX-30 Day Late payment. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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