vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There is a fraudulent XXXX XXXX XXXX lease on my credit reports. XXXX XXXX XXXX is a criminal organization. The number of complaints against XXXX XXXX XXXX are unfathomable. The lengths to which the XXXX XXXX XXXX criminal enterprise will go to defraud consumers is truly astonishing. According to several reports XXXX XXXX XXXX has even been caught FORGING SIGNATURES ON LEASES AND LOANS. I fought XXXX XXXX XXXX since 2013. THIS DEBT IS OLDER THAN SEVEN YEARS AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND THE IMMEDIATE REMOVAL OF ALL INSTANCES OF XXXX XXXX  XXXX FROM ALL OF MY CREDIT REPORTS. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I believe I've been a victim of identity fraud and have had $ $ sucked out of my account over the past year and due to COVID19 issues, have had toime to reconcile my accounts to discover this problem totalling {$4000.00} in charges.. 

Yes BOA disputed the charges, cancelled my card & got a new card coming to me via next day air ; but they've got my $ $ hostage and refuse to return the balance until 90 day investigation occurs?? 

You will see on the attached .pdf XXXX XXXX " XXXX '' shows my information is on the XXXX, and multiple entries of my email password compromise ... That email is primarily used on my windows computer, where it stores my CC info ... etc I believe the ID theft was a hack on that laptop.. 

I also see when there are delinquent accounts and also multiple conflicts I was having with my CC companies ... They refused to acknowledge i wasn't making these charges which was within the calendar where the first XXXX entry occurs..

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had a XXXX credit card for about 20 years. Approx. 4-5 years ago the interest rate for this card was reduced by XXXX to 8.99 % APR. Because of this, this card is one of 2 cards I use as my primary cards. 
XXXX accounts were purchased by Comenity Bank in XXXX XXXX, Texas effective in XXXX, XXXX. The interest rate continued at 8.99 %. Today I received notice from Comenity Bank that my interest rate was being increased to 15.49 % effective XX/XX/XXXX and this new rate applies to existing balances as well as new purchases. I contacted the bank to inquire why my interest rate was nearly doubling and was told this was a company wide policy change. I questioned if this was legal under the banking regulations and was advised by this person that they did not know. The person advised that they could put me in for an interest reduction but not before the new interest rate went into effect. I commented that there was no guarantee that the interest rate would be reduced. I further commented that I know that banks are having some difficulty alluding to that perhaps this was done because so many persons were defaulting on loans. I suggested that perhaps if the bank was having a problem and needed to increase the rate by a percent or two and give consumers adequate notice and written reasons for the increase, that perhaps it would be more acceptable but for the bank to just up and do this to probably thousands and thousands of people was unfair and just plain greed. I informed the person at the bank that I was not going to stand for this and I was contacting federal banking regulators. I told the person that this bank would never see any more of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report US XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report US XXXX CT GA XXXX Public Record REF # XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX / XXXX XXXX XXXX continuously report inaccurate information to the credit bureaus for a credit card that I am joint owner on. I have disputed this account with all three credit bureaus, and while two of the three bureaus deleted the account from my report, Transunion continue to report this inaccurate information. I disputed this account twice with Transunion, and they failed to do their due diligence to ensure the legitimacy of the information reported. They reported back that the information is accurate as report, but that is NOT true! 

According to Transunion and XXXX, 60 % of the payments were 30-59 days past due with the first past due payment being reported in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The card was charged in XX/XX/XXXX. The first bill was due in XX/XX/XXXX. Someone please explain to me how the account could be 30-59 days past due on the first bill? 

Below is a payment history the life of the card ( bank statements verification available upon request ) : XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$440.00} XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$200.00} As you can see, regular monthly payments have been made since this account was opened ; however, Transunion shows the account was 30-59 days delinquent in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Likewise, as of today, XX/XX/XXXX, Transunion shows the account is currently 30 days past due. Needless to say, that is inaccurate! 

The joint owner on the card called XXXX repeatedly for failure to apply payments to the account. When this first came to my attention the account was reporting to the credit bureaus as being over 90 days delinquent. After calling the company, it was discovered they were not applying the payments correctly, although the funds were being drafted from our bank account. 

Both Transunion and XXXX  are providing false information that is having a negative impact to my credit score. I have tried to resolve this with both XXXX and Transunion but have not gotten anywhere with either company. The joint owner on this account was successful with getting the account updated with Transunion ; however, they refuse to update mine. This is unacceptable!

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 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
I transferred funds to my bank account and was charged {$2.00} for my first time transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: TX

Complaint narrative:
Use of card on XX/XX/20 and XX/XX/20.tried to report card lost/ stolen and sufficient information given in regards to how to have a account remains on card or weather or not my Social Security Durability amount being direct deposit to XXXX ( netspend ) account.i have tried to understand why i was given two cards which account was tied together and have had tremendous difficulty stopping charges and the blockade of both cards..it is understood that sufficient information was not given as to how to attain balance and direct deposit and weather or not cards have been issued and was hung up on after waiting twice..1 ) 45 minutes ) 2..over 2 hours without suitable resolution.

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 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE BEEN DEALING WITH THIS ACCOUNT FOR SOME TIME NOW THAT IS NOT MY ACCOUNT ASKING THESE COMPANYS TO REMOVE IT FROM MY CREDIT REPORT BUT THEY HAVE YET TO REMOVE IT

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 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I have sent a dispute letter to Blakely-Witt & Associates around XX/XX/XXXX and they never responded and never provided verification of debt owed and now they have added another which is over {$4000.00} as my credit monitoring system just notified me. They also never sent me any letter via mail stating I owed any debt, instead it is just added to my credit reports causing my score to drop again which has caused me to be unable to be approved for an apartment so I had to move in with family. I also did not receive a right to dispute letter from this company from either collections they have placed on my credit in XXXX and now XXXX. When I request written documents verifying this account is mine neither the credit bureaus nor the collection agency have provided any proff which is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Please help me! My card has been down for five days. I can not use it for instore purchase for food, or even online, or to withdraw cash! I have spent over ten hrs on hold in the last three days, and today their website is down!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of Americas website, mobile app and customer support are all down when attempting to activate my XXXX card. They are telling me it's the wrong information but the information is correct and I'm unable to activate my card because of it. They are telling customers via XXXX their website isnt down but its actually not true and they're misleading their customers in this way. When you call into customer service, they transfer you to card activation which responds with " this person has a voice mailbox that has not been setup yet, good bye. '' They are XXXX peoples livelihoods and could care less.

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 2020-04-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX , XXXX Last reported XX/XX/2020 {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is a complaint against NORDSTROM. The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was furloughed due to the Covid-19 pandemic. My credit card account went slightly over the account 's limit. Despite not having a job, I went online and paid enough to bring the account under the credit limit but do not have enough funds to make full payments in the next few months so I've applied for a Covid-19 deferment. I thought credit card companies were not going to engage in negative credit reporting and/or charge fees during this time ; however, Citi reported me to the credit reporting agencies as being over the credit account limit and my credit score dropped dramatically. I would like this negative reporting removed.

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 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
DEBT WAS NEVER MY DEBT I NEVER APPLIED FOR THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I got a discover it student card then applied for the discover chrome card got approved. They then closed my student card account with % 100 on time payment and a FICO score of XXXX. Also they closed the chrome discover it card. They have two closed accounts with discover and was wrongfully done. I would like the closed accounts not be on my credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was solicited by an XXXX XXXX XXXX employee to find promotional offers to lower my monthly phone and internet bills by someone who was going door to door. She was apparently a 3rd party vendor with access to XXXX & XXXX client information. She was able to view my accounts and make changes/order new services to my phone and internet account. Without authorization or my knowledge, the rep ordered additional services under my name which would later be reported to my social security number where I received two unauthorized credit inquiries. The rep said they would simply cancel the order after I told her I didnt want or need that. 

After speaking with XXXX XXXX XXXX they looked at the drivers license on file used to order and it was not even my drivers license number. The rep apparently put down bogus information along with my real info like my name and address, which I did provide. I never gave my social or authorization to run my credit nor order any services at all. The XXXX XXXX XXXX customer service agent said it did look like it was fraud and submitted a request to remove the inquiries on my credit and canceled all orders pending from that rep. According to them it would take 60-90 days and I have not seen any changes or have heard from anyone about any solutions. Both the fraud and the request to remove the inquiries by XXXX XXXX XXXX were done in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I contacted Capital One about a card being declined. Mind you, I waited on hold for 90 minutes just to get through. They said they had no record of the transaction being processed so it was most likely on the merchant 's end. I asked for proof of that so I could prove to the merchant that my bank had cleared the transaction. I had the rep spell out his name on the call, XXXX and his ID was XXXX. He told me an email with verification was coming soon. I told him I was checking and to wait while I checked my inbox. The call disconnected. After waiting all that time, the rep hung up on me in the middle of verifying he did as I asked ...? I was dumbfounded. 

I called my phone company, and tech support confirmed that the call was dropped on the bank 's end. As of now, a few hours later, no email. Was the representative fraud? Why was I treated this way?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, Equifax, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX/XXXX  ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX, XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.

Company response to consumer: Closed with explanation