vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format formateignoring to report. 

Dsnb Macys Account ID : XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. I am having trouble getting them from the original creditor. 
Inaccurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 
Duty to Correct and Update Information. A furnisher that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that previously furnished information is not complete or accurate and to correct that information. 
If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a consumer credit extension, it must provide a clear and conspicuous written notice to the consumer indicating that it furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. 
If the furnisher determines that the information it provided was incomplete or inaccurate, it must notify all nationwide CRAs to which the information was furnished of its findings.26 Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information. ( Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) ) Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates XXXX. 

It is very serious that you please investigate and resolve as this is injurious to my character and is obstructing my potential to obtain mortgage.

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 2021-07-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Around XX/XX/XXXX, I opened an American Express Gold Card after being offered a sign-up bonus of XXXX points after spending a minimum of {$4000.00} in 6 months. I exceeded the minimum spending by the end of the 6 months in early XX/XX/XXXX but did not receive the bonus. 

When I contacted Amex through mobile chat to figure out why, I was told that the offer for my account was 3 months, not 6 months, and that there was nothing they could do. 

I called Amex phone support and was told the same thing and, in addition, that after 92 days I was only {$10.00} short of {$4000.00}, which added to my frustration. 

I then reached out to Amex support through XXXX, which led to an online chat with the same response, even though I told them I had written down the terms of the offer when I was approved and had found information on Amexs own website dated XX/XX/XXXX, that said that the promotional offer was 6 months. 

When I was approved for the credit card, Amex did not specify the terms of the promotional offer that applied to my account, and I assumed nothing was amiss because I didnt receive any further information about it. Its frustrating because its my word against theirs and whatever their system coded is considered infallible. 

The same sign-up bonus is being offered to this day. If other people had the same experience as I did, it means that Amex is misleading consumers into opening credit cards by enticing them with a sign-up bonus worth at least {$600.00} and later denying that bonus if they cant satisfy the more restrictive terms. I believe that is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
Due to covid 19 we did what we thought was the right thing to do, that was turn in vehicle a XXXX  we could not continue to pay on. After this XXXX XXXX XXXX hired Smith Debnam law firm to collect the amount they did not sell the vehicle for which they sold not at fair market value. I called the law frim to set up payments, they did not agree to payments. I sent a payment of {$500.00} dollars in an attemp to strat to pay some funds back. YET I did not here back from the law firm and the law firm took out a judgement against me. Now the same law frim as threatened to take out a Writ of Execution. IM a 100 percent XXXX veteran and now only have that income from the federal Veterans Administration. I have no big bank account funds, i have no real property. I told the law firm company that I XXXX XXXX DOB : XX/XX/1955 would pay XXXX as i could to pay off the debt that should have been settled by the sell of the new vehicle. I have no funds for to hire a law frim to counter act all this hard ball actions from Smith Debnam law firm, they have had several complaints against them in the past years, both in state and federal court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$2700.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$920.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1700.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: NV

Complaint narrative:
Incompetent customer service has locked me out of transfer of funds to my bank account. They promise to resolve the issue and to call back but never do. They have in their hands money that they refuse to transfer to my bank account, telling me go to the bank to withdraw it.They ignore the covid-19 restrictions and inconveniences of in person business dealing, necessary appointments etc. I have spent hours on the phone on hold and trying to get them to correct THEIR mistakes to no avail! I tried calling back the number from which the only potentially helpful rep, who did not call me back as promised, to receive the message the number is no longer in service! These are unquestionably the most incompetent, irresponsible, poorly trained representatives in decades I have ever dealt with. They messed up the account, effectively seized my money until I can get an appointment at the bank and are unable to do anything to correct their overreach. They have you on hold for so long that I must plug my cell phone into the computer to keep it charged to the end and hope that I do not exceed my minutes allotment. The ONLY way to get someone potentially competent to assist is to file a consumer complaint that will get their attention. Don't want bad press, just to deliver bad service. Saying customer service is bad, is paying them a compliment .Being on hold for 50+ minutes ( I was told others wait longer ) " appreciating your patience '' is just a way to get you to give up, hang up, go away. That is their idea of customer and attempting to solve a problem. Latest : Their customer service rep disabled my account and they say there is NO WAY for them to correct it. I must go weekly to the bank or an ATM during new covid restrictions and notwithstanding what my balance may be I can not move more than {$100.00} per visit!!!!!!!!!!!!!!!!!!!!!!!!!! They are effectively stealing my money by withholding or delay of payment for their investment profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On the XXXX of XXXX, 2021, I received a text from " Chime '' with a security code I never requested and notifying me that the phone number on my Chime account had been updated. I do not have a Chime account and never requested to open one. I found an e-mail address for Chime and sent them an e-mail notifying them of their error and alerting them to possible fraud. I told them I wanted any accounts with my name on them to be closed. This on the XXXX. " XXXX '' responded, but took no action. I replied, again instructing them to remove me from any accounts. " XXXX '' replied. I sent another e-mail, and heard back from " XXXX. '' I replied to this on the XXXX, getting a reply from " XXXX '' who wanted a copy of my driver license. I submitted it, then heard back from " XXXX, '' who asked me to submit it again, but this time in a different format. I can forward this chain of e-mails to you on request. This experience reminds my of the practice of XXXX XXXX when they opened accounts without informing customers. I have sent a request for my credit report to make sure no account from Chime shows there, and I have started the laborious task of changing all my passwords.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: AR

Complaint narrative:
Experian is showing my on their credit report my account with XXXX was 30 days late from XXXX of XXXX. This account should never have been late and should never have been reported late. I have filed previous complaints in XXXX to address this error in reporting. For some reason this account this year started to report that period in XXXX of XXXX as late. I filed a complaint with the CFPB and XXXX responded that they directed Experian to report my account as never late. Their response to the CFPB complaint in XXXX and then recently in XXXX of XXXX indicated the same that they directed Experian to report my account as never late. 

In XXXX I filed a complaint with Experian XXXX in which they responded to the CFPB that my account was reflecting exactly like I said it would as never late. 

I have been filing disputes with Experian to challenge this error in reporting. Each time they tell me the company is telling them I was late. They will not look at their own comments or any of the documentation that I provide them that this is an error. They simply say it is a automated dispute system and the creditor is saying I was late. 

They tell me I can go back to the creditor but when I go back to the creditor they say they have directed experian to correct this information. It is a back and forth an back and forth where my credit report remains in ERROR and Experian is doing nothing to fix 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 explanation
Consumer complaint received 2021-07-22 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:
On XX/XX/2021 i filed an identity theft report with the ftc because I am a victim of identity theft. my information is in the wrong hands and my information was compramised by the XXXX  data breach.

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 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I had a recurring payment made to checking account at BBVA. That charge incurred an overdraft fee ( - {$1.00} ) and stated that due to overdraft protection, my incurred fee was {$0.00}. On XX/XX/XXXX, another recurring payment ( {$15.00} ) was made resulting in overdraft fee of ( $ XXXX ). On XX/XX/XXXX, another recurring payment ( {$3.00} ) was made resulting in a 2nd overdraft fee of ( $ XXXX ). On XX/XX/XXXX, another attempt was made ( {$15.00} ) resulting in a 3rd overdraft fee of ( $ XXXX ). My balance is now $ XXXX for overdraft protection that didn't do it's job. 

The worst part is I called to cancel my account and was extremely frustrated when I found out I am unable to close the account due to my balance. Plus the dispute process for overdrafts takes up to 90 days, which leaves me in a horrible position to continue collecting overdraft fees on the account with no resolution. 

This practice seems very predatory and I am left with an unusable account racking up debt that I can't pay off. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: KY

Complaint narrative:
I would like to dispute this one item because its killing my report and killing my financial life planning. Killing my score and most important its not mine. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: GA

Complaint narrative:
I have had someone to use my personal information to attempt to open accounts in my name without my knowledge.

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 2021-07-22 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: VA

Complaint narrative:
I pulled my credit report in XXXX and noticed a collection item. Called the collection company listed on my credit report and they stated the account is a joint account. I informed them this is Fraud. They stated they would send me a record and never provided anything. I submitted complaint to XXXX  and they removed. Experian and XXXX  have not removed the item and Ive Disputed the item several times. Ive asked them to verify if the debt belongs to me and have told them its Fraud. Neither Experian, XXXX  or the Collection company have tried to remedy this and they are violating my rights under FDCPA. I have sent over three letters and disputed online. This item needs to be removed immediately XXXX XXXX XXXX Account -- XXXX Reporting to : XXXX, Experian

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 2021-07-22 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: KY

Complaint narrative:
I would like to dispute this one item because its killing my report and killing my financial life planning. Killing my score and most important its not mine. Please 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 explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Keystone Law LLC
State: MS

Complaint narrative:
I received a letter that looked very official from XXXX XXXX XXXX with an account number and website to pay the amount in collections ( outstanding balance was about {$1100.00} ). 
I paid {$600.00} before I read down to the bottom of the letter. I paid off a debt to XXXX XXXX XXXX XXXX via XXXX XXXX XXXX in XXXX. 

I tried to stop the payment from going through after I realized that I was probably the victim of a scam, but the payment went through within 3 minutes. The following morning I called XXXX XXXX XXXX and spoke with someone by the name of Mr. XXXX. I told him that I thought payment was wrong and that I had already paid off XXXX  XXXX, and that I wanted my money back. He said he could not refund my money without talking to XXXX XXXX and that he couldn't just take my word for it. I asked him to call XXXX XXXX while I was on the phone so that we could clear this up and get my money back to me. He said he couldn't do that, because the verification from XXXX XXXX had to be requested via email. I told him that I had never heard of that being a reason. I called him a liar and he hung up on me. 
I called First South to inquire and see if I actually had an outstanding balance that I was not aware of and if not, would they call the XXXX XXXX XXXX  company and help me get my money back. 
The XXXX XXXX Representative told me that they do not use a company by that name, and that my debt was paid off in XXXX of XXXX  through XXXX. That is the information I needed. 
I called XXXX XXXX back, and I have left at least 5 messages and have not been able to speak to a live person. 
The phone numbers I have for this company are XXXX, XXXX which is supposed to be the number for XXXX XXXX, but it takes you to the same voice message.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
First and foremost, your automated system does not allow me to speak to a customer service agent. 
This is the third consecutive month that I received my monthly statement the day before the due date or a few days after the due date. The statement date on my current statement is XX/XX/2021. I'm pretty sure that the postal service does take 10 days to deliver this bill from XXXX XXXX, Colorado. 
I have been trying to avoid monthly late fees by asking my son to make my monthly payments via the computer. I literally received my statement today, XX/XX/2021, with a due date of XX/XX/2021. The payment processing address is XXXXXXXX XXXX XXXXXXXX, California. Please explain to me how my payment will make it from Florida to California on the day of the due date? I'm an XXXX  women trying to make my payments on time. The last thing I need is to be charged late fees or fall behing on payments.

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 2021-07-22 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: Credit Karma, LLC
State: ME

Complaint narrative:
Credit Karma , Inc. refuses to update my legal name after over 60 days since XXXX  provessed my legal name change on XXXX XXXX. Due to the name discrepancy, I have been unable to withdraw {$10000.00} of tax return funds to my external bank accounts. Credit Karma representatives claimed multiple times over the course of 2 months that XXXX  needs to update my name first when it had already been updated previously. 

I have submitted all related documents to prove the legality of my name change and repeatedly requested for investigation and clarification, but I was never given a clear status on their through their customer service line. To this day I have no way to access the funds due to Credit Karmas negligence.

Company response to consumer: Closed with explanation