vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I booked two flight tickets on XXXX from XXXX XXXX XXXX to XXXX, XXXX ( through XXXX ) which were charged to my American Express ( AMEX ) Credit card on my statement ( {$1500.00} each or {$3100.00} combined ) dated XX/XX/XXXX ( booking code XXXX ; Tickets XXXX and XXXX ). The flights were cancelled by XXXX and notified me by email of the cancellation on XX/XX/XXXX. AMEX credited my account on XX/XX/XXXX but reversed that chargeback on XX/XX/XXXX stating that they were honoring their Merchant 's policy not to issue cash refunds for flight cancellations. I challenged the reversal by AMEX stating that it is illegal not to provide passengers with cash refunds for flight cancellations. AMEX did not relent and advised me to file the claim with XXXX which I did on XX/XX/XXXX ( XXXX, and XXXX ). XXXX denied the claim on XX/XX/XXXX stating that they are not required to provide " compensation '' for cancelled flights under XXXX. I replied on XX/XX/XXXX that I am not seeking " compensation '' ( i.e. meals, lodging, or cash for delayed flights ) but a cash refund which is mandated by XXXX ( Sections 5 ( a ) and 8 ) and and the Department of Transportation Rules ( 76 Fed. Reg. 23110-01, at 23129 ; XX/XX/XXXX ), and the Department of Aviation Enforcement rule that " refusing to refund a non-refundable fare when a flight is canceled and the passenger wishes to cancel is a violation of 49 U.S.C. 41712 ( Unfair or Deceptive Practices ) '' which subjects a carrier to  enforcement action. XXXX denied the refund claim stating that AMEX has charged them back ( I included my AMEX Statements demonstrating that statement to be false ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: FL

Complaint narrative:
these Accounts are All due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: FL

Complaint narrative:
these Accounts are All due to fraud

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 2020-09-23 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
So I have been getting phone calls and emails from this agency called acima credit. I apparently owe them {$10000.00}. They have reported it to my credit. Ive talked to them on the phone and told them that I do not owe them anything because I was never aware of how or even why I owe them that amount of money. I have no idea To this day why I owe them that amount, where it came from or who had my information to authorize it. they then said to report it as fraud and send them the report ... I really need this off my credit. As Im sure you understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I submitted three payments to the company towards my original balance of {$1500.00} that is not reflected on my credit report ( the balance owed on my credit report shows the total amount of {$1500.00} ). 
The following are dates/amounts I paid toward my balance owed and would like reflected on my credit report : XX/XX/2019 - {$5.00} XX/XX/2019 - {$10.00} XX/XX/2019 - {$280.00} The following payments were written checks that were cashed by the company, which I have proof of. 
The company has incorrectly sent my account into collections in XX/XX/2019 under the premise that I did not make an attempt to send any payments, which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and there are charge off accounts appearing on my credit report that I have no knowledge about. U have never received anything in the mail from the creditors. I would like to see all the information regarding these accounts like when they were open, addresses cards mailed too, transactions receipts and signed applications from each creditor. XXXX, transunion and XXXX are allowing these creditors to report incorrect information to 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 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I submitted the several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( Transunion, XXXX, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 days. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in apply to new credit, housing, etc.

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 2020-09-23 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: I.C. System, Inc.
State: AL

Complaint narrative:
My identity was stolen

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 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


XXXX, XXXX  AND TRANSUNION HAS A COLLECTIONS ON MY FILES THATS NOT MINE.. 
XXXX IS NOT MINE.

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 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
Contract Callers continues to report a debt on all three credit reports that was recalled by XXXX XXXX. This is not Contract Callers debt and they need to relive from credit reports. They have not sent any mail to me verifying this debt and are violating FCRA laws by not removing a recalled debt and not sending verification of such debt they claim I owe them.

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 2020-09-23 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: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


XXXX, EQUIFAX AND XXXX  HAS A COLLECTIONS ON MY FILES THATS NOT MINE.. 
XXXX IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


EXPERIAN, XXXX  AND XXXX  HAS A COLLECTIONS ON MY FILES THATS NOT MINE.. 
XXXX IS NOT MINE.

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 2020-09-23 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: CA

Complaint narrative:
On XXXX XXXX I submitted disputes with all 3 credit bureaus, I have yet to received anything from them. I understand covid is going but this has been 2 months now and NOTHING. My understanding is they have 30 days NOT 60 is this unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted the several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, Equifax, and XXXX  ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 days. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in apply to new credit, housing, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted the several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, XXXX, and Experian ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 days. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in apply to new credit, housing, etc.

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 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I TRIED TO FREEZE MY CREDIT REPORT, ONLINE, AND THEY REFUSED TO DO THAT. HERE IS WHAT THEY REQUIRED. This is extremely inconvenient and not timely to freeze credit by having to do all this. No reason should not be able to do this online. Also, Experian won't provide a credit score without payment. They also want money to do an online credit freeze. Experian is the worst company. They were also hacked and all my personal data was breached, so they should provide their services for FREE! I provided them correct information. No problem with the other 2 bureaus. 

We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as XXXX, XXXX, XXXX, XXXX, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy  of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or  permanently. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX 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 2020-09-23 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: CA

Complaint narrative:
On XX/XX/2020 I submitted disputes with all 3 credit bureaus, I have yet to received anything from them. I understand covid is going but this has been 2 months now and NOTHING. My understanding is they have 30 days NOT 60 is this unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: CA

Complaint narrative:
On XXXX XXXX I submitted disputes with all 3 credit bureaus, I have yet to received anything from them. I understand covid is going but this has been 2 months now and NOTHING. My understanding is they have 30 days NOT 60 is this unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: OH

Complaint narrative:
Today, XX/XX/XXXX, I was notified by my credit monitoring company that I had a new negative account on my credit report. The information listed Afni, Inc. and shows a balance of {$1200.00}. I contacted Afni. First, I spoke with XXXX who proceeded to tell me that I had several unpaid XXXX XXXX XXXX mobile and internet accounts and provided me with the amounts. I informed her that I had never had XXXX XXXX XXXX services so there must be a mistake. It was not until AFTER disclosing information did she confirm my identity and that I was in fact not the owner of those accounts. She then transferred me. 

I was then transferred to XXXX who told me that I have a XXXX mobile account for purchased equipment and leased equipment. She then asked if I would like to settle the account. When I told her no, I felt as though she became rude. I was not provided with an account number or any information other than it was from XX/XX/2018. I have had XXXX for years. So she explained I would need to complete a fraud packet. 
She also told me that her company had just received the account on XX/XX/XXXX. 

Outside of the HORRIBLE customer service and lack of information this company provides, I should have been notified about this so called debt. Afni received the account on XX/XX/XXXX yet made NO attempts to contact me regarding this account prior to placing it on my credit report. It is standard practice to contact the debtor and provide them with 30 days to respond or dispute the debt. Afni did  NOT. They clearly received the account, held it for 30 days with NO communication at all then placed it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The reason for my CFPB complaint is I met the Citibank promotion requirements for their Basic Checking Accounts for two separate accounts, one for me and one for my wife as described below, and Citibank should deposit {$200.00} each into our accounts. Here are the details : On XX/XX/2020 I responded to Citibanks public offer for new checking account promotions. I opened a Citi Basic Checking account # ending in XXXX for myself with the promo terms of {$200.00} with a {$5000.00} deposit maintained in the ckg acct for 60 days. 

On XX/XX/2020 I spoke with the Citi Customer Service Representative to ask what address I should send my {$5000.00} deposit check to, and he responded : XXXX XXXX XXXX, XXXX, KY XXXX. I arranged for online payment of this check for {$5000.00} from my XXXX XXXX ckg acct on the XX/XX/XXXX. XXXX XXXX # XXXX was confirmed received by Citi on XX/XX/XXXX via a letter from Citi Cards - Payment Investigations. I received a copy of the cancelled check. 

Separately, my wife XXXX XXXX XXXX also opened a Citi Basic Checking account with the promo terms of {$200.00} with a {$5000.00} deposit maintained in the ckg acct XXXX for 60 days. I arranged for online payment of this check for {$5000.00} from my XXXX XXXX ckg acct on the following day, XX/XX/XXXX. XXXX XXXX # XXXX was confirmed received by Citi on XX/XX/XXXX via a letter from Citi Cards - Payment Investigations. I received a copy of the cancelled check. 

Therefore these two checks were confirmed received by Citibank, but never deposited in the newly-opened Basic Checking Accounts. I contacted Citi numerous times by telephone and in writing instructing them to deposit the two checks in the respective accounts for myself and my wife, and they never did this. 

Citi returned the $ XXXX funds to us separately on XX/XX/XXXX for my wife and XX/XX/XXXX for me. 

In separate emails sent to my wife and myself on XX/XX/XXXX, Citi states weve determined you havent fulfilled the Offers eligibility requirements for the following reason : The required deposit balances were not met during the offer period. 

My position is that both my wife and I met the promotion requirements since Citi held our $ XXXX funds for well over 60 days, and therefore should deposit the promo reward of {$200.00} each in our Citi ckg accts immediately.

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