vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have several Citibank credit cards, all of which have rewards programs. On my Citi Dividend World Mastercard my XX/XX/21 statement listed {$200.00} in cash rewards. Several days later I received a letter from Citibank stating that the card was being converted to a different rewards program -- the Citi Rewards+ Mastercard -- and that as a consequence my existing rewards where no longer available. 

I accept Citibank 's decision to change the program, but I feel like they had an obligation to allow me to collect my accumulated rewards before their elimination. To the best of my recollection, I had no warning of this impending change or the impact on my rewards. My habit had been to covert those rewards on an annual basis -- I regarded the rewards as a sort of savings account. It occurs to me that in appropriating these funds, Citibank has taken many thousands of dollars away from customers enrolled in the program. 

On XX/XX/21 I called my card 's customer support number to complain. The agent consulted with his manager, who authorized {$100.00} credit as a good will gesture. I accepted this offer ( perhaps relinquishing subsequent claims, this was not made explicit ) with the notion that halfway to a solution was better than nothing. But in my mind they still owe me money. And how many more customers are there in the same boat who may not complain because the amounts owed are not worth their time and effort?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-19 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: TX

Complaint narrative:
I have inquiries on my credit report that I didn't do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: FL

Complaint narrative:
In XXXX of 2021 I receive a personal loan to consolidate my debt with XXXX. One of the debts that was supposed to be paid off was Lending Club in the amount of {$6000.00}. On XX/XX/2021 XXXX  mailed out the check and on XX/XX/2021 Lending Club cash the check from XXXX  and did not apply the payment to my loan. In XXXX, I contacted Lending Club multiple times and they initially denied receiving a check from XXXX. XXXX  provided me with a check number along with notice of a truth and lending disclosure statement and that was when Lending Club admitted to receiving the check for {$6000.00} and cashed it but did not apply it to my account. On XX/XX/2021 Lending Club claimed to have mailed out a check in the amount of {$6000.00} back to XXXX. As of the date of this letter, XXXX has not received the returned check. After contacting Lending Club numerous times over the course of five months, I am continuously being told that my case has been escalated to the treasury department. I continued to ask and was not given any contact information for someone in treasury department or any other department that could assist me with rectifying the error. 

I remained faithful to my debt to Lending Club until I sought the advice of counsel who advised me to stop paying Lending Club and to file a claim against Lending Club. On XX/XX/2021 I contact my financial institution and stopped all payments to Lending Club. I currently owe Lending Club {$5800.00}. 

My goal was to consolidate my debt now I am paying double and no one will help me get back the {$6000.00} from Lending Club. 

I further would like to add that the company needs to assess its internal controls or lack thereof. It is hard to believe that the companys bank records would not reflect a missing {$6000.00} transaction for over five months and provide timely corrective actions. I hope this is not a normal business practice and other consumers are not having the same experience. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: TX

Complaint narrative:
I have inquiries on my credit report that I didn't do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Truist in XXXX and uploaded documents XX/XX/XXXX. I've received literally no communication since that point at all. I checked the website and it said my loan was de-activated. 

I submitted for re-activation and emailed my representative multiple times with no response. See attached. 

the only reason I'm staying with Truist is the inconvenience of starting over with another company. I hope you can get Truist to process my application and communicate with 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 non-monetary relief
Consumer complaint received 2021-09-19 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: Absolute Resolutions Corp.
State: NY

Complaint narrative:
In XXXX of 2021, I noticed that Absolute Resolutions added a derogatory mark on my Credit report per XXXX XXXX. This derogatory mark is now reporting on my XXXX and XXXX credit reports. Upon further research, this account was transferred/sold and I am not responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature or confirmation of debt does NOT validate the debt. Anybody can send me a bill or notice and tell me it is mine. 

I sent a debt validation letter ( on XX/XX/2021 ) and what was sent to me was a copy of a court filing stating I owe the debt ( by default ). A court appearance that I was never served notice about and therefore never appeared to defend myself. On XX/XX/2021, I requested copies of the original debt statements/payments/ and contract, again stating that I never had dealings with the original creditor and requested these documents so that I could file a fraud report through the FTC and my local police precinct. Instead of these document, Absolute Resolutions again sent me a copy of the court filing, with judgement made by default ( without my presence ).

According to the FCRA, Absolute Resolutions has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: IL

Complaint narrative:
On XX/XX/21 I sent Experian a letter disputing the validity of the bankruptcy and accounts including in the bankruptcy they are reporting on my credit report. They responded with a letter stating the verified and updated his item. I went directly to XXXX XXXX  of Illinois and XXXX to dispute the item in question and neither companies could not verify this item so they deleted it from the database. I went back to Experian and showed them the deleted bankruptcy from both companies informing them if they couldn't reveal how they truly verified this item it needs to be deleted according to the FCRA. They have once agin refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest rate every year. This items needs to be deleted from my credit report if it can't be verified within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM A NATURAL PERSON, in FACT CONSUMER, Im a native of this lane, THIS COMPANY IS COMMITTING FRAUDXXXX DOES NOT HAVE MY PERMISSION TO USE MY INFORMATION, I HAVE SENT SEVERAL CEASE & DESIST, I AM FILLING A COMPLAINT IN SMALL CLAIMS COURT XXXX IS VIOLATING THE FAIR CREDIT REPORTING ACT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase bank reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
Chase bank did not remove me. 

Chase bank still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

Chase bank has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: KY

Complaint narrative:
I reached out on XX/XX/2021 via letter to XXXX XXXX who owns the debt and has now outsourced to Viking Client Services. XXXX XXXX/Viking Clint services say I owe about {$16000.00} for a car. I have not received a letter of the notices or allowable resale of a vehicle. XXXX XXXX still reflects on my credit report with XXXX, XXXX, and XXXX with no proof of debt owed or legitimate documents. This has harmed my credit and is considered a violation of the FDCPA and FCRA. Please advise I submitted a letter to XXXX, XXXX, and XXXX in regards to having the debt collector verify the collections and havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: AE

Complaint narrative:
Opened a TD Bank XXXX Financing Account to purchase a XXXX phone. Traded in two devices to receive promotional credit towards cost of phone. XXXX never processed the trade ins and have revoked my trade in credit. Was supposed to receive XXXX USD in trade in credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I AM A NATURAL PERSON, in FACT CONSUMER, Im a native of this lane, THIS COMPANY IS COMMITTING FRAUDXXXX DOES NOT HAVE MY PERMISSION TO USE MY INFORMATION, I HAVE SENT SEVERAL CEASE & DESIST, I AM FILLING A COMPLAINT IN SMALL CLAIMS COURT XXXX IS VIOLATING THE FAIR CREDIT REPORTING ACT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I viewed my credit report and found two collections from the same company. 



I never received any correspondence from them saying I had a debt. 
Debt Recovery Solutions {$940.00} Debt Recovery Solutions {$270.00} On XX/XX/XXXX I mailed a debt verification letter ( non certified ) to the collection agency and credit bureaus. I received no response from the collection agency and the bureaus response was that the debt was valid. I never received anything validating the debt. 

On XX/XX/XXXX I mailed a pay to delete for both accounts in an effort to just get it off my credit. To date I have had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
every sense the account was opened for months ago there has been fraudulent charges on this account on a monthly basis taking out of my celsius security check now they have blocked by account where i can no longer use my cards for a year they will not allow me access to the app to the website and they barely talk to me on the phone i have probably called at least a hundred times and i get nothing but redundant answers that solve nothing all i want to do is view my account i didn't make the fraudulent charges their accusing me of such and i do not appreciate that in the least nasagza there keep in

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA closed and removed my complete credit card history in retaliation of filing disputes of fraudulent charges in 2015. Instead of removing fraudulent charges of over XXXX occurring after I paid off the balance in full in XXXX or XXXX of 2015 with money from refinancing a mortgage, they removed my complete credit history which was in good standing and at a XXXX balance. Why would my good credit history be removed all together? 
By doing so they have caused my good credit history length to be reduced as well as the good payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
I have tried and been trying to get access to my funds for the last 6 weeks and by my purse and my telephone being stolen or misplaced I have yet to gain access to my friends or talk to a lie real person about the issues at hand and especially during a disaster of a hurricane and being homeless and not having any fun to get any food or transportation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
Eaton Group Attorneys, LLC is trying to collect on a debt that was the result of identity theft but they are the type of service that would try to collect on a debt even if they know the truth about the debt.This Eaton Group Attorneys, LLC is in violation of the federal fair debt protection act 15 U.S.C. 1692.

The company that sent this account to you was sent may letters telling them that this account was opened through the result of identity theft.

This debt is not owned by anyone in this household.

Also XXXX  XXXX  XXXX  was told that the account was the result of identity theft.

I would like to know why is Eaton Group Attorneys, LLC trying to collect on a debt that is the result of identity theft? 
Reference number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The following closed student loan accounts are all over a decade old yet keeps reappearing on my credit report. According to the FTC, they must be removed as they are too old to be on file. Remove these from my Experian credit report immediately. 



U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
The debt is inaccurate. Hospital incorrectly billed wrong insurance although I gave them updated insurance information for services in XX/XX/2019. I was unknowingly left stuck with a huge bill of {$6900.00} that my insurance would have covered and left me with a small deductible. Ive spoken with State Collections agency about the error. They lured me into making a monthly agreement to supposedly protect my credit, until I Can get the hospital to correct the error with a promise to not flag my credit as long as an agreement was in place. However, my credit was flagged although I paid as promised and XXXX XXXX XXXX will not correct the error because they said they no longer own the debt and it can only be resolved with State Collections Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: OR

Complaint narrative:
XXXX XXXX  reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
XXXX XXXX  did not remove me. 

XXXX XXXX  still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: OR

Complaint narrative:
XXXX XXXX  reported a credit card belonging to my ex wife was XXXX in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
XXXX XXXX  did not remove me. 

XXXX XXXX  still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: OR

Complaint narrative:
XXXX XXXX  reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
XXXX XXXX  did not remove me. 

XXXX XXXX  still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.

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