vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX  XXXX Balance Owed : {$380.00} XXXX  XXXX Balance Owed : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: DISCOVER BANK
State: FL

Complaint narrative:
Old late payments keep popping up which wasnt late auto loan. 
Discover is reporting negative and its not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
With my bank I filed a claim that on XX/XX/2021 that a transaction was made of {$4100.00} that I didnt give permission for. The bank denied my claim. They didnt even give a reason of doin an actual investigation. They put fraud on my account and issued me a new card.

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 2021-11-10 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: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX. Opened a case. Vape  company in XXXX scammed me with a defective product. 

XX/XX/XXXX I inform cashapp there is not an option to dispute via services not as described. We banter back and forth. 

XX/XX/XXXX : On Sat, XX/XX/2021 at XXXX XXXX, Cash Support XXXX wrote : Hi XXXX, This is XXXX, Thank you for your patience during our delay and I hope you're doing well and you've been staying safe during this time. 

We will update you with the required information to open your claim within 10 business days.

After this I reached out multiple times starting XX/XX/XXXX and never received a response again. I believe they blocked me from opening a support ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TX

Complaint narrative:
I recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # XXXX This is my second complaint regarding this matter. Equifax still refuses to remove the account and they are fully aware that it is updating every month, as stated in a recent letter they sent me. They should also be aware that this is unlawful, per FCRA rules and regulations, and this account needs to be removed from my report. XXXX has already complied and Equifax needs to follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase closed my account down on XX/XX/2021 I had a remaining balance of XXXX XXXX stated date and is holding my money in a demand deposit account and will not send me the balance of my funds doesn't give me any reason why the funds can not get milled to my address on file and when I call to speak with them never get any answer and get placed on hold for up to two to three hours on hold and then just get hang up on because of this action that the bank is taking have my family homeless without money and without a place to stay and have to pay for motels hotels and now got us living in a homeless shelter all I want is my funds so I can pay off my mortgage and sell my house so me and my family can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Several weeks ago I added an AMEX merchant offer to my American Express Gold Card whereby I could purchase a new XXXX XXXX XXXX membership for {$45.00} and receive a {$25.00} statement credit. On XX/XX/XXXX I did so. Unlikely usually with AMEX offers, I did not receive a confirmation email of the offer being used/triggering and in the few weeks since have not received an indication I would be receiving said {$25.00} statement credit back. While AMEX 's terms say they can take quite some time to provide the credit nonetheless usually AMEX is quick with such credit provision. I online chatted with an AMEX representative to clarify on why it was taking so long to receive my credit, or any indication that it was eligible, and the AMEX representative said that the XXXX XXXX XXXX purchase was not eligible. 

However, based on the terms of the purchase, I followed the AMEX offer exactly down to the letter. I have not been a XXXX XXXX XXXX member in anytime in recent memory, the purchase was for a regular new club membership and not a plus membership, the purchase was online through XXXX, the purchase was not combined with any other offers, and it was for {$45.00}. There is no legal reason why I am not deserving of/entitled to the {$25.00} credit, as I very likely would have not purchased such a {$45.00} membership without AMEX inducing me on the promise of a {$25.00} credit and I followed the offer terms exactly.

I am concerned that AMEX has seemingly improperly coded the purchase, making it so many others may also not be receiving their credit ( if anyone at all ), and their inability to look at the case beyond the coding such as looking at receipts or appeal to a manager/supervisor. Either AMEX has made mistakes with their coding for this offer or is engaging in unfair/deceptive/abusive acts or practices by inducing people to purchase a new XXXX XXXX XXXX membership and not giving them their credit that they are entitled to receive based upon following the terms and conditions exactly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, Tx informing her of the incorrect amount of debt XXXX XXXX XXXX XXXX charged me. The misinformed document stated that I owed them for " Replacement Keys '' in the amount of {$100.00}. The referred keys were actually left in the kitchen drawer ( near the refrigerator ) the night I vacated my apartment ( Unit XXXX ) on XX/XX/XXXX per XXXX XXXX XXXX request. I informed earlier that day on XX/XX/XXXX that I would be moving out after office hours, so how should I go about returning my keys. That is when she informed me that I should just leave them in a drawer and take a photo of said keys and email it to her for proof. I did exactly what she asked of me. I then, reached out to her the next day informing her about a gate key that I had forgotten to turn in. She then asked me if I could mail it or turn it in. I drove to the XXXXXXXX XXXX XXXX XXXXXXXX and returned the gate key to a lady sitting at the desk. I emailed and let her know that I had returned the key, her response was " Thank you so much ". So, once I received the statement for " replacement keys '' from XXXX XXXX XXXX XXXX, I was confused and that's when I reached out via email on XX/XX/XXXX and XX/XX/XXXX when I never received a response on XX/XX/XXXX. I then tried calling, no answer so I left a voicemail. No returned phone call from the voicemail either. That week, I called a few times throughout the day and FINALLY got someone to answer the phone. I explained the situation to the lady who answered, and also informed her that a debt collection company ( I.Q Data International XXXX Inc. ) had been reaching out to me via mail ( it was only mail at the time ) regarding the incorrect amount owed that was stated by them. She then told me that they were super busy and it would take XXXX until the end of the week to read the email for proof in order to correct the amount. The end of the week would've been XX/XX/XXXX. I received no call back, no email, no correction. 
I reached out again XX/XX/XXXX and was told that they were still super busy and that I should hear something by the end of the week. The collection company has recently started to call me multiple times throughout the day, and it's really disheartening that this is something that could have been easily fixed and the harassment by the collection company wouldn't exist! I have been extremely patient with this situation. I do not mind paying what I owe. I just want to be treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on XXXX in the status section on XX/XX/XXXX but they updated there info to XXXX and trans union and they didnt verify I have proof of an old report from XXXX I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XXXX totally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on XXXX in the status section on XX/XX/XXXX but they updated there info to XXXX and XXXX XXXX and they didnt verify I have proof of an old report from XXXX I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XX/XX/XXXXtotally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on Experian in the status section on XX/XX/XXXX but they updated there info to experian and XXXX XXXX and they didnt verify I have proof of an old report from experian I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX  last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XX/XX/XXXXtotally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid my account balance in FULL. Six days later I was charged interest on purchases. But the balance was XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 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: LA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: MD

Complaint narrative:
I opened an account on the Crypto.com app on or about XXXX XXXX, 2021. I followed the app 's instructions on how to wire money into my Crypto.com account so that I could begin trading cryptocurrency. A wire of {$1200.00} was made and confirmed through my XXXX XXXX account. Crypto.com said a wire transfer would show up in 2 business days. Nothing showed up in my account, but I remembered that they said an ACH transfer could take five business days. I thought maybe I accidentally did an ACH transfer, so I waited about five business days passed before asking about my money. I began inquiring about my wire deposit on Friday, XXXX XXXX, by email. They asked for some specific information about the wire, which I got from XXXX XXXX and got to them. They now say the information must be in the form of a " proof of payment document, such as an official bank statement '' ... so i sent them a snapshot of my bank ledger and an email from XXXX confirming the transfer. They continue to say this is not enough. My paper bank statement does not yet reflect the transaction, and I wouldn't share my bank statement with them anyway. 
They are stonewalling me, running me around and not doing anything to help me locate my funds. 
I know that Crypto trading is high risk but I didn't think that I would have my wire transfer stolen in literally the first transaction I made. 
I have begun the process of recalling the wire transfer through my bank, XXXX XXXX, which can take up to 15 days and is not guaranteed. 
I just want to make sure Crypto.com is compliant with federal money transfer regulations and that this doesn't happen to others.

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 2021-11-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX  XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TX

Complaint narrative:
THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX US BKPT CT TX XXXX : XXXX XXXX XXXX : XXXX U.S. BANKRUPTCY COURT : XXXX PLEASE HELP ME REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the item that are still reporting on my Credit Reports and need to delete completely from my Credit Report : Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Equifax credit report continues to report a collection from XXXX XXXX in the amount of {$200.00} dated XX/XX/XXXX, even though the age of the account dictates it should be removed. Equifax also " re-aged '' the account to show it more current than it is in order to keep it on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX US BKPT CT TX XXXX : XXXX XXXX XXXX : XXXX U.S. BANKRUPTCY COURT : XXXX PLEASE HELP ME REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity bank is harassing me multiple times a day for over a month by phone after I told them to stop. This had caused an incredible amounts of XXXX. It's abusive and has triggered my XXXX XXXX multiple times. I feel like they are XXXX  me and is a really bad business practice. My cellular carrier and I have records of all the incoming calls. I have blocked them and they keep on using different numbers including Restricted lines to bypass all my blocking efforts. It's abusive and making my life more difficult. I am XXXX and live on XXXX. Life during this pandemic is difficult enough for poor XXXX folks. This is making it impossible.

Company response to consumer: Closed with non-monetary relief