vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my new Citi Checking and Saving account on XXXX with promotion offer ( Deposit {$15000.00} or more New-to-Citi funds and keep 60 days to receive {$300.00} new account bonus ). 

I finished all terms by XXXX but never receive my {$300.00} bonus until I submit inquiry to Citi on XXXX. Citi responded in letter that partial of my {$15000.00} deposit is from XXXX Credits are not considered a qualifying deposit. 
The explanations from Citi is totally not acceptable. First of all, their terms only states deposit {$15000.00} or more of New-To-Citi funds. My XXXX transfer is from XXXX XXXX, which is definitely a New-To-Citi Deposit funds. Secondly, their terms never mentioned to exclude the instant deposit like XXXX from New-To-Citi deposit activities. 

Citi should honor my bonus and deposit to my account right away.

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 2021-09-08 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have contacted both XXXX and Citi Bank about how they are currently still reporting that i am an active authorized user of the account listed on my credit report. I am not listed as an active user, I was removed some time ago and the account is actually paid in full and closed out. XXXX has yet to remove this from my report and it is causing me a hardship due to the fact I am unable to refinance my home.

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 2021-09-08 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: NC

Complaint narrative:
I have contacted both Equifax and XXXX XXXX  about how they are currently still reporting that i am an active authorized user of the account listed on my credit report. I am not listed as an active user, I was removed some time ago and the account is actually paid in full and closed out. Equifax has yet to remove this from my report and it is causing me a hardship due to the fact I am unable to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent a dispute letter to XXXX to validate and delete XXXX XXXX  Account Number : XXXX and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2021 I sent a dispute letter to XXXX to validate and delete XXXX XXXX  Account Number : XXXX and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.

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 2021-09-08 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: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over thirty days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over thirty days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XXXX XXXX I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. 

Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. 

In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. 

I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. 

Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. 

I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees.

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 2021-09-08 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: DISCOVER BANK
State: CA

Complaint narrative:
I have been told and have had my Discover Student Loan account accordingly notated, that Discover did not report student loans delinquent to credit at 30 days, instead, they reported delinquencies at 60 days. This policy was due to their issues not being able to properly track student loan delinquencies and updates to payments in a timely manner. That being said, Discover, out of the blue reported me two x 30 days and 1 x 60 just recently this year. I spoke to multiple representatives about this and was advised that Discover could arbitrarily change their reporting policies at their discretion, but in order to assist me, would escalate the matter. It has been about a month now, and Discover has not resolved any issues and now I have multiple late reportings on my credit where now Discover is the only account I have this type of derogatory reporting issue. I have record of having made my payment for the past 6 months or so and will attach it. This company has become very difficult to work with since COVID happened and I believe that this is an attempt for Discover to disproportionately preclude people from refinancing their loans out of Discover by giving them this unwarranted and illegal black mark on their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I applied for a credit card in the summer of XXXX. I was denied a credit card by Comenity Capital Bank. On XX/XX/XXXX, my attorney wrote a letter to the bank requesting a copy of my entitled credit report and the bank did not give me a copy of my credit report it used to deny me a card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I feel the company violated my consumer rights, which i have proof of! 

They owe me remedy per violation they committed. I will begin to further explain. 

I spoke with XXXX XXXX & XXXX XXXX The company " XXXX XXXX XXXX '' as shown in screenshot of phone call received or " Convergent Outsourcing '' as stated on the phone by XXXX XXXX who addressed himself as the manager. I began to let him know that I do not owe said alleged debt, and i am aware of my rights in which they are in violation of. At that point XXXX Who represents said company as manager began to state verbatim " most people talk out of their XXXX and are really XXXX and do not know the laws '' at that moment i alerted him i will be filing a report with the CFPB to exercise said rights. I spoke with this same company the day prior and told them DO NOT call my telephone anymore, at which point they obviously ignored, and were Willfully Noncompliant as per 15 U.S. Code 1681n - Civil liability for willful noncompliance Pursuant to federal Law, I am The Original Creditor, Natural Person, & Consumer Per 15 USC 1692A.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Identity Fraud occurred when mail was stolen from a business mailbox in XX/XX/2021. On XX/XX/2021, I was alerted by a detective that a suspect was taken into custody with a counterfeit California Driver 's license in my name, address, and DOB. On her person was {$3500.00} cash and $ XXXX.Cashier 's check and withdrawal slip from my personal checking account. In addition, there was a debit card for XXXX, and a form with my own personal information. On XX/XX/XXXX, I placed freezes and security alerts on TransUnion, XXXX, and XXXX, and disputed the many inquiries that has been recently made on my credit profiles. The suspects were released after two weeks. On XX/XX/XXXX, a MailDump in the City of XXXX XXXX turned up a new account opened at XXXX in XXXX XXXX in my name. Again, I investigated into my credit bureau accounts, and found that there had been more inquiries into TransUnion and XXXX. On XX/XX/XXXX, the suspects gained access into Transunion and XXXX and unfroze my accounts. There were apartment rental applications, retail credit cards, and attempted automobile purchases through XXXX and XXXX XXXX XXXX. I called XXXX, and found that the email on file was updated by the thieves to bypass any communication to me directly. The credit report from TransUnion on XX/XX/XXXX compared to the summary dated XX/XX/XXXX, showed another telephone number added to my profile. I was able to unfreeze my own XXXX account simply by using the automated system that inputs the information that was stolen by the identity thieves. There was no password on PIN required. These credit bureaus claim to protect the consumer, but it is a false security. Using personal information that was compromised, Criminals gained access to exactly the information that should have been protected the most.

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 2021-09-08 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: NY

Complaint narrative:
Good Morning, Please find attached the following documents supporting that we did not use United Visa Card for the expenses of {$790.00} USD at XXXX XXXX on XX/XX/XXXX and of {$1500.00} at XXXX XXXX on XX/XX/XXXX : 1. Travel Confirmation reflecting I was in XXXX at the time the card was used 2. Confirmation my brother used XXXX  in XXXX  on XX/XX/XXXX XXXX. My brother Bank Statement ( Marriott Chase Visa ) reflecting charges in XXXX  on XX/XX/XXXX and XXXX Given Chase your fraud policy ( XXXX XXXX XXXX ) and our history as clients, we are extremely surprised of how you've handled the situation. The fact that I was not in the United States at that time and that my Brother who is also a Chase CardHolder used one of your cards in XXXX XXXX on those same dates clearly reflects that we are not responsible for those charges. I also called Chase immediately as I received a notification to inform you that those charges were not ours and to this date I haven't received a response after calling several times. I've also just noticed that I'm being charged a Minimum Payment due on the credit card. 

Thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08 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: CA

Complaint narrative:
I have been told and have had my XXXX XXXX XXXX account accordingly notated, that XXXX did not report student loans delinquent to credit at 30 days, instead, they reported delinquencies at 60 days. This policy was due to their issues not being able to properly track student loan delinquencies and updates to payments in a timely manner. That being said, XXXX, out of the blue reported me two x 30 days and 1 x 60 just recently this year. I spoke to multiple representatives about this and was advised that XXXX could arbitrarily change their reporting policies at their discretion, but in order to assist me, would escalate the matter. It has been about a month now, and XXXX has not resolved any issues and now I have multiple late reportings on my credit where now XXXX is the only account I have this type of derogatory reporting issue. I have record of having made my payment for the past 6 months or so and will attach it. This company has become very difficult to work with since COVID happened and I believe that this is an attempt for XXXX to disproportionately preclude people from refinancing their loans out of XXXX by giving them this unwarranted and illegal black mark on their credit.

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 2021-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from CMRE attempting to collect a debt place with it by XXXX XXXX This was CMREs first contact with me. I stated I dont owe the debt, it was written off and I had proof. I was told CMRE doesnt verify debts, the debt is valid and placed with it in XX/XX/XXXX by the hospital. I asked the the debt be verified over the telephone that moment, and the staff person told me we dont verify debts I will mark it as disputed and she hung up. 

I followed up the phone call with a written request and a copy of the email indicating XXXX XXXX was writing off the debt in XX/XX/XXXX. I asked CMRE to verify and validate the debt as indicated in my correspondence. I made a second written request on XX/XX/XXXX. I have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a written dispute to Transunion on XX/XX/21 via certified mail. The dispute was indeed received and signed for by them on XX/XX/21. Not only was any of the information in the letter that I disputed, removed, or updated, I never received any letter from them regarding the disputed items. It has been 6 months and the disputed items still remain on my credit file, and still to date I haven't been contacted regarding my dispute. I have attached a copy of the dispute letter that was sent, as well as the Signature of receipt to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I show a bankruptcy on my Equifax, XXXX and XXXX credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I show a bankruptcy on my XXXX, XXXX and Experian credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I have continued to see on my credit report an account with the company name 'PROF DEBT ' with a note that says original creditor was named 'XXXX XXXX  ' in the amount of {$2600.00}. It states this is an individual debt. 
I am not familiar with either of the names given nor do I have any negative account with this large of a balance. 
I have disputed this numerous times with all the credit bureaus yet the collection continues to stay on my credit report and will not be removed. 
I believe this is a significant infringement on the Fair Credit Reporting Act. I have yet to be provided any sort of verification of this debt and believe the company responsible for placing it on my record is doing so with the awareness of their fraudulent behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation