vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: NV

Complaint narrative:
Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter in regards to mistaken and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased quickly or I will petition for suit because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LDF Holdings, LLC
State: NV

Complaint narrative:
I needed to borrow {$400.00} to pay my car registration in this state. I was led to believe that the loan would cost me {$130.00} but after signing and funding, I was sent a document stating that I had to pay {$130.00} a month for 10 months. That's over {$1000.00} on a {$400.00} loan. These people are worse than loan sharks and I will not be extorted by these crooks. Unfortunately I took a {$450.00} loan from a legitimate company and the total payback is {$550.00}. Where do these shylocks get off taking such advantage of desperate people in desperate situations. The only money I have is my social security and more expenses come out of that then money I have to cover just day to day living expenses. I already paid them {$130.00} and now I stopped payment for that company with my bank. I will give them {$50.00} a month for 7 months to pay off the balance of {$300.00} and some interest, but that it all I'm willing or able to pay. If that's not good enough, they can sue me and I'll sue them for fraud. Please help me. These people should not be allowed to even be in business, they are crooks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: WA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 223 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I completed a dispute however it was not successful. They responded that mail was sent but I was not leaving in the address that was sent to due to XXXX  so I never received the letters. Now I want to rebuild my credit so I can buy a house but due to the Covid 19 im not able to pay the full amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I. Booked a XXXX XXXX XXXX  This past XX/XX/2021 through XX/XX/2021 for a 7 day round trip XXXXXXXX XXXX XXXX XXXXXXXX this was my 3 rd consecutive XXXX  with XXXX XXXX line while already on XXXXXXXX XXXX XXXXXXXX XXXX  I physically went to customer service desk. Initially Inserted my XXXX XXXX XXXXXXXX Credit card fir {$2400.00} XXXX the customer service. XXXX employee told me my XXXX  XXXX XXXX credit card was not read And they couldnt bill. It asking me for another form of payment in which I gave XXXX  my Chase Debit card which was read debiting my chase debit card {$2200.00} which was read and went through. When I flew back home in XXXX XXXX California I received both my XXXX  XXXX XXXX credit card statement showing infact XXXXXXXX XXXX XXXX  did charge my XXXX  XXXX XXXX credit card in the amount of {$2400.00} when they denied the purchase went through. Double charging me for the same cruise as they also debited my chase debit card for {$2200.00}. I have called XXXX XXXX  for a apology as well as a credit letter from them Explaining why they charged both my banking cards. For the same identical cruise I have provided proof copys of my XXXX  XXXX XXXX charge to chase bank as I disputed the {$2200.00} XXXX  debited my debit card. 1 week ago where chase XXXX of XXXX XXXX  manager XXXX XXXX Chase central Claims headquarters my proof of the double charge XXXX double charged me in my XXXX  XXXX XXXX card yet over a week later Chase. Claims headquarters says they have NOT received my proof. I find this rather ODD a fax takes only minutes not days? I need your help. Since XXXX  refuses to return Chase banks numerous calls. About XXXX  double charging me as well as chase headquarters Claims. Saying they havent received my proof of double billing for the cruise I spoke and emailed XXXX  about the problem and received no explanation of responsibility nor a Apology

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
worked out agreement with collection agency that was servicing the loan for XXXX which is XXXXXXXX XXXX XXXXXXXX the party for XXXX XXXXXXXX XXXX XXXXXXXX promised to not only remove and delete the file put also stated the original credtor would remove from credit reporting i dipputed this XXXX XXXX XXXX updated the balance and failed to remove the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened a new account a few month ago. Since that time I have been trying to set up an on line account so I can have my direct deposit go to my account. After numerous very rude and unhelpful calls they are unable to help me. I checked my balance at a foreign ATM and TD bank charged me {$3.00} leaving my bank in the negative. I tried again to set up an online account as I am home bound at this time. Once again, it could not process my request. I then called XXXX atXXXX XXXX XXXX. She s the person I set up my account with. Once again rude unhelpful people calling me honey sweetie etc. and still no help. I then called XXXX at the XXXX office XXXX XXXX XXXX and told him I wanted to close the account to which he replied you have to come in to do that because you have a negative balance of {$3.00} ... I told him I was unable to come in and he said that he could not close my account. At this point I was so frustrated and angry I yelled CLOSE MY ACCOUNT NOW! I detest this bank and their rude unprofessional unhelpful customer service. Can you please help me to close this account. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25 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: GA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT ARE NOT MINE AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-10-25 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Someone used my identity in XXXX on XX/XX/2019 to open a leasing account with ACIMA credit. This fraudulent account is now reporting on my credit report as a collection account in the amount of {$3400.00}. I called ACIMA credit about this account and let them know it was not my account. They told me to submit a police report to XXXX. I have not received a response or correction to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX a charge of {$760.00} was fraudulently made on my USAA Bank credit card. I had not used this card since XXXX and did not realize that it had been used until I began receiving collection calls in XX/XX/XXXX. On XX/XX/XXXX I called USAA Bank, found out about the charge, and made it clear that this was a fraudulent transaction. I was told that the this would be taken care of. Nothing happened and collection calls and letters continued. I have called again a number of times, have spoken to about 15 agents over the course of approximately 5 hours. I have been told several times that the charge would be taken care of several times. As a result of the XX/XX/XXXX call there was a credit of {$790.00} applied to the account. However, this did not cover all of the interest and fees, and collection calls and letters have continued. On XX/XX/XXXX I sent a registered letter to USAA Bank in the hope that they would respond to a mailed dispute ( copy attached ). Again, nothing happened and I recently received a letter from USAA that they intend to send the account to a collection agency.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: TX

Complaint narrative:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
Pacific Credit Exchange, is reporting paid off closed account on my credit report, the payment status show past due amount {$6900.00}. Pacific Credit Exchange changed the Collection opened date XX/XX/XXXX the open date showing now XX/XX/XXXX generated report date XX/XX/XXXX showing on my XXXX credit report. Pacific Credit Exchange balance was showing {$6000.00} date XX/XX/XXXX now show {$6900.00} date XX/XX/XXXX unauthorized payment these or violations. Pacific Credit Exchange is reporting a incorrect address on my credit report, showing XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX I notify, Pacific Credit Exchange about the change and forwarded it to the post official date XX/XX/XXXX I have attached a copy of my report with the accounts in question circled.

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 2021-10-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX. In late XXXX of XXXX my Chase credit card was fraudulently billed 289 separate charges ( plus foreign fees ) with approx total {$4800.00} by XXXX XXXX, XXXX. I called the Chase fraud phone XX/XX/XXXX to dispute these charges. The customer service rep removed the charges and issued me a new credit card. I thought the matter was closed. 

The fraudulent charges were reapplied to my new card XXXX statement. I called Chase again to dispute the charges and they said these XXXX charges were valid because I overlooked {$9.00} in XXXX charges in XX/XX/XXXX. I did dispute the XXXX charges immediately after seeing them on my bill. Does Chase mean if a customer misses a fraudulent charge from a company they are liable for any amount billed in the future from the same company? I am also disputing {$63.00} fraudulent charges from XXXX ( XX/XX/XXXX - XX/XX/XXXX ). I dont even have a XXXX app. 

I called Chase credit fraud department many times for 2 months to resolve this matter. Each time I was passed around. I have received 2 letters dated XX/XX/XXXX and XX/XX/XXXX from Chase saying the charges are valid. The agents I spoke with would not provide an email and a direct phone line. Most would not even give me their last name. How can I follow up with them? Below is a list of only some of the calls I made and the reps I spoke with : XXXX XXXX XX/XX/XXXX said he who investigate and get back to me in 3 to 5 days. He never called back. 

XXXX said XX/XX/XXXX the charges were valid. 

Talked to XXXX XX/XX/XXXX, said he will reopen investigation. XXXX called me Monday XX/XX/XXXX and told me that the all disputed XXXX are not valid. He also assured me the charges would be removed from my account by XX/XX/XXXX or XX/XX/XXXX at the latest. Today XX/XX/XXXX XXXX charges are still on my account and have not been credited. 

I sent a certified letter XX/XX/XXXX to Chase Credit Card department disputing these charges, with statements with of all the fraudulent XXXX and XXXX charges highlighted. According to the XXXX tracking it was delivered on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25 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: GA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: TX

Complaint narrative:
I left school and contacted Fed loan servicing by phone to set up a payment arrangement. We agreed on a payment on the XXXX of that month. Before the XXXX came I received 11 late pays on my credit reports. I contacted them back and even was paying on time and they wont remove the 11 late pays. If I wouldve known that was going to happen I wouldve paid the day I talked to them on the phone instead of waiting for the payment date they set up! All I want is the 11 late pays removed of my credit reports. They say I missed 1 payment. But they have it split into 11 accounts. I would like these removed please. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have tried multiple times to have this collection removed from my account as it has been settled and paid with the creditor. 

Under the FCRA Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

This is inaccurate reporting and thus needs to be removed from all credit reporting agencies, XXXX, XXXX and XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
Citizen One bank ( Citizens Bank ) opened two fraudulent lines of credit in my name. 

I discovered the first line of credit on XXXX and contacted the bank. I had to explicitly request that they check if other lines of credit had been opened in my name, at which point I was informed that there was a second line of credit in my name. It took them over more than seven business days for them to send an automated email with instructions on how to submit a dispute. There is no way to contact the ID Theft Department directly -- I am forced to go through the regular customer service line ( they indicated that this was because of volume -- they just didn't have enough people to answer all their identity theft related calls ). The email they provided would not accept attachments -- even though this is the way they instruct you to submit your dispute materials ( I zipped and reduced the size of the files, and I tried from two different computers and two different browsers -- no luck ). They have yet to acknowledge receipt of my dispute packet, and I am unable to get through to any human being able to confirm anything related to the process. They also disputed my credit dispute with XXXX -- telling them it was accurate. 

I am appalled how little responsibility this bank has to address the problem. I am appalled that they allowed these two lines of credit to be opened in my name -- anyone actually reviewing my credit history ( excellent ) would have easily seen that I did not require two different microloans for two XXXX. As a consumer, I have been left with no way to get this problems fixed -- I am wholly at the mercy of this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX I opened a checking account online at Citibank because they are close to where I live and I was behind on rent and my Management company was requiring a cashiers check. I deposited {$4900.00} on XXXX cash in the branch, which was to go to the nearly {$9000.00} I needed to pay toward back rent. On XXXX I initiated a bank transfer to Citibank For {$5000.00} from XXXX  XXXX XXXX. I was going to go to the branch on XXXX to get the cashiers check and the morning of XXXX, Citibank blocked my account and said they would close my account within 60 days and issue a check. I have no funds and just was hospitalized with XXXX  XXXX. Please help. 
I have nothing to live on and have to have a place to 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 monetary relief
Consumer complaint received 2021-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 explanation