vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fact that all three credit bureaus do not collect all data real time and allow third parties to access and use their information right or wrong presentls a fraudulent reporting environment that they seem to have no desire to correct. Here is the facts as defined by Equifax and extracted from their site. What You Need to Know This credit score is a XXXX XXXX based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. '' It is almost identical to other disclaimers by the other two major credit reporting agencies. The fact that this has been reported numerous times and ignored by the CFPB. Is by opinion and example a potential collusion to defraud people through presentation of varied calculating practice and different reporting data. To boot the information is access and maintained by NON CITIZENS WITH OFF SHORE ACCESS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TX

Complaint narrative:
I have contacted Equifax several times about this error. I have two accounts for the same creditor listed twice on my credit file. 
The account is listed as XXXX XXXX The first account is listed as paid in full ; second one charge off The amount are listed as the same the open dates are the same as well I have asked them to correct this matter. 
I also asked for them to provided the correct information. I asked to verify this is account belongs to me as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Good morning, My name is XXXX XXXX, Im XXXX XXXX XXXX and a American citizen, retired living in XXXX for the las XXXX years. I have a problem with the Chase Bank which I have checking ( ATM Card ) for over XXXX  years. 
I had an ATM card which I use with withdraw funds from my account which my XXXX XXXX benefits are deposited monthly. In XXXX of this year my ATM card expired and I contacted the Chase Bank for a replacement, due to their outdated policies in dealing with clients that live outside of the XXXX XXXX took over 3 months to get a replacement ATM card which after the first one got lost in the mail the replacement was sent to XXXX by UPS after pleading with them extensively. 
Of course, the PIN for the new card is sent separately by regular mail which it never made it to me, after contacting them that the PIN was not received, they send a new one. At this point the PIN according to them it has been sent about 3 or 4 times even though my mailing address is correct. I have pleaded with them to please send me the PIN by UPS and I would be happy to pay to the shipping cost they informed me that they can not do that which I dont understand since they sent the ATM by UPS why not the PIN? 
To make matters worse they have blocked my password in order to access my account in the banks Web portal. I have tried to call Customer service on various occasions to help me clarify my problems but since I dont remember which ID I used to open the account they rudely hang up on me not caring the Im calling from another XXXX.

As I mentioned earlier, Im a XXXXXXXX citizen that is alone and rely on my XXXX XXXX benefits for my living expenses which I havent had access since XXXX. It would be a financial and health hardship for me to travel to the XXXX to personally fix this problem that can be done by phone or email. 
Your agency is my last hope in finding a solution to my problems since the Chase bank is very callous and it does care on how they treat senior citizens that bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been an Citibank credit card customer since XXXX, I have not missed one single payment on my card and my XXXX score is XXXX. I have been paying the annual fee of over {$400.00} every year. 
In early XXXX, XXXX, Citibank closed my card without prior communicating with me through any form, hence I don't even know the exact date of my account closure. 
I reached out to Citibank via phone call, despite I told them I'm not physically in the XXXX right now, they said the only way to communicate with them on this matter, is through physical mail ( not with email or phone calls ).

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 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I recently review my credit report and notice there were inaccurarcies. A collection from MRS ASSOCIATES for the amount of XXXX is not my debt. I was a victim of id theft and im not responding for debt. Below is a copy for information related to the debt. 

MRS ASSOCIATES Original creditor : XXXX - XXXX {$210.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$210.00} {$210.00} Payment Info Original balance {$210.00} Balance {$210.00} XXXX XXXX, XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 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: TX

Complaint narrative:
I have contacted Equifax several times about this error. I have XXXX accounts for the same creditor listed twice on my credit file. 
The account is listed as XXXX XXXX The first account is listed as paid in full ; second one charge off The amount are listed as the same the open dates are the same as well I have asked them to correct this matter. 
I also asked for them to provided the correct information. I asked to verify this is account belongs to me as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I recently review my credit report and notice there were inaccurarcies. A JEFFERSON CAPITAL SYST amount of XXXX is not my debt. I was a victim of id theft and im not responsible for collection. Below is a copy for information related to the debt. This collection is compromsing my chances of acquring a place to live. 

JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX  : 0 % Balance on XX/XX/XXXX Original balance {$850.00} {$850.00} Payment Info Original balance {$850.00} Balance {$850.00} Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Status date XX/XX/XXXX Additional info Comments-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I sent Knight Adjustment Bureau letters on XX/XX/2021 and XX/XX/2021 asking for certain verification information from them and their responses to both letters did not answer any of my questions. 

I am aware and have proof that Knight Adjustment Bureau 's violations against me include but are not limited to : violation of of 15 USC 1692g ( a ) ( 1-5 ), 15 USC 1692j , 15 USC 1692e ( 2 ) ( A ), 15 USC 1611. 

Knight Adjustment Bureau 's collection efforts have caused me and my family emotional distress and defamation of character. 

I have never participated in any transactions with Knight Adjustment Bureau. 

I have never consented to do business with Knight Adjustment Bureau in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On or around XX/XX/2021 I sent PENTAGON FEDERAL CREDIT UNION a Cease and desist notice to stop all ILLEGAL activity. In the notice provided ( see Exhibit A1, A2, A3 ) you can see I have addressed to PENTAGON FEDERAL CREDIT UNION that Pursuant to 12 CFR 1026.13 ( a ) ( 6 ) see Exhibit B : the billing statement I have previously received is a billing error, Provide documentary evidence as the definition states in 15 U.S.Code 44 ( see Exhibit C ) that includes all documents, papers, correspondence, books of account as described in IRS Publication 583 ( Record Keeping ) and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I require this clarification in order to address the billing error for the amount shown in my latest statement. I need to clarify who funded the account and how much is owed according to the journal and credits of account and ledger and debits of account to verify from the current accounting and taxes associated with this account.

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 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I recently review my credit report and notice there were inaccurarcies. A collection SOUTHWEST CREDIT SYSTE the amount of XXXX is not my debt. I was a victim of id theft and im not responsible for debt. Below is a copy for information related to the debt. It stopping me from getting a place to live. 


Account Info Tap labels for more details Account number XXXX Collection openedXX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$200.00} {$200.00} Payment Info Original balance {$200.00} Balance {$200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XXXX 2021 Additional info Comments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to resolve this with XXXXXXXX XXXX  bank and Experian. This was a secured card that I opened XX/XX/XXXX and I called a couple times to close the account in XX/XX/XXXX. When I called to close the car in XXXX of XXXX there was not enough balance and the security deposit would have covered the remaining balance plus some. But even though I called a few times to make sure that XXXX was closing the account and applying the security deposit, they did not. I stopped paying attention to it until I got a call that the card was open and there were late fees, etc. I was furious. I ended up having to pay an addition like XXXX $ in fees to XXXXXXXX XXXX and they reported me as deliquent and that negativity on my report is awful. 
In vain I tried to dispute it with Experian perhaps I didn't explain correctly but no more complaints can be launched against XXXXXXXX XXXX via Experian investigations. 

Someone did not do their job at XXXX XXXX  when I called to close the account and I am paying the price. I feel that I am owed the fees back that I paid as it shows as a charge of presently. I deserve to have this account removed from my report altogether as the way it appears is affectiong my stellar credit worthiness. 
On the many occassions I have tried to reach XXXX XXXX by the number listed on the Experian report I get a run around that they don't handle these issues and it is Experians problem. Either way, as a consumer it is bad business and I have put a tremendous amount of effort into fixing the wrong reporting status.

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 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/21 I received an email from XXXX XXXX and a phone call from Discover Card stating that someone had submitted an application to open a credit card in my name. I would have had no reason to apply for a new credit card, so it was determined that someone else fraudulently submitted an application for a Discover Card. I do not have a Discover Card and have no interest in getting one at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 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: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX Complaint against Bank of America On XXXX XX/XX/2021, I deposited XXXX. by cashier 's check drawn on XXXX Bank to my Bank of America checking account. I have been a customer of Bank of America for over XXXX years and never bounced a check or missed a payment. 
Bank of America will not allow me to access my funds until XXXX XX/XX/2021. XXXX days after deposit. This time period is excessive in light of the facts and the banking regulations. It is common knowledge that these funds should have been made available in two days. 
I have lost business and investment opportunities as a result of Bank of America 's failure to clear my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I wired {$100000.00} to Gemini trust LLC to buy XXXX. I got emails to confirmed these transactions but the fund is not showing on my account. I wrote a lot of emails to ask Gemini support but no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Fraudulent transactions with XXXX ( cable and internet company ) XXXX amounting to over {$30000.00} still ongoing. More fraudulent transactions are piling up even after reporting the fraud to Bank of America.

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 2021-12-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: CO

Complaint narrative:
I paid XXXX with my Citi card for a purchase from a company called XXXX XXXX XXXX XXXX. This was on XX/XX/21. I asked repeatedly when my order would ship, they kept emailing me saying next month, next month, etc. ( I already purchased these products elsewhere, they are available from hundreds of retailers ). Clearly, they weren't sending anything and was a scam. Asked to cancel multiple times, they refused. I disputed this with CIti, they said it was a legit charge because I couldn't prove they didn't send anything. I have no idea how to do that? That's why I filed the dispute. A company took my money almost seven months ago, no product, no service, and no refund. 

Sadly, we were customers for 10+ years, tens of thousands spent through Citi XXXX never late on a bill once, not ever. And I had to cancel our account because they literally allowed a fraudulent company to steal {$35.00} from us. They did so willingly, and helpfully.,

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 2021-12-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: TX

Complaint narrative:
I started to use my XXXX XXXX debit card at the direction of my local social security office. I was not given any choice nor advice that I could use my bank to have the funds deposited directly to my account. This started around XXXX and upon trying to reach out to the company to get results and answers I was directed time and again to a robocall to resolve the issue. I have yet to receive my XXXX XXXX payment for XXXX. No notices were sent out. In fact, absolutely no communication from Comerica bank. I am a XXXX XXXX XXXX veteran who has served honorably and I feel that I deserve much better than this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Hello! I need help in removing this collection account from my credit file. If you will investigate I am doing my best to have my credit scores fixed and be in the right path. I am reporting you this account because it is inaccurate and I have no dealings or debt with them. Please help me and have it removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I applied for credit with XXXX, after already having applied XXXX months ago, and having been approved for my first line of credit. After making XXXX consecutive on-time monthly payments on my first loan with no outstanding payment balance as required, I applied for my XXXX loan request with XXXX. However, upon making a request for an additional loan amount I was declined for the following reason ( s ) : XXXX was unable to retrieve my credit report.

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