vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: ND

Complaint narrative:
The response provided by USbank is NOT accurate... again. There must be some kind of misunderstanding here. I have attached the letter that they provided with their response and highlighted key statements. The red highlighted text identifies the inaccurate statement and is copied below. 

USbank red quote : " This balance transfer is the oldest balance on your account and is where your payments are being applied currently. '' -This is painfully untrue. The XXXX XXXX balance transfer identified in the letter for {$6400.00} is NOT the oldest 0 % balance. The OLDEST 0 % balance is the purchases balance of {$750.00}. Hence why the promotion on the {$750.00} balance ends almost a year sooner! 

The yellow highlighted text is USbank 's acknowledgment that all of my accounts are 0 %. Therefore, all future and past payments should have been applied to the OLDEST balance first ( {$750.00} ) until it reached ZERO $ .

USbank yellow quote : " As explained in our previous response, for balances with the same Annual Percentage Rate ( APR ), payments will be applied to the oldest balances first. As all of your balances are currently at a 0 % APR, this is the rule that pertains to your account currently. '' - The " rule '' mentioned in this quote should in fact pertain to my account, but that has not been the case. In fact, this statement describes EXACTLY what I am trying to resolve. So again, why are my payments NOT being applied to the OLDER 0 % balance of {$750.00}? The quote above clearly states that they should be!

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have had American Express, for twenty years, since completing college, in XXXX. 
I have never had a problem like this with my two credit cards. The bills were paid, early, each month. 
However something changed from XX/XX/XXXX to XX/XX/XXXX. I was admitted to the XXXX. During the stay at the XXXX, my credit cards and checking account numbers were compromised. An assailant was using my bank accounts. There are several criminals with the same phone number. 
I reported this to the police, the attorney general and to American Express. A criminal made three false payments to my Amex accounts from XXXX to XXXX and they changed my address to one in XXXX, NJ. I believe that the individuals who had stolen my items from security, at the XXXX, from XX/XX/XXXX to XXXX XXXX, started fraudulently damaging my credit and banking accounts. In XX/XX/XXXX, I set up a new checking account to make payments to Amex, however, without a notice, my Amex accounts were cancelled, two days, before the due date. I am a XXXX, I work XXXX and I also sell items to pay for my credit cards each month. I have enough money to maintain my cards. I would like to reinstate both accounts. Again, I have a long standing history with the company, and this problem should not have occurred. What is the best possible way to have the accounts reinstated?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have attempted multiple times to address the wrong fraudulent information on my credit report from Capital One however no matter how much I try and how much proof I have provided them they still are yet to take care of this issue promptly which is making my credit score suffer. 

You can Refer to the document I provide below & look specifically at the Capital One account of which I never opened. As I was a victim of Identity theft. 

Please help me solve this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: MS

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Tuesday XX/XX/2022 the Citibank is closing mine. 
This is every wrongful to close mine account. 
I need someone to investigate this. I call Citibank talk to customer they did not helping me at all them every meaning to me, and XXXX to me and said am XXXX have no money and dont need to open the account. 
I would like Citibank turn in all phone call when talking to the customer on the record line when I call customer service. 
That is every XXXX by Citibank customer.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/2022, I called Equifax to dispute 2 accounts that I have been trying to eliminate for more than 6 months, XXXX XXXX attended me without last name since by treating me in a hostile way he informed me that he could not give me the last name that the Equifax company prevents him from providing, I notify him that he has to identify himself and he refused 3 times to do so. I inform you of my situation that I send an identity theft report, which indicates that this document did not reach them, I inform you that the report is from the FTC and it indicates that it is not an eligible document to eliminate an account for being opened fraudulent. I tell him to give me or send me the independent investigation they used to determine that the accounts belonged to me and he informs me that he does not have access and that he does not know where to get it. XXXX Violet my rights several times don't tell the truth about the FTC report He admits that they have the report, and tell me the report tho work for delete fraud accounts, he doesn't identify correctly and failed to service by sending me the investigation Equifax use to determine the 2 account are my. I dispute and XXXX give me this account numbers XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to XXXX disputing 6 accounts as fraud on XX/XX/XXXX via fax with return receipt. After receiving no response after 30 days, I again sent a letter to experian on ( XX/XX/XXXX ) via the online CFPB consumer complaint portal. I received notice via that same CFPB portal that XXXX received the dispute letter on ( XX/XX/XXXX ). As of XX/XX/XXXX XXXX responded back to the CFPB complaint stating what has been removed and what has been verified without proof of method of verification used and well after 30 days for the 2nd time. Federal law that protects my rights as a consumer states that credit reporting agencies have a total of 30 days from receipt of a debt validation request to provide proof or remove accounts. XXXX continues to violate my federally protected rights by displaying their disregard for the law by responding after the 30-day threshold. It is now ( XX/XX/XXXX ) and I still have not received a response from experian in writing other than a later than 30 day notice through the CFPB online portal. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to XXXX disputing 6 accounts as fraud on XX/XX/XXXX via fax with return receipt. After receiving no response after 30 days, I again sent a letter to XXXX  on ( XX/XX/XXXX ) via the online CFPB consumer complaint portal. I received notice via that same CFPB portal that XXXX received the dispute letter on ( XX/XX/XXXX ). As of XX/XX/XXXX XXXX responded back to the CFPB complaint stating what has been removed and what has been verified without proof of method of verification used and well after 30 days for the 2nd time. Federal law that protects my rights as a consumer states that credit reporting agencies have a total of 30 days from receipt of a debt validation request to provide proof or remove accounts. XXXX continues to violate my federally protected rights by displaying their disregard for the law by responding after the 30-day threshold. It is now ( XX/XX/XXXX ) and I still have not received a response from XXXX  in writing other than a later than 30 day notice through the CFPB online portal. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have an auto loan with US Bank. In 2019 I filed for bankruptcy and re-affirmed the loan. When the bankruptcy was complete in XX/XX/2019 US Bank stopped reporting to any of the XXXX XXXX XXXX. I am trying to refinance this loan to reduce payments and I can not because nothing is showing that I even have an auto loan. I need a way to show that I have been making all of my payments on time and I am in good standing.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CO

Complaint narrative:
frequent call culminating with calls to my girlfriend and leaving messages at her number...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have provided evidence regarding identity theft on my credit report to both a credit bureau ( XXXX ) and the lender ( JPM Chase ) however the lender claims that the identity theft dispute is a " civil '' matter and XXXX will not conduct an independent investigation, all they are doing is simply asking the lender to confirm the validity of the account balance, which the lender insists is valid. The identity theft that I am describing was perpetrated by my father, who would apply for credit cards using my identity for his own personal gain. He would make mandatory minimum payments on the cards without any intention of paying them off. After he died in XX/XX/XXXX, payments ceased, and it adversely affected my credit score. Evidence I have provided to support my claim of identity theft is as follows : 1. Police Report with the XXXX XXXX XXXX Sheriff 's Office naming my father as the perpetrator and discussing the case matter 2. Letter from XXXX XXXX stating that a bank account in my name which was used to make payments on the JPM Chase credit card was not created by me, instead was created by my father when I was a minor. 
3. JPM Chase statement showing a {$13000.00} payment processed at a business controlled by my father 4. Articles of Incorporation showing the business was controlled by my father.

I have contacted JPM Chase repeatedly regarding the matter. They have either ignored my evidence that I presented to them by email on XX/XX/XXXX and XX/XX/XXXX, or they have simply stated that the matter is a civil one between my father and I. I have asked them to produce a copy of the original credit application and they have not honored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX has listed an account for collections on my credit report for over XXXX XXXX I have disputed this more than five time with XXXX  including documents that i an a victim of identity theft! I was involved in two major data breeches. I also reported this to XXXX. Yet they still considered this to be a valid account. I was incarcerated when this account was opened it in not possible that i applied for a credit card while in prison. I also have records from the prison of my time incarcerated. This needs to come off my report as i have done everything i was suppose to. I reported it with the identity theft bureau and have a freeze on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
Dear CFPB Team, My lender Citadel is not responding to any of my emails or phone messages. I was placed on an approved forbearance during the Corona Virus Shutdown and have not missed any payment since the forbearance ended. However, Citadel is treating our account as late and has caused us unbearable stress and threats of foreclosure. Their representative, XXXX XXXX XXXX from XXXX requested that I provide a locked loan approval to suppress any negative credit reporting so I could finalize my refi with a new lender. I did submit the locked loan approval about 10 days ago which will expire by the end of this month. However, Citadel has not reported as us current and we tried to get a hold off XXXX XXXX XXXX from their Customer Advocacy Team ( who is handling our account for the past year ) via email and phone for 1 week now without any success. Moreover, we have tried to get any other supervisor on the phone without any success. No one is returning emails or our phone calls and our last 3-month mortgage payments, which we made over the phone with a live representative at Citadel, were initially accepted and then returned to us a couple of weeks later via check. It seems they are trying to avoid speaking to us so they can start the foreclosure process. The moment we asked Citadel to join the California Mortgage Relief Program which was created to help people like us, who fell behind and were placed on forbearance during the Corna Virus shutdown in 2020, Citadel started retaliating against us and placing our monthly mortgage payments without telling us into a suspense account and then returning the funds. We have not been able to pinpoint what they are hiding and why their upper management did decide not to join the California Mortgage Relief Program. It would have been a wonderful solution for us and them and it seems that their business practices are so shady that they are completely closing off their affairs to outside agencies. Furthermore, we tried again to get any representative on the phone yesterday and today who could help us with our refi issues and were told by XXXX XXXX from the collections office that he sees 3 prior requests by us for a supervisor call back which unfortunately have not been returned at all. Yesterday again, there was no supervisor in 3 different departments available to talk to us. This is completely unprofessional, unethical, and incompetent for a financial institution. Please help us investigate Citadel 's business practices. 
Thank you very much. 
Best wishes, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are auto loan inquiries reporting on my credit report and its so many. I tried to call them but the companies were so nasty and saying theres nothing that they can do they deal with third party. I never applied for any car loans and it has destroyed my credit. I worked so hard with my home and trying to keep everything paid during the pandemic and here goes these inquiries that I did not authorize showing up. from many companies like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also the three Credit Bureaus are not updating my credit score properly, I had a 99 % -100 % pay rate and debt to ratio have been where its suppose to be and I have never obtained a XXXX + credit score even with me owning my own home and paying off vehicles. Even while being a victim of XXXX fraud victim, they still have not updated me on the status of my compensation on that issue.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These credit bureaus have been contacted several times regarding an inaccurate address on my credit report, in order to have it removed from my credit report. When I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC, or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to the FTC and still, they didn't delete the inaccurate address from my credit report. This inaccurate address is causing me issues, because not all of my mail is coming to my address, and it makes me susceptible to fraud, to which I have been a victim of before.

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