vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
We scheduled and paid for in for a trip to XXXX  XXXX And paid the Full amount of {$5600.00}. 
The trip was scheduled for XX/XX/2020, The trip was never taken and when we went to reschedule our trip we found out book it was out of business they took our money and services were never rendered. 
We sent a letter to the credit card company on XX/XX/2020 requesting a refund And Barclays Visa denied our dispute. 
Please help us rectify this situation and get our money back for a vacation that was never taken

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 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On or about XX/XX/2020, I requested that money which been refunded into my CITI credit card account by an airline for refunded airline tickets. be transferred to my XXXX checking account. Between XX/XX/2020 and XX/XX/2020, I contacted CITi regularly through its " Chat '' system. 

During various times, I sought to contact CITI via phone. The wait times were so long that I gave up. Indeed, my wait time on one " chat '' lasted in excess of 35 minutes. all wait times were excused because of the virus. My phone even disconnected twice. The waits were so long my APP on my phone closed.

So I resorted to the " chats ''. All of these chats remain a part of my record. Interestingly enough CITI does not provide anyway to download these records, so if you want them I can send you screenshots that are quite extensive.
During each of these " chats '' I was told that I would have to wait 3-5 or 2-3 business days for the money to be transferred. This continued to be the case long after 3-5 days had passed. During this time I was also told it was " federal banking regulations '' that caused the delay. I asked for the regulations. I was told they didn't have them and to call CITI. 
Then after several tries on XX/XX/2020 the CITI 'chat person ' told me there had been an error and that I needed to fill out another form. I did. 
Then I called on XX/XX/2020 and waited again BUT I finally got a supervisor. He gave me a confirmation number and a time the transfer was initiated and that it would be 3-5 business days before  my bank XXXX XXXX  got the money. I told him I wasn't satisfied. He offered me {$10.00} so I countered with {$100.00}. He couldn't go any higher than {$20.00} so I took it. 
I remain completely dissatisfied. If I was 15 days late on my payment to them of {$13000.00} I would have owed over {$100.00} in interest. In addition, the failure to be able to print/save their web chats, the failure to provide a human being to talk to, the failure to provide an email address for complaints on their web page, their improperly blaming the federal government and other equally serious concerns give rise to this complaint. 
Further, I have sought the assistance of my Senator XXXX and that of Senator XXXX XXXX. If they are treating me this way it is clear they are mistreating an entire swath of the American 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 2020-09-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/2020 I contacted all 3 credit buerus asking them to remove any credit alerts, sercurity freezes or anything prohibiting me from accessing my credit file. After hours of remaining on the phone as well as multiple faxes and emails sent to them at the following phone  numbers : XXXX Fraud alert XXXX XXXX XXXX XXXX As of XX/XX/2020 I called in and typed the notes and provided a copy of my social and Drivers license to the following details : Equifax XXXX XXXX XXXX fax Demand Cover letter Name XXXX XXXX XXXX Equifax security freeze Dept Fraud alert Dept After explaining to them I had already completed this 3 times already and I didn't feel comfortable providing this anymore I was told that is the only way it would work. Just to mention, I just received a letter from them stating that my SS # and contact information was released in some sort of HACK and they provided you free credit monitoring service and to  call the number to activate this. I am in the mist of refinancing my property and I need to have access to my credit and I have been working on this since last year and its almost a year now and I still have a freeze on my XXXX, equifax and XXXX  file! I want this removed immediately! 

The credit buerus are also months behind in reporting the accurate information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I am a victim of identity theft and my identity was used to open account with USAA Federal Savings. I have never conducted business with this bank in person or by phone. My credit is ruined due to these accounts that I am not responsible for and did not open. USAA Federal Savings has allowed someone to open accounts using my identity. The following accounts are listed on my credit report : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased through finance a vehicle from XXXX XXXX. It was a XXXX XXXX XXXX. I acquired the loan through Capital One. The dealer offered me to purchase my XXXX in the purchase of a new car. Which they did. They sent all the documents to Capital One. Capital One. As of this day keeps charging me for a car that I don't have. It still showing in my credit record. After I've told them for the past 5 years that I don't have that car. The dealer sent them all the paperwork. If they have an issue ... Call them an quit herrassing. Accussing me of having under my possesion a car that the dealer kept. If they are so smart. That car has a chip. They can find out where the car is. Of course. Not with me. As they accused me. And placing this on my credit report. Which is causing for me not to be able to get good car because of high interest rates because of this vultures stealing money and accussing and herrassing about a car that is not under my possesion that it has not been for the past 5 years, and that the dealer sent all the documents to them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alabama XXXX XXXX when I contacted to the regions bank agent I filed a dispute which is unauthorized withdrawal on my bank account amount from {$10000.00}, {$82000.00} and {$2000.00} from IRS AND Long game transfer on XX/XX/XXXX and XX/XX/XXXX. the agent just requested me to enter the branch XX/XX/XXXX, XXXX in person they file dispute and claim form. up to 7 business days processed credit back XXXX account. it has never happened. I decided to call agent on the phone. it said deny claim. I was extremely upset and XXXX off. I felt like they didnt believe me. I did proofed show everything on my statements proof. build the boil the blood and build getting angry because of my bank account overdraft. they not help me nothing. thy didnt do anything to help me .I decided to file a complaint and sue regions bank I decide to sue regions bank amount {$200.00} XXXX deposit back on my bank, they better owe me. up to 5 days response me I want them paid for and sue regions bank {$200.00} XXXX. I felt like they have been discrimation me because I am XXXX 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 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XX/XX/2020 I contacted all 3 credit buerus asking them to remove any credit alerts, sercurity freezes or anything prohibiting me from accessing my credit file. After hours of remaining on the phone as well as multiple faxes and emails sent to them at the following phone numbers : XXXX Fraud alert XXXX XXXX XXXX XXXX As of XX/XX/2020 I called in and typed the notes and provided a copy of my social and Drivers license to the following details : XXXX XXXX XXXX XXXX fax Demand Cover letter Name XXXX XXXX XXXX XXXX security freeze Dept Fraud alert Dept After explaining to them I had already completed this 3 times already and I didn't feel comfortable providing this anymore I was told that is the only way it would work. Just to mention, I just received a letter from them stating that my SS # and contact information was released in some sort of HACK and they provided you free credit monitoring service and to call the number to activate this. I am in the mist of refinancing my property and I need to have access to my credit and I have been working on this since last year and its almost a year now and I still have a freeze on my transunion, XXXX and XXXX file! I want this removed immediately! 

The credit buerus are also months behind in reporting the accurate information on my file.

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 2020-09-14 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: NC

Complaint narrative:
In XX/XX/2020 I contacted all 3 credit buerus asking them to remove any credit alerts, sercurity freezes or anything prohibiting me from accessing my credit file. After hours of remaining on the phone as well as multiple faxes and emails sent to them at the following phone numbers : XXXX Fraud alert XXXX XXXX XXXX XXXX As of XX/XX/2020 I called in and typed the notes and provided a copy of my social and Drivers license to the following details : XXXX XXXX XXXX XXXX fax Demand Cover letter Name XXXX phone Att XXXX security freeze Dept Fraud alert Dept After  explaining to them I had already completed this 3 times already and I didn't feel comfortable providing this anymore I was told that is the only way it would work. Just to mention, I just received a letter from them stating that my SS # and contact information was released in some sort of HACK and they provided you free credit monitoring service and to call the number to activate this. I am in the mist of refinancing my property and I need to have access to my credit and I have been working on this since last year and its almost a year now and I still have a freeze on my XXXX, XXXX and experian file! I want this removed immediately! 

The credit buerus are also months behind in reporting the accurate information on my file.

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 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My wife and I have a mortgage with XXXX XXXX. Due to the COVID-19 pandemic and loss of income from my employer, we took advantage of XXXX deferment program for 4 months. We were specifically told that using the deferment option would not have a negative effect on our respective credit scores. We just recently started to pay the mortgage again ( XX/XX/2020 payment ). Both my wife and I were shocked when we received alerts that our credit scores has dropped ( 4 points for me and 27 points for my wife ) due to significant delinquency reported by XXXX XXXX   company. On XX/XX/2020, I called XXXX XXXX  to complain. The customer service representative stated that XXXX was under the impression that any data shared with the credit bureau was NOT to impact our individual credit scores. The customer service representative stated he was sorry, but once the information is shared with the credit bureau, it is out of their control what the credit bureau does with the data. I feel that we were mislead and thus, we are filing a complaint.

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 2020-09-14 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: NJ

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters that have gone unanswered causing immeasurable stress.

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 2020-09-14 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I contacted Equifax today XX/XX/2020. They essentially told me that in order to have any access to services I needed to pay a fee. I am needing to place a freeze on my account due to ID theft ( already reported ) from  Texas unemployment. Even after explaining this situation they essentially told me that I would have to pay {$5.00} for trial access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FlexShopper, Inc
State: MA

Complaint narrative:
Received numerous phone calls from telephone number : XXXX XXXX XXXX to my Father 's personal and private cell phone number which is XXXX from a person named " XXXX '' who would not disclose the company he was representing, I later found out he was a third party delivery person working with a Debt Collection Agency but he failed to explain to my father and to myself the nature of his call. he would aggressively argue with me that he WORKED FOR HIMSELF, he called me slow on multiple occasions, threatened me, and made me feel unsafe.The only bit of information I was able to obtain from him was the phone number of the debt collection agency which is XXXX The man named XXXX at the Agency was Kind, Helpful, Emphatic and Understanding and quickly resolved this matter with me in a way that made me feel safe and understood.

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 2020-09-14 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: GA

Complaint narrative:
I located some negative accounts reported on my credit report, and decided to request an investigation process pursuant to section XXXX of the FCRA. After I sent my first set of disputes dated XX/XX/2020, I received a 1 document only from XXXX stating that, the letters were ineligibles, so on XX/XX/2020 I re-submitted all of the initial letters, and it is now XX/XX/XXXX, and I have yet to receive anything from either 1 of  the Credit Bureaus. Please note that I am in the process of buying a home, and the investigation, and response of these are extremely important. At this point, the credit reporting agencies are in violation of section 611, and 623 of the FCRA.

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 2020-09-14 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: GA

Complaint narrative:
I located some negative accounts reported on my credit report, and decided to request an investigation process pursuant to section 611 of  the FCRA. After I sent my first set of disputes dated XX/XX/2020, I received a 1 document only from XXXX stating that, the letters were ineligibles, so on XX/XX/2020 I re-submitted all of the initial letters, and it is now XX/XX/XXXX, and I have yet to receive anything from either 1 of  the Credit Bureaus. Please note that I am in the process of buying a home, and the investigation, and response of these are extremely important. At this point, the credit reporting agencies are in violation of section 611, and 623 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: MD

Complaint narrative:
I have been working tirelessly to fix my credit. There have been several collection accounts that were not and are not mine and I have found misinformation as much as accounts on my report that are different socials but my same name reporting inaccuracies. TransUnion has deleted 3 major COLLECTION accounts from my. Report that werent mine and Im grateful But they are DROPPING my credit score rather than rising it WTH? I had a collection drop off they gave me one point, today XX/XX/2020 I got alert 2 bad collections were removed and the DROPPED my score from XXXX to XXXX something is wrong and I want explanation and fixed!

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 2 hard inquiries I have already disputed more than once with XXXX in writing for XXXX/XXXX that I never authorized on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly to XXXX/XXXX and asked for evidence otherwise to submit request to delete to the bureaus immediately. I have this same inquiry for XXXX   on XX/XX/XXXX and have also disputed more than once directly to them. 

I have 2 hard inquiries reporting to XXXX that I also never authorized from Kohls/XXXX on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly more than once and with Kohls and yet they have not provided evidence because they dont have any and they have not removed the inquiries from my report which is hurting my credit rating. 

This has been a lengthy process of disputing and waiting for responses that has ridiculously taken about 6 months! I know I have a right to either see proof of credit extension or the inquiries must be removed. I also have a Identitytheft.gov formal submission including these inquiries. FTC Report No XXXX

Company response to consumer: Closed with non-monetary relief