vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-27 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I sent a certified dispute letter on XX/XX/2020 notifying your failure to provide the credit bureaus of my notice of dispute. This shows that you did not investigate my concern. The item being reported is completely inaccurate and needs to be removed immediately. I have provided a copy of the certified letter and my dated credit report showing your failure to follow the Fair Credit Reporting Act.

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 2020-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I contacted CFPB about a debt collection notice I received from XXXX XXXX XXXX. The account they were trying to collect on was fake. It was for a Citibank credit card that I never opened. I filed the complaint with CFPB. XXXX responded that they purchased the debt from Citibank and insisted I contact them to resolve the debt. Citibank later responded acknowledging that the account was falsely opened and stated that they would recall the account from XXXX XXXX XXXX. Both also CLAIM that they have not damaged my credit. 

If Citibank is acknowledging that the account is fake and that they're recalling the account from XXXX, why is XXXX claiming I have to file a report with the FTC in order to prove that the account is not mine? Credit card companies should not be able to simply purchase someone's personal information, open an account in their name, charge fees to the account to create debt, and then sell that debt to a collection company. How is this NOT fraud? The burden should NOT be on me to prove that I didn't open the account. If they're opening an account, they should document permission from the person so that they can prove that it was opened with permission. It shouldn't be that they can open a random account in someone's name and then demand I prove that I DIDN'T request the account. This is outrageous and I want it to stop NOW!

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 2020-12-27 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: NY

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX I sent a letter regarding accounts that were incorrect and reporting false information on my credit repot. As of today its been over 60 days and I have not had this issue resolved. I know things are moving slow with the whole covid pandemic but at this time I feel like I'm being taken advantage of and my dispute is being ignored. Section 611 ( a ), it clearly says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been more than 60 days since I brought this to their attention so they should be deleted promptly. I demand that this accounts be deleted immediately or I will seek legal representation due to the stress this is causing me. I was made aware that my information was impacted by the XX/XX/XXXX data breach and may have gotten in the hands of the wrong person. I also lost my wallet a while again and notifeied the credit bureas.

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 2020-12-27 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: NY

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX I sent a letter regarding accounts that were incorrect and reporting false information on my credit repot. As of today its been over 60 days and I have not had this issue resolved. I know things are moving slow with the whole covid pandemic but at this time I feel like I'm being taken advantage of and my dispute is being ignored. Section 611 ( a ), it clearly says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been more than 60 days since I brought this to their attention so they should be deleted promptly. I demand that this accounts be deleted immediately or I will seek legal representation due to the stress this is causing me. I was made aware that my information was impacted by the Equifax data breach and may have gotten in the hands of the wrong person. I also lost my wallet a while again and notifeied the credit bureas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
So one day I went to get a oil change and them they told me that my car have some damage so they say I need to fix it so it wont get worse I first I was like idk so they told me about a loan and I say yes everything was going good until one day I found out that the repairs they say I needed they didnt do it so I call to make a complaint and they say that I was laying about it so I call the company of the loan and I told them that they used me to get money from me but they didnt listen to me so and the next day I went to the place to get a refund and they declared themselves in bankruptcy so now I still owe the money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I used my Bank of Amercia checking acccount to invest stocks via XXXX, after I transfered XXXX dollars to theXX/XX/XXXX on XX/XX/XXXX, my checking account just dispeard in my Bank of America on XX/XX/XXXX, I think I still have fund in there and did not find a way to find my account back.

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 2020-12-27 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: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-27 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 XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app has stole at least XXXX thousands dollars off my dollars from me my name is XXXX XXXX I want to be Paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: VA

Complaint narrative:
Beginning on XX/XX/XXXX, I filed a dispute with the credit bureaus. I later sent a letter on XX/XX/XXXX and again on XX/XX/XXXX. i requested that they do a full investigation in regards to these accounts but the incorrect and false information is still showing on my credit report. Section 611 ( a ) says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been well over 60 days since I have been going back and forth with them and I feel as of my request is being ignored or overlooked. I am demanding that this accounts be deleted immediately or I will seek legal representation since these accounts are in litigation due to a workman 's comp case.

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 2020-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has blocked me from accessing the mobile app after I tried to make transactions once. I have lost thousands of dollars due to that

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 2020-12-27 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: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

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 2020-12-27 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 XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

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 2020-12-27 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: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In 2020, I have incurred purchase interest charges every single month on my Sapphire Preferred Card. The charges are typical, as with most credit cards. Like many other Americans, I lost my employment during the pandemic. Ive used my unemployment to help pay down some of these charges, but the interest charges are in the hundreds of dollars every month, severely limiting my ability to pay down my debt. 

I contacted the bank, since I havent had any previous fees reversed on this card in over three years, to see if they would reverse any interest charges as a courtesy during this hardship. ( These monthly charges range between $ XXXX $ XXXX ) The response was that the bank ONLY reverses any type of charges for customers who have the ability to pay their credit card off in full at the end of the month. This type of policy specifically has a DISPARATE IMPACT on folks who are in a similar situation. Folks who are capable to pay down debt are afforded fee waivers upon request, while those going through a challenging time face no forgiveness. 

COVID19 reliefs at Chase doesnt help this scenario since interest still accrues even if payments are deferred. I asked for any help to have some interest charges reversed, only to be declined without regard or sympathy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-27 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: VA

Complaint narrative:
Beginning on XX/XX/XXXX, I filed a dispute with the credit bureaus. I later sent a letter on XX/XX/XXXX and again on XX/XX/XXXX. i requested that they do a full investigation in regards to these accounts but the incorrect and false information is still showing on my credit report. Section 611 ( a ) says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been well over 60 days since I have been going back and forth with them and I feel as of my request is being ignored or overlooked. I am demanding that this accounts be deleted immediately or I will seek legal representation since these accounts are in litigation due to a workman 's comp case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: VA

Complaint narrative:
Beginning on XX/XX/XXXX, I filed a dispute with the credit bureaus. I later sent a letter on XX/XX/XXXX and again on XX/XX/XXXX. i requested that they do a full investigation in regards to these accounts but the incorrect and false information is still showing on my credit report. Section 611 ( a ) says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been well over 60 days since I have been going back and forth with them and I feel as of my request is being ignored or overlooked. I am demanding that this accounts be deleted immediately or I will seek legal representation since these accounts are in litigation due to a workman 's comp case.

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 2020-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I was sitting at home checking my emails and received notification that my information had been exposed in the XXXX data breach and it caused me to check my credit report. I noticed a few accounts that I did not authorize or recognize to be anything I had done. I reached out to the creditors as well as the bureaus involved. I sent the first certified letter to PDQ on XXXX XXXX asking for a validation of the debt which I received no response nor did I ever receive anything prior from them regarding a debt. I then sent a certified letter to XXXX and XXXX disputing the debt. One bureau replied stating unable to verfiy the debt and removed the account from my profile the other showed verfified. I then sent 2nd letter asking for validation of debt and still no response. At this point I know my rights as a consumer of the Fair Debt Collections Practices Act has been VIOLATED. The collector must validate the debt and PDQ has failed to do so and if this office is not going to enforce the law I will have no choice but to file a lawsuit. This has caused me more distress physically and mentally. I have all correspondence that I have sent certified to both the collection agency and credit bureau attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called customer service on XX/XX/2020 to request Covid 19 assistant because I had lost hours at work due to the pandemic and was concerned I would not be able to maintain my account. The rep advised assistance would be granted XXXX through XX/XX/2020 and I did not need to make any payments at that time. The company them reported me late for all 3 months. I called several times spoke with multiple reps and supervisors and they refused to assist me with the removal. I reluctantly tried again in XXXX a supervisor finally requested a review of the call and reversed XXXX and XXXX negative marks but not XXXX stating I had a balance from XXXX. I advised I didnt get an E-statement for XXXX and when I spoke with the rep in XXXX she advised no payment was required. After escalating this issue beyond supervised to collections four times they advised to pursue filing a claim they refused to remove the negative mark for XX/XX/2020. I am extremely upset and feel this is unethical to misrepresent my payment history for you a internal error.

Company response to consumer: Closed with explanation