vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
XX/XX/2020 I received a Debit Visa from US Bank Cardholder Services, XXXX XXXX XXXX, XXXX, IN XXXX. The paperwork that was included with the card provides a fee schedule for the Colorado Department of Labor and Employment and a pamphlet stating U.S. Bank ReliaCard Your reliable choice to receive your government disbursements. I am not unemployed and have not applied for these benefits. 

I have attempted to contact their Cardholder Services, but they are not available until Monday, EST. 

Please investigate this as fraud and provide a response to my inquiry.

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 2020-11-14 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: MS

Complaint narrative:
On XX/XX/2020, I sent a letter stating that I had pulled my credit report and noticed errors that were reported by the company. I asked the bureau to investigate and send me an updated copy once their investigation was complete. I received no response and it is 3 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: PA

Complaint narrative:
on XX/XX/2020 I sent off three letters to the credit bureaus, one to transunion, one to XXXX, and one to XXXX by certified mail to dispute items on my credit report. The letters were received XX/XX/2020 by XXXX and transunion, XXXX received their letter on XX/XX/2020. The fair credit reporting act states that they have 30 days to complete an investigation or else the items are supposed to be removed. I received no response from them at all, after the 30 days was up and not receiving a response from them I sent another letter to them following up on my first letter, still no response from them in any way. I cant even get a representative on the phone to talk to, I'm very frustrated because these companies are taking advantage of the consumers.

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 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Report # XXXX for XX/XX/20 shows 3 incorrect addresses which have never been my residence, a social security number variation and a primary telephone number that is not and has never belonged to me in addition this report does not reflect my current employer of 3+ years.

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 2020-11-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-11-14 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: MS

Complaint narrative:
on XX/XX/2020, i mailed transunion a letter because i saw inaccuracies on my credit report. I asked them to verify the account as I read that they are required to do so by law. it has 3 months and I still haven't received any correspondence from them.

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 2020-11-14 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX 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
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lakeside Recovery Solutions
State: GA

Complaint narrative:
On XX/XX/XXXX I was first contacted by XXXX XXXX of Lakeside Recovery Solutions by a threatening phone call about collecting a debt. I was threatened with garnished wages and told I had to act fast to avoid being taken to court for this. I requested information to be sent to prove the validity of the debt and was instead sent the original rental purchase agreement and skip tracing. On the same date, I responded via e-mail as well as certified mail formally disputing the debt and requesting the original credit application, financial account of the debt including all payments made and any other fees or charges added to the balance, copies of any correspondence sent and any other documents pertaining to the debt. I had also requested to be contacted only but mail or e-mail. I had not heard back. Over a year later on XX/XX/XXXX my boyfriend and I were left voicemails from a XXXX XXXX of the same agency. In these voicemails to myself and the third party, they left my name, address, gave information stating it was about a breeched contract matter under legal review against my name and social security number, and then left a file number to reference this complaint. He also contacted my mother and actually spoke with her on the matter, giving away personal information. When I spoke to someone from the agency, I had brought up the previous dispute and they claimed to have just bought the account and had no knowledge or history of it- even though it was the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America was suppose to have set my account to pay all outstanding checks and debit card transactions as long as the balance did not fall below {$200.00}

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 2020-11-14 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter to Experian about inaccurate accounts that they had listed on my credit report. They were asked to verify the account as required by the FCRA. However, it has been three months and I have not received a response and I know this is past the time allowed by the FCRA.

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 2020-11-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent letter over 45 days ago to this bureau and still have not gotten a resolution. The bureau is disregarding a regular consumer 's dispute. My credit is really holding me back right about now. Please help a brother out.

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 2020-11-14 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: MS

Complaint narrative:
on XX/XX/2020, i mailed transunion a letter asking them to verify some accounts on my credit report becasue I noticed errors on my credit report after ordering a copy. I waited but didn't receive a response so on XX/XX/2020, i sent them another letter letting them know they didn't respond. I still have not received a response from them and it has been 3 months since I sent the first letter with no response received yet.

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 2020-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a call claiming I owed {$200.00} for a gym membership debt with XXXX XXXX in XXXX IL with an account number of XXXX. I live in XXXX Washington and have never had a gym membership with XXXX XXXX or ever been to XXXX, IL. On XX/XX/XXXX, I received a letter/bill demanding payment from First Credit Services in XXXX, IL. I called their number to let them know that I've never had this account. Their representative claimed the account was opened in XX/XX/XXXX. I XXXX  XXXX XXXX XXXX Illinois during the call, and that search revealed that the company went out of business in XX/XX/XXXX, more than 2 years before my supposed contract date. I believe I am a victim of either identity theft or the target of a scam by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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:
I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was away from my main home and living in XXXX XXXX due to COVID-19 local government lockdowns, thus I did not receive any paper statements regarding my {$100.00} balance owed and was completely unaware of this purchase. 
After lockdown easing, I returned home and immediately after seeing a pile of Macys statements. I called Macys to resolve this issue. 
I paid off the balance via a last minute offer made by an agent who stated once the payment is made, the negative items on my credit report will be removed. 

I was told by several Macys representatives that if I pay my balance that the negative items reported on my credit report would be removed. However it was never removed as promised. I was then transferred to several different agents. After making the payment, they stated that they no longer have access to my account, and can not make any modification. And told me that Im unable to speak with the macys credit report department, and I must write a letter instead. 

I wrote a letter, and called to speak with Macys executive office. I spoke to a gentleman who denied my request to have these negative information removed. 

He did not list specific reasons, only that it was denied. I pressed for a reason and was not given any to understand why it was denied.

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 2020-11-14 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: NY

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-11-14 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/2020 I 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 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation 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 2020-11-14 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:
I sent letter over 45 days ago to this bureau and still have not gotten a resolution. The bureau is disregarding a regular consumer 's dispute. My credit is really holding me back right about now. Please help a brother out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-11-14 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: IL

Complaint narrative:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-11-14 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
on XX/XX/2020, I mailed experian a letter requesting that they verify inaccurate accounts listed on my credit report by their company. I received no response so on XX/XX/2020, I mailed them another letter notifying them that I still hadn't received a response.

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 2020-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The Company Did Not Resolved the Matter Plus i Mail a Letter To Capital One Requesting them to Add the Information about this closed account Back the the Credit Report and Capital One Denied to Fix This Matter and This Account is Not Being Reported to XXXX  and i contacted XXXX  and they told me to contact Capital One To Fix the Problem with the Closed account not Showing on My Credit Report. 

The Company Did Not Resolved the Matter and Denied the Request and also the Account is not Being Reported to XXXX  i Contact The Credit Report Agency and they adviced me to contact Capital One and Notified them that there is No Closed Account Being Reported to the Credit Report Agency Dear For i Will Not Continue Make Payment Until this Account is being reported to XXXX  The Company Did Not Fix The Problem with My Credit Report with XXXX  and this account is still missing from my XXXX Credit Report and Capital one did not Resolved any inquires about this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2020, I was billed by XXXX XXXX for a premium seat, in the amount of {$450.00}. This was charged to my Capital One credit card. 

On XX/XX/2020, I paid {$450.00}. ( Since XX/XX/2020, Capital One has repeatedly credited and charged my account for the same amount. ) On XX/XX/2020, I received a refund from Capital One in the amount of {$450.00} because I did not receive the services from XXXX XXXX. XXXX XXXX cancelled the flight. 

On XX/XX/2020, I am being rebilled for {$450.00}. I owe nothing. How can Capital One charge my account for services not received??

Company response to consumer: Closed with monetary relief