vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AES/PHEAA
State: TX

Complaint narrative:
I have been disputing the late payments showing on my account for Fed Loan Servicing which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have been disputing the late payments showing on my account for Capital One which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Ive been a customer with AMEX for almost 5 years. Always made my payments, and have paid my balance in full several times. Amex have gone out of their way to prove to me how much they dont value me as a client. And as much as I hate to say it, I strongly believe the reason for the way theyve treated me as a client is due discriminatory reasons. Let me explain. 

Ive have my Hilton Card since XX/XX/XXXX, my limit has remained the same. Ive requested for an increase several times and AMEX always come up with a reason to reject them. I would work on the decline reasons and reapply at a later time and they still decline my requests. To make matters worst, not only they never increase my limit, in XX/XX/XXXX, ( almost 4 years after being a loyal customer ), they decided to LOWER my credit limit by 80 %. I had to go through a lot of hassle to regain my original credit limit. I had to pay to fax income information, copy of my credit report with my scores ( my scores were over XXXX ), spent hours on the phone dealing with the assigned department. 

Now, as of XX/XX/XXXX, AMEX have completely remove the option for me to request for a limit increase. I can no longer apply for a limit increase. Have I really been that bad of a client to get that kind of treatment? 

We also had a Gold card, which was suppose to be a no preset spending limit card. Well 2 months after having the card, and AFTER AMEX charge us the {$250.00} annual fee, theyve placed a limit on that card too, a lousy {$2000.00} bucks was our credit limit - ON A GOLD CARD! Unfortunately we were never able to remove the {$2000.00} limit cap that was placed on our Gold card because AMEX refuse to acknowledge my personal income because my wife was the primary owner of the card. So we were forced to cancel the card for obvious reasons. 

Its a shame what Amex have come to be. I used to have high regards for Amex, but now its almost disgraceful what theyve become as a company and the way theyve treat their customers. And Ive heard the same feedback from many others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Ive been having trouble trying to get this item removed from my credit. To my knowledge I maxed out my credit card while going through financial hardship. My credit card limit was {$500.00}, It says I owe a whopping {$790.00} which is ridiculous. Ive proven I was able to make on time payments, by going from {$300.00} to {$500.00} increase. The last payment I made was on XX/XX/2020 in an attempt to start clearing the debt, and they decided to close my credit card on XX/XX/2020. I would like to see what can be done about this, Is one of the more serious reasons my credit score plummeted, making it hard for me to acquire almost anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am visiting from XXXX, and wanted to purchase a prepaid XXXX card to make a online retail purchase, as the retailer does not accept credit cards that do not have a XXXX billing address. On XX/XX/XXXX, I purchased {$100.00} on a variable amount prepaid XXXX gift Card from XXXX # XXXX in XXXX XXXX, CA at XXXX am PST. The card is issued by U.S. Bank National Association. The tab covering the XXXX digit number was intact, and the cashier gave me an Activation slip showing the card was " activated '', and had a {$100.00} balance. I went to the card provided website to register the card, and after XXXX or more attempts to register the card, I was directed to call the website. After waiting for XXXX minutes to speak to an agent, I was told that someone had tried to use the number on my card on XX/XX/XXXX, XXXX days PRIOR to my purchase, and my card was no longer active. The card could not be reactivated for me to use, and my ONLY RECOURSE is to have a new card mailed to me within XXXX business days to the XXXX address where I am staying. 
I am returning to XXXX on XX/XX/XXXX, and the issuing institution is '' unable '' to either provide me with a new card number over the phone for me to use online immediately, or expedite sending me the new card prior to me returning to XXXX, as " their courier can not guarantee delivery from XXXX, FL within XXXX days due to the holiday ''. 
The card can not be used outside of the XXXX, so I can not have it sent to XXXX to be used there. I essentially have lost {$100.00} XXXX ( {$100.00} plus the {$5.00} activation fee ) as I can't make the purchase I intended prior to returning to XXXX, and I won't be at the address they are sending the new card to use it. 
The fraud in my situation is not that someone tried to make a purchase with the number on the card I selected prior to being purchased. The fraud was committed when the issuing institution, U.S.Bank National Association, allowed the retailer ( XXXX # XXXX ) to accept payment and provide an " Activation Status Receipt ", knowing the purchaser would NOT be able to use the card until they called the issuing institution to find out why the card didn't work. 
The issuing institution is essentially stealing my money for XXXX days, and charging me a fee of {$5.00} to earn interest on my money while I wait for them to return the stolen funds. If I had not call them, but tried to use the card at an in person retailer or restaurant, I could have faced humiliation, embarrassment, or even legal consequences as the card I expected to be " Activated ", ( I wasprovided me with a " Activation receipt " ), would have been rejected, and perhaps had no other funds to pay.

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 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my credit reports from all XXXX main agencies XXXX, XXXX, and Transunion shows incorrect addresses, incorrect name, along with inquiries on my credit that i did not authorize. I will provide the information that is true and correct and should be visible on my credit report all other information should be deleted immediately as this is causing me harm due to these items having a direct affect on my 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 2022-01-20 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: CA

Complaint narrative:
On my credit reports from all 3 main agencies XXXX, Equifax, and XXXX shows incorrect addresses, incorrect name, along with inquiries on my credit that i did not authorize. I will provide the information that is true and correct and should be visible on my credit report all other information should be deleted immediately as this is causing me harm due to these items having a direct affect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TX

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-20 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: Paypal Holdings, Inc
State: KY

Complaint narrative:
I loaded money into my PayPal account to pay my electric bill only to have PayPal freeze my funds without reason or explanation..they are telling me the ban is permanent and I have to wait 180 days for an email describing how to get my funds released... I worked hard for that money only to have PayPal inc freeze my account without explanation or reason... I have children in the home and now I have no money to pay my electric bill because PayPal is illegally holding my money without my consent or even knowledge as to why..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX 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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently filled a complaint against, XXXX and Transunion for a collection account The bureau sent me a letter stating that the information was true and would not be removed but updated as paid. The debt collection service XXXX  ( XXXX XXXX XXXX ) recognized that there was a error with what XXXX XXXX my have reported to them especially since XXXX had a high volume of complaints over XXXX with the XXXX with the same issue I had complained about, XXXX sent notice to the credit bureaus to remove item from my credit report. I spoke with XXXX XXXX at XXXX and he said he would send a letter of deletion to me XXXX and Transunion only removed the item when XXXX XXXX XXXX XXXX XXXX  ) contacted them and requested it to be removed. XXXX removed the item but then lowered my credit score by by XXXX points. Transunion lowered my credit score also.XXXX  sent me a letter and did nothing but update my address and stated information was accurate and paid .Trans union sent me a form with their procedures.Its no wonder XXXX has XXXX  complaints in the last 3 years. TransUnion has XXXX complaints in the last 3 years. I have included both letters from TransUnion and XXXX. I also included some complaints from the XXXX for XXXX and Transunion.

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 2022-01-20 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have no knowledge of this and constant phone harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXX  XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXX 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 2022-01-20 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: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
I have been disputing the late payments showing on my account for Security Fin which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

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 2022-01-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX and I was taking advantage due to malpractice while several laws were being broken under the FCRA by your company. 

This has caused me financial Injuries also deformation of character I cant get a job, I cant apply for credit, I cant get any loans or a house for my living Stability or anything like that due to the pandemic under this crisis you had hurt my Ability to obtain credit which greatly impacted my life & well being!

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 2022-01-20 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: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, XXXX and XXXXXXXX aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXX  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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I have attempted to resolve this issue via customer contact and supervisors to no avail. This is regarding a credit consolidation issue with 5th3rd bank. I contacted XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX regarding a credit consolidation. The amount of {$3900.00}. XXXX advised a 1-7 days for the transaction to post. I contacted 5th3rd on XX/XX/XXXX as the amount was not posted. The representative advised the process takes 2-4 weeks. I called back to 5h3rd on XX/XX/XXXX which is 4 weeks and was advised there was no transaction. I have called back a total of 8 times and spoke with two supervisors who basically told me this is not their concern as there is nothing to trace. I guess its true that customer service is just dead and I as a consumer need to take action into my own hands as nobody really helps a customer. Here is the details of the " electronic transfer '' from XX/XX/XXXX. XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Amount- {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good evening. 

On XX/XX/2021, I noticed there was an usual charge on my credit card for {$150.00} at XXXX, NJ XXXX at a place called, " XXXX XXXX ''. When I realized this was a fraud, i immediately called Chase customer service this charges was not made by me and it is fraud. They refunded me back the amount of {$150.00}, cancelled and sent me a new card. Later around the month of XXXX I discovered I was then charged again for the amount of {$150.00} which I then called Chase customer service letting them know this was a mistake. They told me they took the refund back because it was an authorized purchased. and they can't do anything about it. I later wrote an email to Chase fraud recovery Department stating it was not an authorize purchase from me. 

Please help me rectify this issue.

Company response to consumer: Closed with explanation