vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This account was suppose to be in Covid 19 hold status, it was not. I went online and made a payment. I told the CSR that due to COVID 19 when I would get paid, could I change the due date and or extend the covid 19 hold status. Was told I could not, so I made a payment. At that time I told I would call back in as schedule a payment when I knew what day I would get paid. I did this. Citibank said I didn't and charged me a {$39.00} late fee. I feel that they are trying to take advantage of minorities.

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 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I contact Sequium XXXX XXXX on more than one occasion requesting information that it was me that open up the account I had sent them police reports, FTC report letting them know that someone opens up an account in my name fraudulently. Then sent me a letter stating that it was me that open it up and a bill. I never signed a contract with them, nor the company they are collecting for and they are not providing me with the details that I requested from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: GA

Complaint narrative:
THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This complaint is against Experian credit reporting agency. On XX/XX/2020, they downgraded my XXXX score by 22 points ( from XXXX to XXXX ). Theretofore, my score had consistently hovered around XXXX for YEARS. The only change to my credit portfolio was a recently acquired XXXX credit card for the purposes of 0 % financing of a whole-house generator. Note : my scores for the other two agencies, XXXX  and XXXX, were not affected ( XXXX and XXXX, respectively ). 
I'm very suspicious of Experian 's actions given that they promote their EXPERIAN XXXX service which purports to " ... raise your XXXX  Score* instantly ''. 
I can not fathom why such a draconian reduction in XXXX score would be warranted by the procurement of a credit card given that I have stellar credit otherwise.

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 2020-10-13 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
Responding to Southwest Credit System saying that they didn't need my signature. Well I just got off the phone with the Federal Trade Commission and Attorney General 's Office about this matter. That Southwest Credit System ( XXXX  ) who just sent me attachment of itemize bill statement. They stated that doesn't was not the truth that is why they said this month. FTC, State and Federal Law Enforcement Partners Announce Nationwide Crackdown on Phantom and Abusive Debt Collection Companies. Told me to keep them inform. They said according to the following : 1 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to verify, through the phyiscal verification of the original signed consumer contract- any accounts you post on a credit report. Otherwise, anyone paying to the CRA could fax, mail or email in a fraudulent account. ( So, they said your reply was not truth you are in non-compliance ).

This was stated to me by a FTC lawyer that if you continue in non-compliance to remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. XX/XX/1995 ).

2 ) According to pursant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that claim is disputed and validation is requested. You must provide the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing mysignature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX  ) this action might constitute fraud under both Federal and State Laws.

ALL NOTE THAT ACCORDING : As per FTC letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verifcation to pay the alleged amount.

I am also attaching a letter that I am sending by cerified mail to you guys. I am maintain a careful record of all my communications for the purpose of seeking damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: GA

Complaint narrative:
I mailed in dispute letters to all three credit agencies to investigate and delete incorrect information on my credit reports. There were several accounts that were either incorrect or not mine. The letters were submitted to the credit agencies on XX/XX/2020. It has now been 30 days and I have not been updated with the results of my disputes.

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 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: CO

Complaint narrative:
I opened an account with Discover within the last couple of weeks, but had issues using it online the entire time. I was able to make a small purchase online, but then when I was trying to make larger purchases  off XXXX and XXXX, both kept getting declined over and over despite my high credit limit and the purchases being nowhere near close to that limit. I called Discover on XX/XX/XXXX at XXXX XXXX to check and see what the issue was. I was told there was no issue with the card at all and it must be on the merchant end.

The morning of XX/XX/XXXX, I tried the same purchase again. This time, Discover set off NUMEROUS fraud alerts and began blowing up my email, texts, and my phone. One of the emails sent said that this was a fraud concern, but if I had already dealt with the issue, to disregard the message. Since I had literally spoken with them 14 hours before and I was currently at work in the middle of things, I assumed I did not need to call immediately. However, within the hour, I received a text message from my ex-husband saying Discover had called him looking for me. He has NEVER been on the account or associated with the account in any way
and Discover would NEVER have been given permission to contact him on my behalf under ANY circumstances. This was NOT a matter of me having defaulted on my bill for a year or something similar, which would be understandable. Rather, this was a matter I had ALREADY TRIED TO ADDRESS less than 24 hours prior and there was NO reason he should have ever been contacted about my account. When I contacted Discover, they said that they had found the number on my credit bureau report as a number I had been associated with historically. This number was NOT given to Discover by me in association with the
account at any point in time, and again, my ex-husband has NEVER had permission to have any sort of information given to him. Following this huge breach of privacy, I closed my discover account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: ERC
State: NC

Complaint narrative:
On XX/XX/2020, Enhanced Recovery Collections add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Enhanced Recovery Collections has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: IL

Complaint narrative:
I have submitted multiple complaints and have even gotten the dealership involved at this point. I have read multiple complaints via the XXXX  and I know I'm not the only person XXXX  has taken advantage of recently. One credit agency has seen through XXXX faulty claims and has corrected my cr

edit file. The other two need to as well or I have no problem getting my lawyer involved. I have previously included multiple documents. I am including what is new at this point. I ended my lease early because the dealership wanted my car back. The dealership agreed to pay the amount left on the lease. They didnt do so in a timely manner. Payment was due in XX/XX/2020, the dealership didn't pay it until XX/XX/2020. They DID pay it after numerous attempts on my part. My credit should not have taken such a terrible hit due to their late payment. XXXX has been sent a letter from the dealership themselves stating that this was in NO way, shape or form my responsibility or my fault. I no longer had the car and had signed over everything to the dealership in XXXX. I am including a document that states the dealership was supposed to pay in full what was owed as well as a letter from the dealership stating that it was entirely their fault. 
XXXX also falsely claimed they weren't sending late payments to credit agencies during this Covid 19 pandemic. So even if this were my fault, they have fully taken advantage of covid 19 to hurt a lot of peoples  credit. It is a terrible business decision on their part and one that will result in numerous lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My car loan is with PNC Bank. My car was repossessed on XX/XX/2020. I was not home when it happened. The repo company came to where I was and repossessed my car. I had spoken to PNC Bank on Friday XX/XX/2020. The teller I spoke to recommended that I schedule a visit with a PNC advisor. I thought this was a good idea. My car was repossessed before I could meet with an advisor. I never received any official writing from PNC in the bank. I was not given a chance to get current, nor was I given any kind of notice about repossession, or the possibility of repossession. I feel that PNC Bank was being punitive in repossessing my car, because I mentioned that I was thinking of trading my car in so I could start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2020 I received an alert from my Equifax XXXX XXXX XXXX subscription service that Equifax added a new address to my credit report. I immediately logged in to see the details and found the new address was incorrect. The INCORRECT address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX The second line in the above address is completely incorrect and should be eliminated. 

The CORRECT address should be : XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX I attempted to dispute the incorrect address and was guided to log in to a different Equifax account specifically for disputes. When logging in to that service, I forgot my passport. When attempting to reset the password, I told me to call Equifax at ( XXXX ) XXXX. I did call and was met by an extremely incompetent and useless Equifax overseas representative. The representative refused to accept my dispute. Further, she stated she would send me a password reset link, but she lied and never did that.

The representative also told me that it must have been one of the creditors that reported lately that gave the incorrect address. She gave me a list of the three recent tradeline updates. I checked all and they do have the correct address. In fact, I contacted every creditor I have and ALL have the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX durning the height of covid while I was working as an essential worker, I used my Macy 's American Express card to buy groceries at XXXXXXXX XXXX. The total purchase was XXXX. I did not receive an email notification I had a bill, nor did I receive a bill in the mail. 

All my credit cards are on auto payment and I thought this account was on auto payment as well. XX/XX/XXXX, I was charged a XXXX late fee. No one reached out via phone, email, or mail regarding account status. 

On XX/XX/XXXX, I was charged another late fee of XXXX plus interest. No email, or mail letting advising me of account status but someone did call on XX/XX/XXXX. As soon as I found out I had a balance on the card I immediately paid while I was on the phone. Payment went through on the card XX/XX/XXXX. The customer service rep credited me back one of the late fee XXXX which was appreciated. I thought everything was good and taken care of. 

After filling out a mortgage application, my credit score that had been XXXX to XXXX was dropped over 50 points. Went I looked into the massive drop in my credit score it was due to Macy 's America Express / CitiBank had reported my late payment after I paid them in full. Knocking my credit down 50 points substantially changed my mortgage rate. I reached out to customer service no less than 4 times. Asked for investigation and a review what they reported. Explained why I thought I had the account on auto payment, that I had not received a bill in the mail, via email, and no call until XX/XX/XXXX regarding account status. Although the reps seemed to want to help nothing was done about what Macy American Express reported to the credit bureau and my credit score is sitting at XXXX when it should be at XXXX to XXXX. The " late payment '' on my credit score is the only ate payment I have because again I always pay my credit cards in full on time. This can be verified and I am more than happy to provide documentation and/or my full credit report to prove that the one late payment they reported to the credit bureau dropped my credit score by over 50 points. This practice is extremely harmful especially durning a time of a global pandemic.

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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I contacted XXXX XXXX aka XXXX on XX/XX/2020 to request verification of Debt. On XX/XX/XXXX I contacted them again to notify them that its been 45 days and I still have not received anything. They placed me on hold and told me that my account was now with XXXX XXXX. I contacted XXXX XXXX and they had no idea who I was. Then I called XXXX XXXX on XX/XX/XXXX they advised that they just received my account the day before and it would be forwarded to a collection agency in the next 3-5 days. I gave  XXXX more then 30 days to provide verification of debt and once I pointed out that they did not follow the guidelines they forwarded my account to another company to try to cover it up.

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 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase bank received a loan for XXXX they wouldn't let me XXXX it caused me mental anguish and financial hardships had to close account w chase not allowed to bank w them ever again and owe them XXXX $ etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I have lost my debit card on XX/XX/2020 and XXXX unauthorized transactions were made against me. This drained my account and left me with a {$22.00} balance. After speaking to Amegy bank, they denied my claim because they think I still have possession of my card even though the reason I called was to report my card stolen/lost.

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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I contacted LVNV Funding aka Resurgent on XX/XX/2020 to request verification of Debt. On XX/XX/XXXX I contacted them again to notify them that its been 45 days and I still have not received anything. They placed me on hold and told me that my account was now with XXXX XXXX. I contacted XXXX XXXX and they had no idea who I was. Then I called XXXX XXXX on XX/XX/XXXX they advised that they just received my account the day before and it would be forwarded to a collection agency in the next 3-5 days. I gave Resurgent more then 30 days to provide verification of debt and once I  pointed out that they did not follow the guidelines they forwarded my account to another company to try to cover it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
On XX/XX/2018, National Credit System add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, National Credit System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation