vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 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: Penn Credit Corporation
State: GA

Complaint narrative:
Payment was made in full to PennCredit on XX/XX/21 in the amount of {$900.00}. They have updated my XXXX  credit report to show the balance has been satisfied but they will not remove it from my credit report. The fact that the collection still shows even though its paid, is still hindering me from credit approvals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Became aware of an issue with my cc when I was declined by a cashier. I immediately called Capital One to determine the issue. The said I failed to make a payment of around {$10.00} which was an auto payment to XXXX. This was all the cc was used for. I had about 350 n cash rewards that should have been used in worst case. I previously tried to access my account in several of occasions and was unable to login. I believe their mobile app was having issues. Finally, deleting the app and reinstalling, I was able to login. 

I do not receive paper statements and I received no alerts or emails. I believe these failures were at least partially their fault. I havent been late with any payment in 20 years. 

Late charges were removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My consumer rights were violated under 15 USC 1681b ( a ) ( 2 ). I filed a complaint to have these accounts removed with Transunion and they didnt respond

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenity bank for XXXX 's clothing store ( credit card ). My bill was due on XX/XX/2021 for {$35.00}, I paid the account off in full on XXXX. In XXXX I get a report from the three credit bureaus regarding I have a late payment on my credit. I called Comenity Bank and spoke to XXXX XXXX # XXXX. She explained the above information to and said I owed over {$50.00}. I asked her again how is this possible when I paid if off on XXXX, the rep says well you didn't call to tell us your were paying off the {$35.00} so on XXXX your account was charged {$4.00} interest. I said on a {$0.00} balance? she said yes. I am floored at this point, if I paid this off how can you charge me interest? Not to mention she said this was paid off before my bill recycled. I asked her to remove the late fee that is now on my spotless credit record, she said she can't do that and does not know anyone who could. I asked to please waive these charges and take this off of my credit, she said she will wave the charges but i had to still pay {$14.00} to pay if off and if I am ever late again that amount that was waived would be re-applied to my credit card balance. WHO DOES THIS?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have attempted to have an inaccurate bankruptcy account deleted from my Transunion credit profile on 2 various occasions ; XX/XX/2021 and on XX/XX/2021. I did so by requesting validation and method of verification of where this report was coming from on XX/XX/2021 and Transunion failed to present that information to me, only telling me that the account was verified WITHOUT providing me ANY documentation stating how this was verified nor who furnished the information. I asked again for this validation on XX/XX/2021 and also provided proof from the United States Bankruptcy Court of Eastern Wisconsin stating they did not verify this information and a statement from XXXX XXXX stating they deleted the erroneous record from their report as this record is not verifiable. With this bankruptcy not be verified, this account should be deleted. On XX/XX/2021 I received notice again from Transunion that they verified this information once before and would not reinvestigate NOR did they send me any documentation stating how or who verified this erroneous information. I am beyond appalled at this point and am seeking some resolve as this is impacting my credit tremendously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I was alerted when a fraudulent charge was made on my Citibank credit card in XXXX. Someone used my number to make a strange charge in a state I have never even visited. I called immediately and they sent me a new card and said the charge would be removed. It appears that they credited the amount, and then they mistakenly added that fraud charge again! So the fraud charge amounting to {$250.00} is still on my account. 

I have called repeatedly and talked to a number of Citi employees ( internationally too ). I have always paid my account in full every month. The Citi employees kept reassuring me that I was not responsible for it, and the problem would be fixed by the next billing cycle, so not to pay the fraudulent charge. I have paid my legitimate purchases and subtracted the fraud charge, as I was told. But it kept appearing on my statements. 

The Citi employees that understand the problem are not able to fix it, and refer me to the security department, where employees can't seem to see that the charge is on my account twice, and argue with me about it. Where is the customer service backing up the assurances that customers will not be responsible for fraudulent charges? 

The last time I called I asked for a mailing address so I could send a letter and a copy of my account charges from this year ( from their own website ) to explain and hopefully reach someone that will clear this up. I mailed the documents, but haven't heard anything back. This is now XXXX. I have lost all confidence in Citibank, after having a credit card with them for years. They just keep passing me around to various departments, wasting loads of time, and no one removes the fake overcharge. And now they are adding interest to it! Their slogan " Citi is at your side before, during and after every purchase - Your Citi Team '' means nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On numerous occasions the XXXX XXXX XXXX card has reported that Ive had an open balance Ive called numerous of times I can pull my phone records I have proof that all my balances were paid off. XXXX XXXX XXXX  is a prepaid credit card and you can only spend what you put on so I do not understand how I have an open balance in each month it goes higher and its now affecting my credit score Ive been numerous of calls I said numerous of proof my bank statements and everything every other time Im told they dont know what Im talking about and then I have no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've been sending letters to Equifax since XXXX of 2020 in regards to accounts on my credit I feel were being reported inaccurately. These accounts I still haven't received a response on. 
Three Accounts with no creditor listed- how can this possibly be verified when I don't know who this account belongs to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are still being reported inaccurately on my credit report and I haven't heard back form Equifax after requesting the investigate these accounts and provide verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc.
State: MT

Complaint narrative:
americredit XXXX XXXX XXXX dba gm financial ( creditor ) we filed bankrupty on XXXX XXXX 2019 in united states court for district of montana chapter XXXX we have a XXXX XXXX XXXX  that was part of the bankruptzynow gm financial is is trying to get an immediate stay and are seeking XXXX its case number XXXX. we received court papers in the mail from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sXXXX XXXX XXXX XXXX XXXX XXXX montana XXXX XXXX XXXX we have contacted are attorney we have 14 days to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
XX/XX/21 chase bank closed my account. 
Chase bank didnt send my money {$2400.00} I went to bank 3times and made a phone call multiple times but each time they said they will mail me a check but they didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion violated my consumer rights under 15 USC 1681b ( a ) ( 2 ). They refused to remedy the situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: MO

Complaint narrative:
Asked them to remove the wrong addresses & they failed to do so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: MO

Complaint narrative:
Asked them to remove the wrong addresses & they failed to do so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: MO

Complaint narrative:
Asked them to remove the wrong addresses & they failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
J. P. Morgan ( Chase ) failed to provide me with a notice of debt. Within five days after the initial communication with me in connection to collect any alleged debt. I sent J. P. Morgan ( Chase ) a Debt Validation Letter on XX/XX/XXXX. I did not receive any communication from J. P. Morgan ( Chase ) confirming my alleged debt of {$8400.00}. Nor did I receive notice of right to dispute from J. P. Morgan ( Chase ). I have asked J. P. Morgan ( Chase ) to bring forth any original contracts bearing my original signature and they have not been able to do so. On. XX/XX/XXXX, J. P. Morgan ( Chase ) closed the account without my consent. When I called J. P. Morgan ( Chase ) to ask why the account was closed they forced me to join their in-house collections program for five-years to pay off the alleged debt. I also did not give J. P. Morgan ( Chase ) consent to communicate with third parties in the collection of debt nor did I give JP Morgan permission to share my information with XXXX, XXXX  and XXXX  on this alleged debt. This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. I am demanding that you remove these alleged transactions from my report immediately as they are violation of my rights as a federally protected consumer under title 15 chapter 41. J. P. Morgan ( Chase ) has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is committing fraud against me. I currently have a CFPB complaint against Wells Fargo ( ID # XXXX ), in which I reported violations they have made against me. However, since this complaint initiated, Wells Fargo has proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof of such claim is attached to this new complaint, and you can also verify this by comparing all the information provided in the still pending complaint I have against Wells Fargo. This is completely unlawful and abusive. Wells Fargo is breaking the law pursuant to the Fair Debt Collections Practices Act ( FDCPA ). I demand and direct Wells Fargo to close all credit card accounts they have opened with my name to be closed immediately. Wells Fargo is still liable for all statutory damages that I have endured ( refer to initial CFPB complaint ID stated herein ). Therefore, I now further demand Wells Fargo to stop their fraudulent acts and to compensate me for all individual actions and trespassing against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is committing fraud against me. I currently have a CFPB complaint against Wells Fargo XXXX ID # XXXX ), in which I reported violations they have made against me. However, since this complaint initiated, Wells Fargo has proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof of such claim is attached to this new complaint, and you can also verify this by comparing all the information provided in the still pending complaint I have against Wells Fargo. This is completely unlawful and abusive. Wells Fargo is breaking the law pursuant to the Fair Debt Collections Practices Act ( FDCPA ). I demand and direct Wells Fargo to close all credit card accounts they have opened with my name to be closed immediately. Wells Fargo is still liable for all statutory damages that I have endured ( refer to initial CFPB complaint ID stated herein ). Therefore, I now further demand Wells Fargo to stop their fraudulent acts and to compensate me for all individual actions and trespassing against 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 monetary relief
Consumer complaint received 2021-06-12 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: AFNI INC.
State: GA

Complaint narrative:
This complaint is about AFNI and their unethical business practices. The debt they are attempting to collect is from a XXXX account that unfairly charged me cancellation fees after they verbally confirmed that due to moving to an address outside of their service area, I will not have to pay the {$250.00} fee. 

AFNI reached out via mail in 2018 about the debt, but has been listing the debt as " new '' on collections which is inaccurate. This unscrupulous practice has wreaked havoc on my credit score as a result, and this misrepresentation on my account is simply not true. Based on other reviews on XXXX it appears this is one of their regularly used tactics which is shameful to say the least.

They should be listing the ACTUAL date of the initial debt and not lie when reporting it to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Set up external transfers in my checking account and initiated a transfer of {$25000.00} from another institution on XX/XX/21. Funds were supposed to be available on XX/XX/21. Chase suspended the transfer without notifying me. Chase will provide no information as to why the transfer has been suspended. Chase toll-free customer service, which has unacceptably long hold times, has no information on this suspense. " Due to COVID, '' Chase does not answer the telephone at the number provided to call XXXX opt # 3 that supposedly does have information. Customer is left helpless with no answers including no answers as to why the account was suspended, no answers as to the time frame of the suspension, no answer as to the process required to lift the suspension, and no answers on how to avoid an account suspension in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: DC

Complaint narrative:
I submitted a dispute on XX/XX/21. I never received the results of my dispute as required by law. I never received a copy of my dispute. When I log into Equifax.com, there is no information about my dispute whatsoever other than an investigation was completed on XX/XX/21. I have received zero information about the outcome. My dispute relates to a credit disclosure I received for a mortgage stating I have " too many consumer finance company accounts. '' I have zero consumer finance company accounts. My dispute number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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:
I never gave permission for Transunion to report anything on my consumer credit report. This is a clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. & & Transuion never sent me any results of my request to dispute information. This is another FCRA violation committed by Transunion. Transunion is holding me up from bettering my life as the consumer. These are these accounts : ______ XXXX  Account # : XXXX __ CXXXX XXXX XXXX XXXXXXXX Account # : XXXX __ XXXX Account # XXXX __ XXXX XXXX Account # XXXX __ XXXXXXXX XXXX XXXX Account # XXXX ___ XXXXXXXX XXXX Account # 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 2021-06-12 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: GA

Complaint narrative:
Hello, I'm been trying to fix my credit and it's been stressful dealing with XXXX XXXX, AND TRANSUNION. They are cleary ignoring my request for investigation that inaccurate accounts. I'm really trying to get my life together and they are holding me back. also, I did give XXXX XXXX, AND TRANSUNION consent to report anything on my consumer report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Here are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX Account # 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