vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Pursuant public law Best Buy Citi Bank failed to provide a 45 days notice regarding the decrease credit limit and hasn't disclosure the minimum payment payoff pursuant to the Card Act. See 15 USC 1602 ( k ) ; 15 USC 1602 ( j ) ; and 15 USC 1602 ( b ) TITLE ICONSUMER PROTECTION SEC. 101. PROTECTION OF CREDIT CARDHOLDERS. 
( a ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED. 
( 1 ) AMENDMENT TO TILA.Section 127 of the Truth in Lending Act ( 15 U.S.C. 1637 ) is amended by adding at the end the following : ( i ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED. 
( 1 ) ADVANCE NOTICE OF INCREASE IN INTEREST RATE REQUIRED.In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of an increase in an annual percentage rate ( except in the case of an increase described in paragraph ( 1 ), ( 2 ), or ( 3 ) of section 171 ( b ) ) not later than 45 days prior to the effective date of the increase.

( 2 ) ADVANCE NOTICE OF OTHER SIGNIFICANT CHANGES REQUIRED.In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of any significant change, as determined by rule of the Board, in the terms ( including an increase in any fee or finance charge, other than as provided in paragraph ( 1 ) ) of the cardholder agreement between the creditor and the obligor, not later than 45 days prior to the effective date of the change. 
( 3 ) NOTICE OF RIGHT TO CANCEL.Each notice required by paragraph ( 1 ) or ( 2 ) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account pursuant to rules established by the Board before the effective date of the subject rate increase or other change. 
( 4 ) RULE OF CONSTRUCTION.Closure or cancellation of an account by the obligor shall not constitute a default under an existing cardholder agreement, and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor than one of the methods described in section 171 ( c ) ( 2 ), or the imposition of any other penalty or fee.. 
( 2 ) EFFECTIVE DATE.Notwithstanding section 3, section 127 ( i ) of the Truth in Lending Act, as added by this subsection, shall become effective 90 days after the date of enactment of this Act. 
( b ) RETROACTIVE INCREASE AND UNIVERSAL DEFAULT PROHIB- ITED.Chapter 4 of the Truth in Lending Act ( 15 U.S.C. 1666 et seq. ) is amended ( 1 ) by redesignating section 171 as section 173 ; and ( 2 ) by inserting after section 170 the following :

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 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: MD

Complaint narrative:
I sent a certified letter to LJ Ross on XX/XX/XXXX request validation of a debt they have listed on my credit report. LJ Ross received the letter on XX/XX/XXXX. To this day, I have not received any information validating the debt, and they continue debt collection practices by reporting it on my credit. According to what I read on the CFPB 's website, they should not be reporting anything that they have not validated. Also, it has been longer than 30 days since I requested proof of the debt. I have not received anything. 

This has been very damaging to my credibility and has limited my ability to obtain better financing a terms with other companies. Please investigate to have this information removed and collection actions stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried several times to get my free credit report from Equifax online through annualcreditreport.com and the website keeps saying the report undeliverable online. 

Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Alantic Bank which is formally known as XXXX XXXX XXXX has inaccurately reported incorrect information on my credit report and now my credit score went from XXXX to XXXX with high credit usage. And late payments now I have already tried multiple times to close my account and contacted them about this inaccurate illegal reporting inaccurate information and reporting of information that had impacted my credit and has impacted me financial and harmful to being able to get accepted for a home for me and my family therefore not able to get a home almost homeless because of thier actions and inaccurately information they are reporting and still reporting even after I have contacted them and told them yet again to close my account because I have not agreed upon having it open I have closed the account several times already. And this company is not following any laws or regulations and going against my civil rights and withholding my funds and it's a secured account no credit it's all my own money in my account therefore by law no reason to not do what is requested by the fundee and obey my civil rights and request for closing my account that is still open without my consent against my rights and obligation to make me pay for this account that is now fraudulently reporting false information on my credit report and still active and open yet not available to use. Ignoring my messages and calls. Won't respond and opening different accounts on my credit report and under my name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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:
I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Best Buy has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act.

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 2021-02-28 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: OH

Complaint narrative:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2021-02-28 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: OH

Complaint narrative:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi Bank has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act.

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 2021-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
From early XX/XX/XXXX it finally became evidence that my wife and I were defrauded by a clone company XXXX XXXX. The criminality was confirmed through the XXXX reserve banks formal warning and also through communication in Early XX/XX/XXXX with a legitimate director ( who refuted clone company emails and information ) thus providing me with the information that in fact we had been defrauded through a sophisticated criminal enterprise ( taking on the identity of a legitimate company ).. 
In XX/XX/XXXX as first step we invested in a small amount USD XXXX proposed for an equity purchase of XXXX to which we went ahead ( based on the clone XXXX XXXX remittance that as provided ) which in turn created the first transfer through to their US account ( held by JP Morgan Chase Bank / receiver entity in XXXX XXXX XXXX?? 

Steps XX/XX/XXXX sort recovery of the USD XXXX funds that I wired ( per attached Wire copy ) to XXXX XXXX XXXX XXXX or a fraud entities JP Morgan Chase Account Details Receiver entity XXXX XXXX XXXX XXXX ( as a receiving entity for a Fraud scheme by XXXX XXXX that was a clone company not legitimate ) may also be fraudulent I tried to email XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on two emails on their site ( XXXX and XXXX ) but both bounced? 

Then a call to JP Morgan Chase USA for our Funds to be returned on in XX/XX/XXXX ( to JP Morgan chase and this was from a phone call ( to which customer service told us this was their method of complaining ) this process has been ignored as JP Morgan chase will only be motivated to act with a Court Subpoena Late XX/XX/XXXX posed JP Morgan Chase a Dispute letter with evidence. 
Also of note relating to the larger payment USD XXXXXXXX payment made to the XXXX XXXX Fraud Scam was a fraudulent letter provided by US company XXXX XXXX XXXX XXXX XXXX XXXXl that let me to believe the larger payment was supported by XXXX XXXX XXXX ( as the customer in this transaction ) I am attempting to recover the losses and would also like to know if the CFPB can assist through any insurance / indemnity funds in the US as well as recover the bank transfer ( USD XXXX to JP Morgan Chase )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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:
I sent a Certified Dispute LetteXXXX to Equifax XXXX XXXX # XXXX XXXX and it was received on XXXX XXXX XXXX XXXX days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a Certified XXXXispute Letter to Transunion XXXX XXXX # XXXX XXXX and it was received on XXXX XXXX XXXX XXXX days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PACIFIC WESTERN BANK
State: NC

Complaint narrative:
I requested a withdrawal payment from XXXX on XX/XX/XXXX for {$600.00} and Pacific Western Bank drafted the check on XX/XX/XXXX according to the check date. However, I didn't receive the check in the mail until XX/XX/XXXX, 2 weeks later. Pacific Western Bank seems to purposely either holding the funds back or is not able to keep up with the customer demand from XXXX which profits both XXXX and Pacific Western Bank as the customers need to deposit more funds to " play '' over a 2 week period without access to previous winnings. This practice is unlawful and deceptive and only benefits XXXX and Pacific Western Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is a hard inquiry on my Experian report from XXXX on XX/XX/2020. I did not authorize this. I did not move or apply for any new apartments in 2020. There is no online mechanism to dispute this on Experian. There was another unauthorized pull of my credit on my XXXX report for a XXXX credit card that I similarly did not apply for around the same time. Suspect identity theft.

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 2021-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The auto loan was started XX/XX/XXXX the auto was totaled in XXXX XXXX in XX/XX/XXXX payments were made XXXX a month for XXXX months to XXXX during the time of having truck - XXXX XXXX and XXXX {$24000.00} ( waiting on statement from XXXX XXXX on the loan to XXXX and I also did not get refunded for all the warranty side purchase on the loan of XXXX for a service contract service contract XXXX for theft protection. I verified with XXXX that this extra warranty purchase on the truck was refunded to XXXX with my salesman XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. XXXX was paid more during the 6 months I had the truck than the original loan amount on XX/XX/XXXX. There is no prepayment penalty for my loan verify with consumer XXXX is paid in full and Im waiting on reimbursement on my warranty that they took on the loan provided by XXXX and the during of six months considering the loan was only XXXX and theyre still trying to get XXXX 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 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I advised SYNCHRONY BANK XXXX XXXX. XXXX XXXXXXXX XXXX, FL XXXX that the introductory offer of XXXX XXXX ends on XX/XX/XXXX, NOT on XX/XX/XXXX as printed on the statement I sent a letter on XX/XX/XXXX. I called your customer service on XX/XX/XXXX to point out the error. The digital letter I received does not address the reason for my phone call, i.e., the incorrect end of promotional APR printed on my statement. 
I sent a second letter on XX/XX/XXXX because an interest charge of {$63.00} was assessed on my statement ending XX/XX/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 monetary relief
Consumer complaint received 2021-02-28 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: OH

Complaint narrative:
I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : 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 explanation