vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I first informed Chase on XX/XX/XXXX that I noticed a derogatory account ( ending in XXXX ) in my credit report at XXXX and that this was a fraud account and that I did not create that account. I also told Chase that it was listed under my name and ssn but the address was one I never had or used. Someone had stolen my name and ssn and used it to create the account. Chase sent me letters on XX/XX/XXXX, XXXX saying that I was responsible for the account and that the account was reported accurately. They also sent the same letters to the 3 major credit bureaus and XXXX. The only reason they gave for their determination that the account was accurate was that they had " correspondence showing '' I knew of the account. In their XX/XX/XXXX letter they said that " I accepted responsibility for the account ''. I categorically denied any involvement with the account and wrote letters to Chase requesting documents ( of transactions made, the application for the account, and other written documents related to the account ). They have not given me any documents related to the account. I requested those documents because I did not receive any written documentation of that account because Chase had apparently sent those to the false address and not to me. I called Chase on XX/XX/XXXX and at that date Chase still had the false address on that account as being my current address! I corrected them but since then they have not acknowledged that they used this false address for communication about this account. In fact, they have continued to insist that the account is accurate ( letter dated XX/XX/XXXX ). The false address listed on the account was : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In Chase 's letters sent to me and to the credit bureaus, they said " we confirmed that your account is valid and reporting accurately ''. This false statement to the credit reporting agencies is a violation of the FCRA which protects consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
on XX/XX/2021 booked a rental car on XXXX to pick up at XXXX XXXX XXXX at a company called XXXX, the booking was for XXXX. my flight from XXXX XXXX to XXXX landed at XXXX on XX/XX/2021, I tried to contact this company on my phone and I was always getting a machine or automatic voicemails I was unable to communicate. I tried multiple times and they never picked up the phone. they sent me a text message around XXXX saying that I was a no show that I have to rebook with XXXX when I checked the same company was not available so I ended up using a known company called XXXX which I booked and picked up the car after loosing a a couple hours at the airport. A few days later I noticed that XXXX charge me {$270.00} so I disputed the charge with Capital one and they credited me for the amount but in XXXX they charged me back as XXXX supposedly provided screenshots and evidence that they did all correctly. I resent all my info to Capital one to appeal the case providing new evidence with dates and time and capital one said the case is closed they can't help me because XXXX closed the case and they can not do anything else. 

I will be providing some screenshots with my phone call records of my phone company with all the calls attempts...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: NC

Complaint narrative:
My credit report shows an account with XXXX XXXX that does not belong to me. I have contacted the credit bureau to let them know that I've never had any loans, credit cards, etc. with any company named XXXX XXXX and asked them to remove this erroneous account from my credit reports, but I'm not having any luck getting them to remove it. The credit bureau continues to say they have " verified '' this account belongs to me, but when I question how they " verified '' it, they just give me a scripted answer, citing " various sources for verifying information '' and tell me it is my responsibility to contact XXXX XXXX if I'm not happy with the results of their investigation. I shouldn't have to contact anyone, since I've never had an account with XXXX XXXX. Please contact the credit bureau and explain to them they need to take this erroneous account off of my credit report. Thank you.

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 2021-12-14 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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing 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 non-monetary relief
Consumer complaint received 2021-12-14 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: Sezzle Inc.
State: MI

Complaint narrative:
I had used a company named Sezzle for purchases and made payments back to this company then I get notification from XXXX XXXX I had a late payment to sezzle I filed a dispute with XXXX. I also emailed Sezzle and provided XXXX my payment history. They took it off my credit report next its reported again so I filed another dispute for XXXX and XXXX they found it was misreported and took it off. I paid off the remainder of the loan. I emailed with Sezzle customer care and they stated someone else used my email and the account belonged to someone else and I asked it be closed> So on XXXX I get a letter from XXXX stating i am 120 days past due and then it shows paid in full. I have never been deliquent on this loan and I also filed a police report I have been an identity theft victim in the past so I think the other persons account may have been reported on my old sezzle account this account is paid in full. I called XXXX on XXXX at XXXX est and filed another dispute on this matter. I am filing a complaint to get this off my credit I always paid this company and then paid it off in full. I try to call Sezzle with no luck and yet again sent another email to them regarding them misreporting on my credit report. I also made another police 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 2021-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I XXXX XXXX is not knowledgeable of this debt and it is not mine it appeared on my credit and I have been going back in forth to get it removed as it is affecting my financial freedom and way of living by reporting negatively NCB MANAGEMENT {$1800.00} ACCOUNT # XXXX DATE XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: IL

Complaint narrative:
XX/XX/14 called Atg credit llc spoke with XXXX and he said I owed XXXX dollars he said it was a recording call and when I told him I contacted original collectors he got very defensive and his tone increased and was very unprofessional. Then he pretty much threatened by making a statement that if I dont pay he would just report it to the credit buero and laughed, this is all recorded as well. I informed that theres no proof of this bill owed with the original creditors and it was a messy call. Point is this needs to get removed off my account as there is no account that was sent to them from whom they claim sent it and I never received any mail. This is uncalled for and this person working as a credit debt collector for that agency should be fired. Making threats and not keeping the call professional and making it personal is just absurd and the fact that I reached out to contact the original creditor company and there is nothing is just mind blowing yet the collection agency says that there is, well where is the proof?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: PA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: PA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing 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 non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This account I have tried to dispute and ask for verification and never received any letters or confirmation. I need this deleted and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2021 Citi froze my account without any notice. They refused to give me any information in regards to the debtor. After hiring an attorney and doing research we were able to find the debtor. After going to court and getting a court order Citi bank received a copy of the court order on XX/XX/2021. As of today XX/XX/2021 this court order has not been proceed by the bank and the funds have not been released. Everyone Ive spoken to in the branch as well as over the phone has not had any answers. I also provided the same court order as the debtor and they both have went unanswered by Citi Bank.

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 2021-12-14 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: CL Holdings LLC
State: FL

Complaint narrative:
I would like complain about a debt collection.On XX/XX/XXXX I submitted a disputed certified letter to XXXX, XXXX and XXXX requesting a investigation on a collection from XXXX XXXX that allegd that I owe them {$1200.00}. XX/XX/XXXX I received a letter stating that the investigation was completed and verify. on XX/XX/XXXX I sent another letter to all XXXX credit bureaus asking for verification on the reinvestigation neither company replied. XX/XX/XXXX I sent another letter to all XXXX credit bureaus letting them know that they failed to verify items that I disputed. On occasion XXXX capital will be remove from my report and days later put back on my report as new debt this has been going on for XXXX XXXX years I would like this to be removed from my credit report forever.This is violating infringements and injury to my creditabilty. 
Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had purchased a couch from XXXX XXXX  and had created an account through synchrony bank and weeks later before my payment date I had tried to pay off the card but the first payment was cancelled as shown through their service so I had went ahead and put in a additional payment to insure the card was payed off as I am one with crystallized intelligence and memory is a struggle. The day after I was charged double for the account without any form of notice for a over charge and was only garenteed a check through the mail which seems very shady and there was no amount of further help from the company to insure the funds were safely added back into my account.

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 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I have mailed them multiple times with no responses regarding this debt being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Was unable to withdraw money from the bank. They said the system was down. This was on Monday XX/XX/XXXX at 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 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
This company is hindering my credit score by posting a fraudulent collections account on my credit profile. From a company I've never did business with. I've never lived at that address. I don't have any identification from that address. The address for that account isn't even on my credit file. I've asked them several times to remove the fraudulent account to no avail. They posted the same account multiple times drastically decreasing my score. They can't verify this account because it is fraudulent. They are in direct violation of the Fair Credit Reporting Act. They must remove inaccurate and unverified information from my credit file within 30 days. If you look at their XXXX reviews you will see this company Sequium Asset Solutions have a 1.6 rating out of 5 with over 380 reviews. Majority of the reviews are on their fraudulent and illegal practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called bank of America about my stolen edd debt card someone had ran up {$7000.00} worth of purchases on my card it took them 2 days to dismiss the 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 2021-12-15 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: OR

Complaint narrative:
On XX/XX/XXXX I received a credit alert stating that Transunion reported a new address update Address : XXXX XXXX XXXX XXXX XXXX XXXX, Oregon - XXXX Im very concerned because this is definitely inaccurate and I believe Im being targeted for identify theft. 

There are other inaccuracies on my 3 credit reports as well. This is the most recent one.

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 2021-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The card I am submitting a formal complaint about was issued by Comenity Capital Bank through XXXX - originally a {$350.00} limit card when first opened. Covid-19 happened and I had a job loss. I have attempted for over a year with Comenity Bank, asking for a detailed, itemized forensic reports, Covid-19 " relief '', negotiating a pay off amount, etc. and it's ALWAYS the standard answer of " please give us a call to discuss your matter ''. When calling you can not get through. Many letters sent on my side, as I prefer to have things in writing, and I have stated that each time. No communication other then one letter and vague messages back and forth on their website platform. Now, my bill has rocketed to {$1300.00} with no amorritization, nothing. The card was closed in XXXX of 2020. I paid monthly for their " account assure '' in case of job loss, but since there is no transparency of fees or anything, I'm not sure what was applied. I sent them all of my EDD paperwork to process for payment from account assure as well. I tried to resolve the issue through the XXXX and it just keeps slipping through the cracks and getting larger every month. This treatment isn't fair at all, especially at a time like this. I am willing to pay the {$350.00} from my original bill, but that's all. I feel that they have taken advantage of customers during this time and they are not following the Covid-19 relief laws that were put in place in California. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: NM

Complaint narrative:
XX/XX/2021 Discover bank cashed a fraudulent check in the amount of {$42.00} without even reviewing it first. Subsequently, I was forced to jump thru all of their hoops including having NO access to my funds or account monitoring. I submitted the required affidavit for the fraudulent check and the bank issued a new account number. Since this is clearly rhe bank 's error I requested the funds be returned to my account and that request has been repeatedly denied! 
This error was not my fault but the bank 's yet they are attempting to force me to clean up this mess. Discover bank has destroyed all previous banking history for my previous account. 
I WANT MY FUNDS RETURNED

Company response to consumer: Closed with explanation