vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I receive my unemployment benefits in California through a Bank of America prepaid card. Today, XX/XX/20, my card suddenly stopped working, i.e. the transaction was refused at point of sale. I then tried to log into my online account, only to be told " Your security information is invalid. Call the number on the back of your card. '' I did so, and an automated voice told me my card had been " closed. '' No further info was forthcoming, which is unacceptable considering people rely on this money to survive. I then began an hours-long odyssey to speak to a representative and find out what was going on. I still don't know. Every person I talked to said they had to " escalate '' the issue, this after waiting an hour to speak to them and repeating ALL of my information ( card number, address, etc. ) for the umpteenth time. After being on hold for hours and speaking to several people, the line disconnected. One hundred percent unacceptable, period, full stop.

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 2020-12-29 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: IL

Complaint narrative:
On XXXX I sent certified letters to Experian regarding the inaccurate and unverifiable items on my credit report. To this day, over 45 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 45 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX data breach and someone may have gotten my information.

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 2020-12-29 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2020-12-29 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: NJ

Complaint narrative:
On XX/XX/XXXX, I sent in a letter to my credit card company- Barclays Bank , to file a dispute against the merchant XXXX XXXX XXXX , for the transactions amounting to {$1000.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX. This was for 24 personal training sessions that I had paid for in advance in two installments, which would total to {$1500.00}. Due to Covid-19, the gym shut down in late XXXX and has since permanently closed down. I tried to get in contact with both the local gym as well as the main corporation on multiple occasions for a refund via telephone, online forums and email. This was to no avail since they had no live representatives on the phone and other options to contact them just didnt work out. Due to that, I decided to file the dispute with Barclays Bank. 

After mailing my letter in on XX/XX/XXXX and not hearing a response back from Barclays in XXXX, I decided to contact them via telephone. I spoke to two different representatives who had informed me that the case was closed due to having inadequate information since they couldnt get in contact with the gym ( for obvious reasons since the gym was closed ). I never received a letter stating that the case was closed- so I was not very pleased. Both representatives recommended that I send in a fax with more information about the last dates of me attempting to contact the merchant and they said that sending in that letter would reopen my case. I did so one day later and sent the fax on XX/XX/XXXX. 

I received a letter back from Barclays dated XX/XX/XXXX stating that they could not give me a credit for my dispute since they are outside of the permitted timeframe to help with the claim. 

After over three months of going back and forth with Barclays, this was extremely upsetting and not the response that I had expected. I sent in my original dispute in XXXX, had them close the case without informing me that they needed more information, then I speak to representatives who had me send in another fax stating the last date I contacted the gym.. all for them to say they are outside of the permitted timeframe to help me obtain a credit? Absolutely absurd! Why waste my time to send in another fax then? This just shows laziness and unwillingness of Barclays representatives to actually help their customers. The gym has closed! It is all over their website and not even Barclays could get in contact with them.. So why is it so hard for me to receive a 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 explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2020, I reviewed my account and saw my credit limit decreased from {$4000.00} to {$500.00}. I called and was told a memo was place on my account on XX/XX/XXXX to decrease my credit. She then informed me that this was a business decision and not a decision based on me. She then informed me that, if I would like a credit increase then they can do a credit check. I told the representative that was absurd, because decreasing my credit limit and a hard inquiry would negatively impact my credit score. I called back a second time and was told a letter was sent out to me today XX/XX/2020, explaining the banks decision to decrease my credit limit. 

On XX/XX/XXXX I paid {$2000.00} On XX/XX/XXXX I paid {$800.00} XXXX i was unable to make payment, because I lost wages due to being placed on 30 day medical leave. 
On XX/XX/XXXX I paid my account balance off which was {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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 request written proof that XXXX XXXX XXXX XXXX had permissible permission to access my credit report in XX/XX/2017 for auto loan # XXXX per the FCRA. If XXXX XXXX XXXX XXXX claims this is a duplicate complaint, then I request they resend the copy. I expect XXXX  and Transunion to send me a copy of the permissible purpose when they receive from XXXX XXXX XXXX XXXX 's investigation. Please do not say you have investigated this several times and need additional proof. Just send copy of the permissible purpose. I am tired of reading form letters and rhetoric. Again it is very simple, XXXX XXXX XXXX XXXX, XXXX, or Transunion need to send me copy of the permissible purpose to access my credit in XX/XX/2017 for XXXX XXXX XXXX XXXX 's loan # XXXX. XXXX, Transunion, or XXXX XXXX XXXX XXXX do not need 30 days more, or 45 days more, or 60 days more because you have had years to investigate a simple matter, written proof of permissible purpose. Enough is enough!!!!

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 2020-12-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong

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 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've been trying to get my account clarified with American Express for an entire year. I am now receiving bills for amounts hundreds of dollars more than what I actually charge. I'm only able to use the card for less than {$50.00} dollars on certain days. My current bill is {$1000.00}, but I only have approximately {$300.00} in actual charges. I've contacted the CEO assigned someone to my account who totally XXXX  everything up even more. I then reached out to the audit department begging them to perform an audit on my account so they could see my account is NEVER late and I paid in full every month. I've been a customer for 20 years and this is how I am being treated. I'm now being told that my bill has been late for the last 11 months even though I have receipts and bank statements to prove that FALSE. There have been representatives within American Express who advised and confirmed their system has some " glitches '', but no one has ever tried to fix the problems. I've been told so many different lies as to why I can not use my card and they are all false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
How is case XXXX closed? It also says I filed a chargeback and was ruled in my favor. None of this case out come it true. I sent documents of the outcome of the dispute. I'm wondering either if you can't read or didnt view the documents. Im personally aggravated with your responses as if you purposely answer in an uneducated manner to make it complicated. Can you please stay focused? 
On XX/XX/XXXX you received payment returned to you for the amount of {$5000.00} that was to be returned to* XXXX , ( transaction ID XXXX ). Merchant XXXX XXXX has yet to receive these funds. I have enclosed the outcome of the case more than once to you. I have also supplied you with documents that you received returned funds from XXXX XXXX in the amount of {$5000.00} to satisfy the funds held in XXXX  XXXX  account. 
Today XX/XX/XXXX I did not receive a notification that the case was closed which I find odd. But it is showing that you closed the chargeback case stating it ruled in my favor. Where do you get this? That is highly the case. I have a document from XX/XX/XXXX regarding the case that the funds of {$5000.00} were returned XX/XX/XXXX per merchants response to the chargeback case. 
If you look at my XXXX bank statement from XXXX XXXX it shows that the funds from XX/XX/XXXX were rebilled back to you in the amount of {$5000.00}. It is listed as XX/XX/XXXX on the bill followed by another transaction purchase XX/XX/XXXX. This is proof of payment returned per chargeback dispute to you PayPal. 
Please do not overlook my documents which contain proof of your wrongful case closing. 
Please refer to XXXX XXXX document dated XX/XX/2020 XXXX paragraph where it states XXXX XXXX does not reach out to third parties such as you PayPal discussing case details. Please note case details will not be shared with you due to security and privacy concerns. 
I would like to know how you closed this case? It is completely invalid. 
Where are you getting your information? If escalated legally you will need educated answers to this this information you claim. My supporting documents show you are lying and stealing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On, XX/XX/2020, I wrote to them requesting an investigation into items that I believed were INNACCURATE. Under federal law, they have thirty ( 30 ) days to complete there investigation. It has been well over 45 days, almost 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2020-12-29 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent Capitol Services and LVNV Funding LLC. Reference ID XXXX. 

The above listed company purchased a debit from XXXX XXXX XXXX. The account was opened in my social security number and name, which is identity theft. The police was notified and a report was created. XXXX XXXX was notified and still continued to harass me for payment. The company then sold the account to the mentioned company above and now they have been informed of the situation and has not responded as the item continues to remain on my account. I would like the item to be removed as it is affecting my credit and purchasing power.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I see multiple 30-60 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 2020-12-29 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

RECEIVABLE COLLECTION, Date : XX/XX/2017, Account # : XXXX, Amount : {$280.00}, Date : MAIN XXXX XXXX NOT MINES. IM TRYING TO KEEP MY LIFE HERE IN AMERICA. ITS NOT MINES I SENT A LETTER PLEASE. THE COMPANY IS NOT RESPECTING. THEY SAY NOTHING AND KEEP HARASSNG ME. PLEASE DO SOMETHING

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 2020-12-29 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: MA

Complaint narrative:
XXXX is reporting inaccurate 30 day late notice on my credit report from XXXX XXXX XXXX on account XXXX for the month of XX/XX/2020. As factual proof I have provided to XX/XX/XXXX my XX/XX/XXXX statement for the month of XX/XX/2020 showing payment being made on time for the month of XX/XX/2020 via automatic payment from my XXXX XX/XX/XXXX Checking account. Additionally the statement for the month of XX/XX/2020 shows multiple payment being made to XXXX XXXX XXXX from my XX/XX/XXXX Checking account via automatic payment. After I have provided factual documentation as proof of my payment for the month of XX/XX/2020 XX/XX/XXXX refused to remove this inaccurate information from my credit report is defamation of character and willful injury under section 623 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: MA

Complaint narrative:
XXXX is reporting inaccurate 30 day late notice on my credit report from XXXX XXXX XXXX on account XXXX for the month of XX/XX/2020. As factual proof I have provided to XXXX  my XXXX XXXX  statement for the month of XX/XX/2020 showing payment being made on time for the month of XX/XX/2020 via automatic payment from my XXXX XXXX Checking account. Additionally the statement for the month of XX/XX/2020 shows multiple payment being made to XXXX XXXX XXXX from my XXXX XXXX Checking account via automatic payment. After I have provided factual documentation as proof of my payment for the month of XX/XX/2020 XXXX refused to remove this inaccurate information from my credit report is defamation of character and willful injury under section 623 of 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