vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have Citicard and in XXXX I decided to use my total cash reward payment towards my monthly payment. Under Redeem Now the options are : convert to points, statement credit, direct deposit or mail a check. I decided to use it towards statement credit. I submitted this before the 8th which is the due date. A few weeks later I get notification that they did not get payment. Instead I called customer service and explained what I did and theyre telling me it doesnt count towards your balance. I was also assured I would get mailed the documentation, which I demanded, but never received as customer service is outsourced. Upon closer examination it says in small print that by choosing statement credit it will reduce your amount owed but it is not considered a payment. This does not make sense and they should have made this information stand out more and because of this policy now my required monthly payments are larger ( over {$300.00} ) when I cant afford larger payments. I have a friend who has a high position in XXXX XXXX and was recommended to report this as deceptive and stated they need a better way to inform consumers about statement credit.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX U-verse Account XXXX I've tried several times to remove this unfair information from my report as it directly relates to a disaster issue I have no control of, and it clearly states that on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: NC

Complaint narrative:
TransUnion will not allow me to get a credit report online or dispute. When mailing, they won't respond. They are continuing to report inaccurate information. Every time I call to speak with a representative im on hold for extended periods of time.

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 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had made a payment on my due date but after the cut off time to be posted on the due date. I had never been late before and hence never requested the refund of the late fee. I have been furloughed due to XXXX and was trying to explain it to the customer service representative and the supervisor. The were not understanding and been rude about that they cant do anything about the refund. Additional to that I have been charged the minimum interest charge of XXXX cents each month ever since starting XX/XX/XXXX. Was trying to explain it to service representative but was getting something about that i get charged the fee no matter what because of the transaction I made. I told the representative I did a balance transfer and had not done any purchases ever since and was meeting my minimum payment requirement and hence should not had been charged the fee especially if I am paying the amount in full by the due date. The supervisor was flat out rude and the service representative was asking why do I want the refund of late fee? Really? Why do one even ask for a late fee refund? What kind of question it is? The late fee was charged on XX/XX/XXXX. The additional minimum interest charge was charged on the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I had called in XXXX twice. The second time was on XX/XX/XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX. I would like to get the refund of {$29.00} late fee and the minimum interest charge fees of {$1.00} as the representative could let even explain how and why did I got fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08 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: OH

Complaint narrative:
I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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:
I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : 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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Several months ago I attempted to get into contact with the collection agency about verifying my debt. I also stated that if the debt was verified I would like a letter in the mail saying so. I also stated that I was willing to settle the debt for deletion if it was verified. Two months later I have yet to receive any kind of notice of the debt. I also didn't receive any kind of letter stating the debt. I found it one day on my credit report with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, my card was charged {$190.00} by XXXX XXXX, which we came to find out was some supplement company in Georgia with hundreds of complaints against them. There was another charge for {$49.00} the same day by the same company. And one more charge for {$190.00} ( again ) same day, same company. We were not aware of the charges until some unordered product ( a small bottle of pills - we think ) showed up at our door about a week letter and then saw the fraudulent charges on my card. I immediately contacted Barclays to make a fraud claim. We also returned the package to the sender unopened.

Barclays apparently did nothing and at the end of XX/XX/XXXX, there were 4 additional charges on the same card for " XXXX XXXX XXXX - three of these charges were for the same amount {$53.00} on XX/XX/XXXX, XXXX ( same day ) and XX/XX/XXXX. XXXX charge was for {$130.00} on XX/XX/XXXX. I called Barclays again, state that these charges were incorrect or fraud, and asked that they do something about it. About a week later we got a letter saying that the charges were legitimate because the vendor said they sent us product. I again contacted Barclys to explain that we dod not order the product and returned it immediately. I also asked for the disposition of the other obviously fraudulent repeat charges to XXXX XXXX and ask them why they dis not cancel the card immediately after the first fraud report in early XXXX. They had no answer. 

I again went through all the transactions with them on file and explained which ones were fraudulent and which ones legitimate. They said they would start another investigation. Today I received a letter from Barclays 's saying that they couldn't resolve this for some reason. I also see a variety of credits and charges on my account since I stopped using the card over a month ago. I have not activated the new card they sent me because of all of these problems.

I have tried to resolve this on my own with Barclays to no avail. Last time I spoke with them I said that I would file a complaint with the CFPB if this didn't get resolved soon. Seems like they dont care about that either.

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 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all old/incorrect addresses from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all old/incorrect addresses from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX XXXXXXXX XXXX Account XXXX I've tried several times to remove this unfair information from my report as it directly relates to a disaster issue I have no control of, and it clearly states that on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was booking airline tickets through chase travel. Chase travel advertises two fare classes, 1. business and 2. business flexible. The difference they advertise is that if you pay more for business flexible than your ticket is refundable. I spent over an hour on the phone clarifying this when booking the tickets in XXXX. This is false and misleading advertising as today I find out my tickets are not in fact refundable and now I have to jump through hoops with Chase to even get the fare difference back. I am astonished a card like chase is misleading customers this way but I guess we exist with capitalism.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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 AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND IT HAS RUINED MY LIFE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND IT HAS RUINED MY LIFE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

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 2022-02-08 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND IT HAS RUINED MY LIFE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

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 2022-02-08 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: TX

Complaint narrative:
I was looking over my credit report and I noticed that the account that I have disputed has incorrect information. It shows that the last time that XXXX XXXX XXXX updated and verified this account was XX/XX/XXXX and XX/XX/XXXX. This is an indiscrepancy regarding these different reporting dates across all three credit bureaus. Also how can this be validated as correct when no one has looked at in 5 years. So I started to do a little investigating on my rights as a consumer and I discovered that the statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. I demand that this account belonging to XXXX XXXX XXXX  ( Account # XXXX ) be deleted for inaccurate reporting and misrepresentation of validating a debt from the Equifax XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: FL

Complaint narrative:
I reached out to Sallie Mae via mail. They received my certified letter in the mail on XX/XX/2022. Sallie Mae did not answer anything pertaining to my letter. I wrote them and asked them how they are saying that I owe them alleged debt without proving to me that this debt belongs to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been attempting to dispute this bankruptcy that is reporting on my credit report. I believe the reporting information to be inaccurate so I disputed it directly with Experian and the US Bankruptcy Court in XXXX, TN. The US Bankruptcy Court in Tennessee sent me a letter back stating that no one from their office verified any debt with Experians, by third party, by document entry, recorded transcription, or written requests by validation of name. They only verify what is given on public information given from 3rd parties and that is not proper validation of a debt. I demand that this bankruptcy listed on my Experian report be deleted. Experian lied about their method of validation as verified by the US Bankruptcy Court of Tennessee.

US BKPT CT TN 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 non-monetary relief
Consumer complaint received 2022-02-08 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: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond they stated only once that I authorized a company to release their information. when I requested the proof of that document they refused to send it and stopped responding. there is more than one account with this company. 
my last letter is sent was along the line of This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, 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 ( 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 XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I contacted Medical Data Systems and requested validation of 2 account s they are reporting against me and provided current contact information. On XX/XX/XXXX I contacted them again with a copy of the first letter and reminded them that the 30 days they had to validate the debt was nearing expiration. To date Medical Data Systems has failed to provide validation of the debts that Medical Data Systems ( not the original creditor ) is reporting against me, and they continue to report these debts to credit reporting agencies.

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 2022-02-08 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: TX

Complaint narrative:
I was looking over my credit report and I noticed that the account that I have disputed has incorrect information. It shows that the last time that XXXX XXXX XXXX updated and verified this account was XX/XX/XXXX and XX/XX/XXXX. This is an indiscrepancy regarding these different reporting dates across all three credit bureaus. Also how can this be validated as correct when no one has looked at in 5 years. So I started to do a little investigating on my rights as a consumer and I discovered that the statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. I demand that this account belonging to XXXX XXXX XXXX ( Account # XXXX ) be deleted for inaccurate reporting and misrepresentation of validating a debt from the XXXX XXXX XXXX and Transunion 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 2022-02-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was looking over my credit report and I noticed that the account that I have disputed has incorrect information. It shows that the last time that XXXX XXXX XXXX  updated and verified this account was XX/XX/XXXX and XX/XX/XXXX. This is an indiscrepancy regarding these different reporting dates across all three credit bureaus. Also how can this be validated as correct when no one has looked at in 5 years. So I started to do a little investigating on my rights as a consumer and I discovered that the statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. I demand that this account belonging to XXXX XXXX XXXX ( Account # XXXX ) be deleted for inaccurate reporting and misrepresentation of validating a debt from the XXXX XXXX Experian and 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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2022 Is the date I filed the claim with chase bank for unauthorized atm withdrawal of {$2000.00}, I was supposed to receive temporary credit within 4 days, XX/XX/2022 but still have not received.

Company response to consumer: Closed with explanation