vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service

Complaint narrative:
I had a XXXX XXXX card which I always paid on time. In XXXX I deployed to XXXX and asked for my payments to be deferred which was done at a later date by AAFES. However, they still reported negative information on my account. In XXXX while stationed in XXXX my AAFES card was fraudulently used to purchase a computer notebook. I did not make the purchase and didn't know that a purchase had been made on my charge card until after negative information started appearing on my credit report. AAFES confirmed that the purchase was made but failed to send me the dispute documents. They said the purchase was made online and shipped stateside even though I was still in XXXX. I made some payments and then felt that I should have to pay for something I didn't purchase. AAFES then took the remaining balance from my Tax Refund. I did not want to continue to argue with AAFES so I called and asked if the account was paid in full and they confirmed the account showed a XXXX balance in XXXX. In XXXX negative information started showing on my credit report. The negative information showed {$1.00} was owed and placed for collections. 

In XXXX AAFES also agreed to remove all negative information from my credit report due to several situations arising while servicing the account. 

I am a XXXX XXXX XXXX  veteran and AAFES mistakes is making it difficult for me to find adequate housing. Due to my XXXX i have limited options where I can live.

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 2019-03-05 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
In XXXX, 2018 my company had requested a corporate American Express card. Two days after receiving the card it was stolen. I contacted American Express and provided them with the information. Needless to say they decided to switch the account over to an individual account and made me responsible. I told them this was a credit card fraud. We only had the card for three days then I closed the account. Since then, American Express has done everything possible to destroyed my credit rating. Now my credit score went from XXXX down XXXX. 

XXXX XXXX now has the case and advised me my credit rating will go down until I agree to pay the charge. Phone number is XXXX American Express disputes XXXX My contact number - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: MO

Complaint narrative:
I have disputed these accounts many of times but the credit reporting agencies XXXX in particular tend to follow their own rules as oppose to the consumer laws set forth within the FCRA rule of laws. And if this problem remains un fixed then I will then take this matter up with FTC inwhom backs up the FCRA and/ or file suite . Once again I'm disputing the following accounts. # 1, XXXX  XXXX XXXX XXXX, # 2 XXXX XXXX, # 3 XXXX XXXX, on a few accounts now, for one they do not belong to me, nor do I have any contract with the above companies. However, the credit reporting agencies investigation into this matter results were " Verified As Accurate ". As my consumer right I'm requesting the Method Of Verification used in your companies coming to such an conclusion. I would like to know the name and title of your company 's representative inwhom handle my case. I would like to know inwhom did they speak with, text, email, write, fax, etc, what day and time did this communication take place. And more importantly what physical contract or any documentation that was reviewed and copied by your reporting company. Please up date my file correctly and if you nor your companies can not provide me with all the requested info above then as written in the FCRA them disputed accounts shall be removed immediately, blocked from reporting false information that is hindering me from my rightful and true 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 explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SECURITY FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/XXXX I reached out to the collector from XXXX XXXX XXXX in regards to my vehicle loan. I informed XXXX XXXX that the financed vehicle had been under repairs for the past 25 days due to the vehicle not starting. At that moment I had not recovered my vehicle from the dealership/shop yet. I also notified her that the initial repair costs exceeded the amount of {$800.00}. An amount close to the actual worth of the vehicle. I informed her that this vehicle was purchased at one of their dealerships on XX/XX/XXXX and I only had the vehicle for personal usage for about only 3 months before the vehicle completely broke down and could not be started. I was never offered a Warranty by XXXX within the first 90 days as advised by the seller. XXXX XXXX proceeded to tell me that the events are " too early in the agreement '' for her to offer me any options. Despite {$2000.00} plus two full payments being made on the vehicle already. She insisted several times in collecting a payment, asking me if I could make a payment the following day, after being told repeatedly that the vehicle was not under my possession and could not be driven. I assured her that the vehicle can be paid on a monthly basis as originally agreed with the exception that the damages on the vehicle are ridiculously high and the product financed ( vehicle ) can not be used for personal purposes as it is the purpose of this loan. She was also made aware that on XX/XX/XXXX an appraiser from my Auto Insurance was sent to appraise the vehicle. After this, the determination was that the vehicle was " worn out '' and " faulty ''. After one attempt of the vehicle being repaired, the vehicle was picked up on XX/XX/XXXX but failed to stay on and be driven outside the dealership. The vehicle has been identified as a risk to be driven on the road as it can shut down at any moment resulting in an accident as it happened twice before. Before our call ended, she again repeated that there were no options available at this time and threaten to damage my credit and to call back the following day with an update from the shop. However, as part of the terms and conditions of the initial agreement ( XX/XX/XXXX ) it is stated that I can ask for a deferral of the scheduled due date of all or any part of a payment. In addition, no options to change the vehicle were discussed either. I was able to pick up the vehicle later that day for a total repair costs that exceed {$1000.00} plus rental fees during the time that the vehicle was under repair ( 20 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: MO

Complaint narrative:
I have disputed these accounts many of times but the credit reporting agencies XXXX in particular tend to follow their own rules as oppose to the consumer laws set forth within the FCRA rule of laws. And if this problem remains un fixed then I will then take this matter up with FTC inwhom backs up the FCRA and/ or file suite . Once again I'm disputing the following accounts. # 1, XXXX  XXXX XXXX XXXX, # 2 XXXX XXXX, # 3 XXXX XXXX, on a few accounts now, for one they do not belong to me, nor do I have any contract with the above companies. However, the credit reporting agencies investigation into this matter results were " Verified As Accurate ". As my consumer right I'm requesting the Method Of Verification used in your companies coming to such an conclusion. I would like to know the name and title of your company 's representative inwhom handle my case. I would like to know inwhom did they speak with, text, email, write, fax, etc, what day and time did this communication take place. And more importantly what physical contract or any documentation that was reviewed and copied by your reporting company. Please up date my file correctly and if you nor your companies can not provide me with all the requested info above then as written in the FCRA them disputed accounts shall be removed immediately, blocked from reporting false information that is hindering me from my rightful and true credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Due to identity theft you do not have my full information. My full name is XXXX XXXX XXXX XXXX please add XXXX to the end of my last name. All of my identity theft fraud theft ect was with out this. Please correct this on my credit reports and letters you send me in the mail. Also the numbers on my fraud alert one is right XXXX but this one XXXX was tided to the person who stole me identity. Please fix the fraud alert. Just keep XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: FL

Complaint narrative:
Due to identity theft you do not have my full information. My full name is XXXX XXXX XXXX XXXX please add XXXX to the end of my last name. All of my identity theft fraud theft ect was with out this. Please correct this on my credit reports and letters you send me in the mail. Also the numbers on my fraud alert one is right XXXX but this one XXXX was tided to the person who stole me identity. Please fix the fraud alert. Just keep XXXX. Thank you.

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my Equifax credit report they still have a inquiry from XXXX XXXX XXXX XXXX  XXXX XXXX this inquiry was done due to identity theft your company took off XXXX XXXX XXXX  so why not this one too? XXXX XXXX still has XXXX? Still one here on my credit report after 90 days. Still have not taken this inquiry off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a Citi card and am due a refund as part of the XXXX settlement reached with regulators. I received a letter from Citi dated XX/XX/XXXX advising me that my refund check had been sent, but not cashed. I called them on XX/XX/XXXX and was told they would send another check and to followup in 3 weeks. 

I never received the 2nd check either. I called Citi yesterday and there is no answer at the XXXX # provided. I called the regular customer service number and was told there was nothing in my history about the refund. I was told a manager would call me back by XXXX XXXX, but I never got a call. 

I want either the check, or the money applied to my account 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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my XXXX credit report they still have a inquiry from XXXX credit national credit card cos this inquiry was done due to identity theft your company took off XXXX XXXX XXXX so why not this one too? Trans union still has XXXX? Still one here on my credit report after 90 days. Still have not taken this inquiry off.

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 2019-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Friday XX/XX/XXXX I made two attempts to reach someone at online banking when I attempted to change my " pay from account '' list under Bill Pay. I was on hold in excess of 20 minutes each time. On Saturday XX/XX/XXXX at the branch I asked for assistance and was told I had to call online banking. Later that day I called XXXX again a 20 minute wait. I spoke with XXXX XXXX ( XXXX in the survey that was sent to me ). 
I reviewed my issue with the agent and requested that for my XXXX I wanted the Pay From List be changed to ONLY reflect my checking account ending in XXXX. He implied he was making the change as we spoke and indicated it would not be reflected for 24-48 hours. This made sense to me because I assumed it would go through batch processing. It's been 48+ hours and the changes have not been made. 
I am using the CFPB route for assistance me, as I understand it from XXXX, the bank has an online banking center in Arizona that is not working due to " something '' and they are down 100 agents so wait times are excessive. 

Assuming the agent took care of my request I responded affirmatively in the survey - those positive responses for XXXX are retracked. Perhaps waiting 48 hours before the bank sends a survey makes better sense so that customers can respond based on the bank doing what it said it would 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 2019-03-05 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: AZ

Complaint narrative:
ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to USPS and XXXX sherrif , and XXXX FBI . No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a lemon XXXX XXXX that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. Experian resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from 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 2019-03-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 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: FL

Complaint narrative:
Equifax, XXXX XXXX, XXXX and XXXX XXXX has cost me to lose 95 POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account. Other bank credit cards that I paid in full with zero balances and I cancelled the credit cards are reappearing after disputing with balances again!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have repeatedly attempted to contact capital one to dispute billing errors and identify unauthorized charges. However, Capital One has removed the email links and fax numbers from their contact information, disabled my ability to chat online with them, and removed my ability to dispute transactions online. By the time I get home every day, the dispute department is closed making it all but impossible to report these issues. I have attempted to notify Capital ONe via social media who only points me to one of the avenues I Just listed which are not available. I have wanted to reassert the following transactions which were rebilled to me in error : XX/XX/XXXX TRANSACTION REBILL for {$50.00} and XX/XX/XXXX TRANSACTION REBILL for {$100.00}. Additionally, I've attempted to dispute the following charges through multiple venues, yet capital one keeps pointing me elsewhere : XXXX XXXX XXXX {$260.00}, XXXX XXXX XXXX {$170.00}, XXXX XXXX XXXX {$12.00}, XXXX XXXX XXXX XXXX XXXX {$42.00}, XXXX XXXX XXXX XXXX XXXX {$22.00} and XXXX XXXX XXXX {$210.00}. I have attempted to notify Capital One via the online chat when it was working, and through the online dispute option which never worked. The online dispute button asked me to call in and the chat department always asked me to call in as well, which when I have the time to call in the dispute dept is closed. I have tried notifying them via social media, which does no good either. They have made it impossible to exercise my right to dispute billing errors and unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: AZ

Complaint narrative:
ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to XXXX and XXXX sherrif , and XXXX FBI XXXX No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a lemon XXXX XXXX that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX  XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. XXXX resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from 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