vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed. I have been sending out dispute letters since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX and all of XXXX BestBuy/CBNA keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance and the debt was cancelled through CFPB complaint and in the mail. Now they are adding a balance past due monthly all over again, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX  report and my XXXX report purposely destroying my credit making it seem like it is a new debt and newly past due every month. They only temporarily fixed it after I first complained with CFPB but then continued these practices on my credit reports once again. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX  balance and fix that false past due reports years later. I sent them the letter in the mail and a letter stating my issue with no action. I want all the past due removed from my XXXX and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
I recently contacted Hillcrest Credit Agency in regards to a collection on my credit report requesting that they Validate my debt. They Im fact did not in a timely manner. They sent me a letter that is attached stating that under the Fair Debt Collection Practices Act, there is no duty to provide verification after the 30-day validation period has expired

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet XXXX   credit bureau continue to state this account has been verified, but how? XXXX, and XXXX has removed these inaccurate account. I have been sending out dispute letters since XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received a US Bank Rewards Visa card with a XXXX balance on XX/XX/XXXX. I made to purchases, one for XXXX on XX/XX/XXXX and the other on XX/XX/XXXX for XXXX. Shortly after, I lost the card during a move. I called the Cardholder Services, but I was told that they could not help me because I didn't know the number on the card. I later found the card and contacted Cardholder Services on XX/XX/XXXX. I was reissued another card since the previous one had expired. The new card had a balance of XXXX. At the time, I couldn't remember how much money was left on the original card. I made a small purchase with the new card. Unfortunately, I lost the card again. I contacted Cardholder Services on XX/XX/XXXX and spoke to XXXX. This is when I learned that I had been charged a XXXX replacement fee on the first card and XXXX inactive monthly fees starting XX/XX/XXXX and proceeding for the next eleven months, ending XX/XX/XXXX and totaling XXXX. I was not made ware of this in the first phone call. XXXX told me that he could not help me with the fees and I needed to contact US Bank. I asked him to reissue the card for the remainder of the balance, but he said that the balance was a little over XXXX and he would have to charge me a XXXX fee, making the card worth nothing. I asked for US Bank 's phone number and was told that they don't have it. I found a number for US Bank. I'm not sure who I spoke with there, but she was not able to help me and referred me back to Cardholder Services. I then spoke with XXXX, employee # XXXX. She put in a request to get the fees credited back to me, but told me that they probably would not do it. I asked to speak with a supervisor. XXXX, employee # XXXX, the supervisor, told me that he could not help me and I needed to speak with US Bank, but he did not have a phone number for them either. I called Visa and spoke to XXXX. I was again informed that Cardholder Services would help me with this and she transferred me to XXXX XXXX to get the issue resolved. XXXX told me there was nothing she could do to help and I needed to contact US Bank. 
These are disgusting corporations that have found loop holes in the legal system to make money without offering any services or products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27 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: CA

Complaint narrative:
Todays Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Complaint : ALLEGING UNPROVEN DAMAGING ENTRIES ; SEEKING ANNULMENT FOR NON-PERMISSIBLE PURPOSE. 
To Whom it may concern : Experian, XXXX, XXXX XXXX According to The Ninth Circuit, in Pintos v. Pacific Creditors Association ( 9th Cir 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies.

As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE. 
XXXX/XXXX/XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 CXXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 I am requesting immediately deletion of the above inquires. 

Thanks for your prompt attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: DISCOVER BANK
State: CA

Complaint narrative:
This year, I purchased a book through the XXXX company and I used my Discover Card to make this purchase. 

Then, many months later, my wife 's Discover Card was stolen and out entire account number was closed and Discover Card reissued us a new Discover credit card. 

Then, sometime after the Discover Card was reported stolen and number shut down, the company XXXX company ( XXXX XXXX XXXX, XXXX ) charged my old Discover credit card and Discover Card allowed the transaction to commence, since I had used the Discover Card to make a prior transaction on it. Discover Card is claiming that the XXXX book purchase is a reoccurring transaction, but this is false and fraudulent information. In fact, I can not remember the last time I charged merchandise with the XXXX company ; other than the one prior this year. 

XXXX is claiming that I had signed up for a membership. And as such, they charged the Discover card for the same book, for the next year. I have not signed up for any membership and I have not received any book from the XXXX   company under this new charge with Discover Card on XX/XX/XXXX, in the amount of {$30.00}. 

I disputed the charge with Discover Card, but the Discover Card claimed the transaction is valid. I HAVE NOT RECEIVED MERCHANDISE FOR THE CHARGE!!! 

DISCOVER CARD SHOULD NOT HAVE ALLOW AN OLD CLOSED ACCOUNT NUMBER TO RECEIVE A FUTURE CHARGE!!! The card was closed and NO transactions under that old account number should have commenced or been accepted by Discover Card!!! 

This matter will be fought tooth and nail, even if I have to bring the matter to court!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXXVisa XXXX Was suppose to be paid {$330.00} on XX/XX/XXXX. They are denying that a payment was ever receved by XXXX XXXX Visa Credit Card. They have stated that they never received payment documented with online banking as XXXX  # XXXX. They are also claiming that they only ever received payments of {$45.00} or less being the minimum account which only brought the account balance down by {$1.00}. XXXX XXXX Visa is claiming non-payment for the duration of the entire account begining XXXX of XXXX. Please send copies of all payments made by me and received or cashed and applied to account XXXX to me and to this creditor. Which is a service that online banking provides when a biller denies having received payment. 
Again my account has been taken over by hackers. Most of my emails were deleted and I have been receiving false emails of the same name with emoticons that are not flagged as spam because they cloned and replaced the mail address of the company. Email is disabled and no longer working for me. Please do not send email to me. Only contact me via United States Postal Mail. Since XXXX my outgoing phone calls have been intercepted by a call center of hackers who represented them as businesses that I receive services from. XXXX XXXX   /XXXX XXXX XXXX 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 2019-08-27 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:
Todays Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   XXXX Complaint : ALLEGING UNPROVEN DAMAGING ENTRIES ; SEEKING ANNULMENT FOR NON-PERMISSIBLE PURPOSE.

To Whom it may concern : XXXX, XXXX, Trans Union According to The Ninth Circuit, in Pintos v. Pacific Creditors Association ( 9th Cir 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies.

As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE.

XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting immediately deletion of the above inquires.

Thanks for your prompt attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This letter is complain to Equifax to erase an error account from my report XXXX XXXX XXXX shows one missed payment I talked to equifax and also to the creditor and asked equifax to erase the account  from my report because I was an authorized user on the card and creditor agreed to take me out from the card so Im no longer an authorized user please erase it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX gave me a loan for finance my XXXX XXXX I had just got it was my first car I ever got and I was always on time with payments but I ended up going to XXXX and I missed one payment cause I was in XXXX so as soon as I was released from XXXX I rushed home to make the payment on the phone and they told me my car was already sold in auction I told them I have prove I was in XXXX that's the reason I couldn't send the payment my dad tried to make the payment for me but they didn't want to take the. Money until I got out and now they say I owe them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This year, I purchased a book through the XXXX company and I used my Citibank Costco to make this purchase.

Then, many months later, my wife 's Citibank Costco Card was stolen and our entire account number was closed and Citibank reissued us a new Citibank credit card. 

Then, sometime after the Citibank credit card was reported stolen and number shut down, the company XXXX XXXX ( XXXX XXXX XXXX, XXXX ) charged my old Citibank credit card and Citibank allowed the transaction to commence, since I had used the Citibank credit card to make a prior transaction on it. Citibank is claiming that the XXXX book purchase is a reoccurring transaction, but this is false and fraudulent information. In fact, I can not remember the last time I charged merchandise with the XXXX company ; other than the one prior this year. XXXX is claiming that I had signed up for a membership. And as such, they charged the Citibank credit card for the same book, for the next year. I have not signed up for any membership and I have not received any book from the XXXX company under this new charge with Citibank credit card on XX/XX/XXXX and two transactions on XX/XX/XXXX, totally {$95.00}. 

I disputed the charge with Citibank credit card, but Citibank claimed the transaction is valid. I HAVE NOT RECEIVED MERCHANDISE FOR THE CHARGE!!! 

CITIBANK SHOULD NOT HAVE ALLOW AN OLD CLOSED ACCOUNT NUMBER TO RECEIVE A FUTURE CHARGE!!! The card was closed and NO transactions under that old account number should have commenced or been accepted by Citibank!!! 

This matter will be fought tooth and nail, even if I have to bring the matter to court!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2019 around XXXX XXXX i swiped card at XXXX XXXX for the amount of XXXX $ the transaction went threw but the cashier state 's that it was declined. I tried transaction 2 more times when i got alert on phone showing that it had gone threw but the transaction amount was XXXX and showed my account balance now at XXXX. Ive contacted my card and they say they have to wait for XXXX XXXX to refund and XXXX XXXX is saying they dont show tbe transaction at all in system. But its on my card history as a negative charge like all my other purchases. I need my XXXX back in my account and no one seems to want to refund 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
Consumer complaint received 2019-08-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite what is now two years of consistent effort with the credit reporting agencies all three have yet to remove what is on XXXX XXXX XXXX a card riddled with unauthorized charges after it was lost. I spent the majority of 2017 explaining only in the best English I could since it is my second language and no one would listen to launch an investigation into the charges. I know that the law covers reporting unauthorized charges and doesn't allow it until the end of the investigation but no investigation was ever initiated and I think it has much to do with me being XXXX and not knowing the law. Two years later I've done my research and realized that they're making a mistake and it's a mistake that affects them ability and ability of my family to live the American dream

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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:
Despite what is now two years of consistent effort with the credit reporting agencies all three have yet to remove what is on XXXX XXXX XXXX a card riddled with unauthorized charges after it was lost. I spent the majority of 2017 explaining only in the best English I could since it is my second language and no one would listen to launch an investigation into the charges. I know that the law covers reporting unauthorized charges and doesn't allow it until the end of the investigation but no investigation was ever initiated and I think it has much to do with me being XXXX and not knowing the law. Two years later I've done my research and realized that they're making a mistake and it's a mistake that affects them ability and ability of my family to live the American dream

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On the XXXX of XXXX I deposited a school refund check for {$9000.00} and received {$200.00} immediately with the rest expected on the XXXX. I was told that my date had been pushed back to the XXXX due to possible fraud or unpaid check from XXXX XXXX University- XXXX XXXX XXXX . When I reached out today regarding why my account is still on hold, they stated I was on a 3-5 day hold due to my account being in review and and the possible fraud or unpaid check. This is rendering my unable to pay rent, pay my car, insurance, cell phone, or any bill as Im ex military and was depending on this check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CT

Complaint narrative:
Received collection letter regarding XXXX with someone else 's name at my address. 
I don't know this person, they never lived at my address, I do not have apartments in my single family house. 
I have also never had XXXX. 
Explained the situation to Sequium, asked that they contact XXXX to verify what I had told them, and stop sending me collection letters. 
Sequium claimed there was nothing they could do and their collection process would continue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation