vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a Citi Diamond preferred credit card that has three fraudulent charges made in XXXX. The first was on XXXX to XXXX in Ohio, for {$730.00}. The statement shows a phone # XXXX as XXXX. The second charge was on XXXX to XXXX XXXX XXXX for {$150.00}. The last charge was again to XXXX for {$210.00}. 
I have called Citi Cards twice to dispute this, and sent them a letter. I received a letter date XX/XX/12 that said they tried to contact me for further information but because they could not reach me they closed the investigation into the charges. This is a lie, I have been checking my emails every day and have not seen a request for more information. 

I do not use either of these companies. I live in Georgia and XXXX is in the mid west.

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 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Before I start this complaint, as I have stated to PNC representatives, I have no problem paying overdraft fees if I present a transaction at the time of purchase and the funds are negative. On XX/XX/XXXX, the account available balance was XXXX cents ; however, to my surprise on XX/XX/XXXX, I was charged two overdraft fees of {$36.00} for an available balance of XXXX. I used my debit card for these transactions and at the the time of transaction, funds were available and had a positive balance. With this being a new account and one direct deposit on the account, if I had a negative balance on the account, the transaction would have rejected. I spoke to a Retail Support Manager and I explained and he confirmed - if I have opted out of coverage - the transactions would have gone through and fees wouldn't be assessed. Since I opted in, fees were assessed. If I had a positive balance when I swiped my cards, what service was used for me to occur overdraft fees in the amount {$72.00}. 

Also, the mobile app currently says that I could overdraft {$89.00} from XX/XX/XXXX to XX/XX/XXXX ; however, this amount has been processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
2 weeks ago ( plus/minus ) I requested my 3 annual credit reports. both XXXX and XXXX sent me my reports. transunion sent me a postcard requesting documents that I do not readily have, can they do this when the other 2 did not? and if not what can you 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 non-monetary relief
Consumer complaint received 2021-05-18 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have 4 student loans with Nelnet. Nelnet is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted Nelnet and wrote letters regrading the issue and they have yet to remove the 2 late payments from 2017 and 2019. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave Nelnet written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate.

Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave Nelnet any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: DISCOVER BANK
State: AR

Complaint narrative:
An investigation was done falsely verifying the fraud on my discover card made several attempts to call and correct error. Have been discriminated against and hung up on and also being charged interest daily on fraud charges on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
On XX/XX/2021 I made a Principle Payment Only of {$250.00} towards my account balance. 2 days after my normal payment was taken out and processed. I've done this before and familiar with the 72 hrs it may take to show on the account ledger. It's now XX/XX/2021 and the ledger still reads normal payment of {$250.00}. I'm charged a daily interest rate on my Principle Balance which is NOT accurate as of XX/XX/2021. This company is stealing money from me. I have called 3 times as well as sent emails and even talked to 3 different reps who've claimed to submitt tickets for the change. I'm doing my part and paying my bills during this pandemic the least they could do is process my payments accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Shellpoint Partners, LLC
State: OH

Complaint narrative:
This is in regards to a mortgage with NewRez Shellpoint Mortgage Servicing. I had filed for divorce in XXXX of XXXX during the court hearing payments were to be made in a timely fashion by my ex-husband. He knowingly made two late payments in XXXX XXXX and XX/XX/XXXX. He was on the deed at this time. XX/XX/XXXX divorce is final and now I am stuck with the negative reporting on my credit. This needs to be removed as I have never been late and payments are ahead two months. This should be recorded on his credit not mine due to court orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: NC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have 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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
To whom it May concern. 
This is the second or third time that I have contacted you to tell you that the account you are trying to collect from me is not mine. my identity was stolen i never applied for XXXX  nor gave authorization to anyone to open an account using my identity i need them to send me proof that the account is mine. I repeat, my information was stolen, I will not pay for a debt that is not mine. I want to see a copy of my license, my signature and the day the contract between XXXX  and the person who opened the account was made

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 2021-05-18 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: FL

Complaint narrative:
On XX/XX/2021 I reached out to Experian to attain the results of my dispute submitted on XX/XX/2021. I spoke to a representative around XXXX who informed me that they did not investigate my dispute and that their company does not investigate.

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 2021-05-18 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
The account has been settled and paid in full but it's still reporting as UNPAID.

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 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Applied for a Wells Fargo Credit Product and have not received a response. I took the hit to my score via credit inquiry. I never got a reference number and the only way I could check the status is calling some number I found offsite. Kept telling me someone is reviewing the application.

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 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello. 

I am from XXXX and i have my paypal account from 20 years and never violated paypal aceptable policy. 
Now paypal says i violated a policy, not saying which, denying to specify and stole my balance and banned me. 

I am pretty sure i didnt made an illegal move, and they refuse to say why and just took off my balance. 

I consider this stealing and i need protection. 

Is there something i can do or can u refer me to the place i need to file a complain so they dont steal me or others? 

I am 100 % sure i didnt violated a policy. I dont mind being kicked off paypal, but they cant keep MY money. 
They made a " transfer '' from my balance " to paypal '' to cover damages they say. but i didnt autoriced or informed what i violated. 


Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Today is XX/XX/2021. I mailed out letters to XXXXx, Transunion and XXXX on XX/XX/2021 about inaccurate information reporting on my consumer report. I have not received any response and its been over 60 days and thats a Violation. Also, XXXX, Transunion, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 60 days.

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 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
contacted Credit Card Company like Capital One account balance was XXXX but due to late fees it is in collections for XXXX. I contacted Capital One back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card account without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court. Capital One actually filed a small claims complaint that i was unable to attend due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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:
GOOD AFTERNOON, I WOULD LIKE TO EXPRESS AN IMMENSE AMOUNT OF CONCERN REGARDING THE XXXX VACATION ACCOUNT THAT IS CURRENTLY REPORTING ON MY CREDIT REPORTS : EQUIFAX AND XXXX. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO RECTIFY THIS ERROR SINCE XXXX OF 2020. NOTHING HAD BEEN DONE BY NEITHER CREDIT BUREAUS, NO ACTION HAS TAKEN PLACE TO THIS MATTER. I DEMAND TO KNOW WHY THEY HAVEN'T BEEN ABLE TO REMOVE THE NEGATIVE ACCOUNT, I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. PLEASE HELP ME WITH THIS MATTER IN ORDER TO RESOLVE THIS ISSUE ... .I GREATLY APPRECIATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check on Sunday, XX/XX/2021 for the amount of {$4100.00}. I reached out to Chase Bank customer service on Sunday, XX/XX/2021 to see when my deposited check would be available. The customer service representative told me my funds would be available by XXXX on Tuesday, XXXX XXXX. Later that day, I received an automated message from Chase Bank saying my deposited funds wouldn't be available until XX/XX/2021. I called Chase Bank customer service to ask why. All they told me was that they have a hold for 10 days on the check. I went to the Chase Bank by my house to get more clarification and spoke with a branch manager, XXXX XXXX. She told me my check would be on hold for 10 days so they can make sure it was legit and that it was me who deposited the check. I asked if there was anything I can do to expedite this, and she said no. I deposited another check to my account on Tuesday morning, XX/XX/2021, and the funds were available right away. I don't understand why they are holding the check. My account is currently overdrawn, and I let her know that and that I needed the funds to be deposited. She told me there was nothing she could do about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX Midland Funding XXXX. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 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: QUALITY ACCEPTANCE LLC
State: OH

Complaint narrative:
I have contacted the credit bureaus in the creditors on numerous occasions, dates listed below : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX  Quality XXXX XXXX XXXX XXXX This account is being reported wrong it is showing a XXXX balance The last reported dates don't match, Comments : XXXX reporting Closed ; XXXX- no status ; XXXX- closed or paid/XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I am not the insurance policy holder that was my ex husband. I have no knowledge of this bill or any notification of ever having a bill. Further more it was ruled that this is now his debt.

Company response to consumer: Closed with non-monetary relief