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

Complaint narrative:
XX/XX/2018 I open a check account with Citibank over the phone and was given a promotion over the phone which I still have a hand writen note make debt purchase of {$370.00} or more within 60 days and make 1 or 2 bill pay within 60 days ( no minimum amount ) wait 90 days after the 60 days period get XXXX XXXX XXXX XXXX So I opened the account and did the purchase and bill pays and during the time of promotion of 60 days I have made two phone calls to check weather I will get the miles they all said I am good I just have to wait 90 days but the miles never came so XX/XX/2018 I filed a dispute with bank confirmation # XXXX and I got a letter back from them and my promotion was denied

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 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
This account does not belong to me, this address I was told this account was started I have never lived there.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Original complaint : " I have reached out to XXXX XXXX/ XXXX over 4 times now regarding my credit card account. Twice they have told me they would remove these late payments on my credit reports. Months went by and still nothing. I called again another other two times and was transferred to another department and then subsequently hung up on while waiting. They are showing 4 late payments ( XXXX, XXXX, XXXX, XX/XX/2017 ) which is 100 % incorrect. I set up a payment plan with XXXX in XXXX and the lady with whom I spoke to informed me I would have ZERO late payments on my credit report. Despite having this confirmed, I still kept receiving payment deliquencies on my credit report from this company even though I was making payments on time in my payment plan. I need these removed as these are not incorrect, but are seriously hurting me financially. I have been a loyal customer to XXXX for several years and want to be treated better than this. " XXXX XXXX XXXX XXXX ( representing XXXX in the consumer complaints dept ) stated that I did not pay the correct amounts past due. However, the amount I paid were the amount STATED as due on my account " viewed online ''. The paper statement was correct but the online amount due WAS NOT CORRECT ... I paid what I was asked to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to my recent credit report request from XXXX, Transunion, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.
VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to XXXX, TRANSUNION, XXXX, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX Account # XXXX Being Reported to XXXX, TRANSUNION, XXXX CHARGED OFF ACCOUNT BAD DEBT XXXX  Account # XXXX Being Reported to TRANSUNION, XXXX ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to XXXX, and TRANSUNION ( CHARGE ACCOUNT ) XXXX/XXXX  Account # XXXX Being Reported To XXXX, and TRANSUNION ( CLOSED OR PAID ACCOUNT/XXXX  BALANCE INSTALLMENT SALES CONTRACT ) XXXX XXXX XXXX/XXXX XXXX Being Reported To XXXX ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To XXXX  ( FLEXIBLE SPENDING CREDIT CARD ) XXXX   XXXX Account # XXXX Being Reported To TRANSUNION ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on TRANSUNION ( PLACED FOR COLLECTION )

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 2018-12-12 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: MS

Complaint narrative:
I have disputed the address information on my Equifax credit report and they sent me proof that they deleted the address. After reviewing my credit report after receiving the results, I saw that Equifax had inserted the erroneous address back on my credit file. I disputed it again and this time they stated that they will not delete it at this time because of " prior documents that I submitted ''! I do not know what " prior documents '' that Equifax is talking about and the address needs to be permanently remove because it is not 100 % accurate per FCRA. I am a victim of identity theft and also a security breach at my job and I am trying to make sure that all of the information in my credit file is 100 % accurate. I am sending you a copy of the Equifax credit reports to support the information that I am submitting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/2018 I have reached out to All three credit bureaus requesting corrections to my personal consumer credit report. 

I have contacted all three agencies via telephone and also via certified US mail with my requests for corrections. 

Since my initial requests submitted back in XX/XX/2018, I was able to get multiple items corrected on my personal consumer credit report with the exception of several items that are still invalidly listed on my profile. 

Equifax is the primary credit reporting agency that I am having the greatest difficulty with getting them to report accurate information on my personal credit report. I have spoken with them via certified US mail and over the telephone with an agent representing their agency and was told that the only way that I am able to view my personal credit profile online, would be to subscribe to a service that they offer for a fee. 

Equifax is allowing various companies to list inaccurate information and information that does not belong to me onto my personal credit profile, after I have disputed it several times within the past year. This is hindering my credit abilities and causing great strain within both my personal and professional life. 

One of the main issues that I am having with Equifax, are the correct reporting of my student loans, I have consolidated all of my student loans which should be listed under only one Agency, however Equifax is listing them under the agency that they are consolidated with, but they are also listing them individually making my credit profile look as if I have double the amount of student loans which is impacting my overall credit score. 

Equifax is also allowing XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, to report inaccurate information on my personal credit profile which is impacting my overall credit and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: NV

Complaint narrative:
Chase abruptly closed my sapphire credit card account. A week or two earlier they had send me a mail request to up my credit limit which was approved.

I called them to ask why my card was being declined. They said the account was closed and they couldn't tell me anything more other than I would be receiving a letter in the mail in the next week.

In the meanwhile, my credit score has dropped 60 points overnight due to this account closure! I've done nothing wrong and I've attempted to address the situation with Chase but have been met with nothing but XXXX  bureaucratic responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
To whom it may concern I am disputing charges from XXXX XXXX totaling {$210.00}. 

TV services were installed and then cancelled within 24 hours due to XXXX XXXX in ability to provide the internet services initially agreed upon in my TV and internet bundle. 

Under Florida law I am entitled to cancel any contract within 3 days of signing. I did so within hours of the tv service being installed. Therefore invalidating the contract as well as the fact XXXX XXXX was unable to provide what they had agreed to. 

If you would like to pursue this issue further I request the following proof of debt 1. Contract 2. Proof of installation of TV 3. Proof of installation of internet * ( this doesnt exist ) 4. Recording of my call to XXXX XXXX   on the day of installation between XXXX and XXXX XXXX EST 5. Recording of second call to XXXX XXXX after the one and only bill I received from them. ( the representative stated that I owed nothing and the account would be XXXX out ) Credence RM refused to provide documentation and states only that it is valid. 

XXXX XXXX doesnt have any record of my account. They seem to have zeroed it out as initially stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: CO

Complaint narrative:
XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX  re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.

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 2018-12-12 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: CO

Complaint narrative:
XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX  re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.

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 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
Never received any communication from debt collector. I submitted a debt validation letter and the collections agency did not respond within 30 days and thus created a violation of the FCRA and FDCPA. This collection needs to be removed from my report as this IS NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: NV

Complaint narrative:
I opened an Citibank package for XXXX $ opening bonus. The account was deposited with XXXX $ on XX/XX/18. By the term I should received bonus before XX/XX/18, but I ask Citibank chat service and nothing happened yet.

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 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX has committed fdcpa violations, they continuously use offensive language towards me and doesn't properly verify me most of the time. This has been going on for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX advertised to offer XXXX XXXX points after spending XXXX dollars in first 3 month for XXXX XXXX  credit card. I spent XXXX dollars but did not receive the offer. I called the about this issue. They said they told me I won't receive this offer during my application. However I did not find this item during my application!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: UT

Complaint narrative:
I sent a certified written request on XX/XX/2018 for Validation of this account. I have not yet received a response from this company and therefore this account should be removed from my credit report IMMEDIATELY. Per FCRA if debt is not validated within 30 days of written notice account must be removed.

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 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2018 I have reached out to All three credit bureaus requesting corrections to my personal consumer credit report. 

I have contacted all three agencies via telephone and also via certified US mail with my requests for corrections. 

Since my initial requests submitted back in XX/XX/2018, I was able to get multiple items corrected on my personal consumer credit report with the exception of several items that are still invalidly listed on my profile. 

XXXX  is the primary credit reporting agency that I am having the greatest difficulty with getting them to report accurate information on my personal credit report. I have spoken with them via certified US mail and over the telephone with an agent representing their agency and was told that the only way that I am able to view my personal credit profile online, would be to subscribe to a service that they offer for a fee. 

XXXX  is allowing various companies to list inaccurate information and information that does not belong to me onto my personal credit profile, after I have disputed it several times within the past year. This is hindering my credit abilities and causing great strain within both my personal and professional life. 

One of the main issues that I am having with XXXX, are the correct reporting of my student loans, I have consolidated all of my student loans which should be listed under only one Agency, however XXXX  is listing them under the agency that they are consolidated with, but they are also listing them individually making my credit profile look as if I have double the amount of student loans which is impacting my overall credit score. 

XXXX  is also allowing XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX to report inaccurate information on my personal credit profile which is impacting my overall credit and credit score.

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 2018-12-12 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: LA

Complaint narrative:
I've requested my yearly credit report from XXXX for several years and have been unsuccessful. I've called Equifax several times and they actually tried to charge me {$14.00} for one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 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: NV

Complaint narrative:
Back in XXXX of 2018 I began working on cleaning up my credit. After sending in my driver 's license, social security and proof of address to TransUnion they mailed me a copy of my credit report. After reviewing it I noticed incorrect names, addresses, accounts etc listed on my report. I filed disputes with TransUnion requesting that they remove the inaccurate information from my record. I continued to notice that TransUnion was not correcting my personal information. So after mailing them at least 4 times, I decided to call. I contacted TransUnion on XX/XX/2018 and spoke with a rep who stated that they had corrected my name and I requested that they mail me an updated report with my name corrected. Unfortunately when I received my report my name was still incorrect. I am not sure how I can trust TransUnion to accurately report my credit history if they can't even get my name right. So that is why I am filing this complaint. I just want them to have my correct name on file.

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 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/2018 I called XXXX to pay my grandson 's mobile phone bill. Later in the day I discovered that the agent had applied the funds to the internet account rather than to his mobile phone account. For some reason, XXXX was unable to transfer the funds. At that time, I paid a second time with a second credit card. That second payment was applied to his phone account. I called the original credit card company to cancel the first payment. They will not do that without a statement that the account has been paid. Since I am not the owner of the XXXX account, I can not get a statement therefore the credit card company will not cancel the payment,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
On XX/XX/XXXX I made a transaction with XXXX XXXX XXXX for a transaction which was a mystery box. On this day I would pay him {$300.00} usd which is XXXX gbp. On XX/XX/XXXX I told him if I can get any updates about the item, but he would not respond also he would block me. I contact Paypal about this XX/XX/XXXX and today i just got a message and they said they ruled the favor the scammer. Also, they don't reopen closed cases which kind of XXXX. Can you please help me get my money back, because PayPal is not doing its job?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: NM

Complaint narrative:
This is the company that is calling us each and everyday. Three or four times a day. 

Regional Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Phone : ( XXXX ) XXXX We have all ready told that we have a lawyer to help has filed for Bankruptcy. 

My Name is XXXX XXXX email address is XXXX XXXX

Company response to consumer: Closed with explanation