vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 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: CITIBANK, N.A.
State: PR

Complaint narrative:
I was charged full amount for delivery of items that I received incomplete. XXXX alleged that I received them but I notified to them by email and phone about the problem. 
The delivery company left the items on the front door due to the COVID-19 but they were incomplete. I agree to pay the delivery charges but I received them incomplete so I should be charge for the ones I received. Citibank did not considered the reasons for my dispute and accepted as good their side of the story. 

XX/XX/2020 XXXX XXXX XXXX XXXX {$83.00} Purchased On XX/XX/2020 Posted On XX/XX/2020 Category Merchandise - Furniture, Home Furnishing / Equipment Merchant Country Puerto Rico

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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I file a complaint with Wells Fargo about my XXXX dollars because XXXX XXXX took out money for yearly membership fee and I cancel my membership Wells Fargo has not gave me my money back yet

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 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company

Complaint narrative:
I received an invoice dated XX/XX/20 in the amount of {$350.00} for supposed medical treatment from an ambulance company. Thirty days later I received a noticed from a collection agency now asking for {$420.00}. Per the FDCP, I'm not sure this constitutes a reasonable period of time before referring to collection agency as well as reasonable charges added to the supposed debt. in addition, I never received a copy of any signed form the clearly outlines payment timeframes as well as any future fees that could be added which is required by the FDCPA. Lastly, this invoice is fraudulent by nature since I received no medical treatment or transportation from this company. Any form I may have been coerced into signing was due to being severely intoxicated. The police officer involved also advised my parents that treatment and transportation was turned down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In 2017 created an online account with Equifax at XXXX XXXX XXXX XXXX i was having security issues with my phone and learn that an online account with Social Security had been hacked i filed a complaint with FBI IC3 but left credit account alone now when i try to start a online account with Equifax it has a bunch of questions about retail cards and loans which i do not know because its been years since i have had a loan of any kind and 1credit card years ago for a breif time i tried answering none of the above it still locks me out i have called them i still cant get access so i can lift freeze even temporary still the people that have access but maybe i can get it where can lift freeze so i can apply for things

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: MA

Complaint narrative:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

Name Account : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have kept all documents sent to the company along with certified mail receipts. I will use this in courts as proof.

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 2020-11-18 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: PA

Complaint narrative:
I like to file a dispute for the following accounts. XXXX XXXX, XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXX {$780.00}, XXXX XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX {$3700.00}, XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX {$12000.00}. These accounts are all fraudulent accounts. I have reached out to these creditors inquiring about these accounts and have ask them to provide me information on when these accounts was open, how was they open, what address and what type of information was used to open these accounts. These creditors stated either they have to find the information or they could not provide that information as some of these items are old. I have never opened up any accounts with these creditors and I believe these accounts was open up fraudulently in my name. The following inquiries are also fraudulent as well. XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX Inquiry date : XX/XX/XXXX, XXXX Inquiry date : XXXX  XXXX, XXXX, XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, I have attached a copy of my Identity Theft FTC Report. The report number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-18 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: TN

Complaint narrative:
Experain is reporting inaccurate Information on my credit report it shows XXXX should went up cause my credit utilization is low it 10 percent to be exact.

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 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has not removed fraudulent accounts obtained in my name I have filed a police report and an FTC report for identity theft XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion 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 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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The XXXX account was finally re-established with the correct balance but after 28 days of multiple emails, telephone calls and visits to the branch. 
The balance funds were not available for since XX/XX/XXXX until XX/XX/XXXX and the bank has not produced any explanation after multiples request. 
The bank failed : Availability of deposited funds, account freezes, transaction holds The account disappeared without explanation impeding receiving and making payments. 
The bank made errors crediting the account Debit card was cancelled without justification Problems accessing account online and mobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: KY

Complaint narrative:
This account was opened in 2015. This account is still inaccurate and I want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
My home loan servicer was recently transferred to Arvest Central Mortgage. In the past 25 years, I have had over 10 home loans across 7 properties, with even more servicers along the way, since it seems every other year the loan is being transferred. 

Arvest is the first servicer I have encountered that charges any fee ( in their case, it's {$5.00} ), to submit a payment online. I do not believe that incurring a {$5.00} charge to submit an online mortgage is acceptable industry practice. That is a barrier to making a payment, in which they assess steep late fees if not received. This is the year 2020 in which entire businesses are conducted online, so charging {$5.00} to submit a payment, as opposed to mailing a check where there is no fee, is archaic and a money-grab.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME 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 2020-11-18 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME 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 2020-11-18 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a drop in my XXXX XXXX due to high utilization of my Capital One Quicksilver credit card as reported on XX/XX/2020 ; however, my balance was paid in full ( as is the case every month ) on XX/XX/2020. My credit card is due the XX/XX/XXXX of each month, payment is usually reflected on my credit report on the XX/XX/XXXX or XX/XX/XXXX each month. I do not understand why my account was reported earlier than the due date as I pay on-time each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
This is my 3rd complaint on this matter. Usaa sent my vehicle out for repossession status. I paid all back owed. Usaa is still improperly reporting past due on the account. I paid all past due balance, usaa is reporting wrong information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX collection agency I C SYSTEM added a derogatory mark on credit report per XXXX XXXX upon further research, the account was transferred /sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there is NO written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, I C SYSTEM has violated my rights as a consumer and im requesting legal action to remove this account immediately

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 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
XXXX/Loancare. They bought our loan. We paid timely. For a year we had no problems, then we get a bill saying our loan was behind two payments. It is not true. I sent proof of payment from my bank XX/XX/XXXX. Got email saying I paid to the wrong loan no. Why was it not a problem before? Now they can not seem to handle transfering the payments to the proper account, even though theyve been doing this for over a year!. Lost 120 points on credit score! Called at least 6 times plus about 6 emails. They are so incompetent they can not even give us a provisional credit! This is affecting our health. They continually make deadlines and then break them.

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 2020-11-18 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: Avant Credit Corporation
State: TX

Complaint narrative:
Avant has put my credit card on hold for two weeks now and I didnt get anything done on my account no letters no phone calls and they are holding me responsible for a minimum payment for the fraudulent charges and they are taking too long with the Investigation and I need to use my new credit card and move on ... and Im not getting anything better from customer service and Im slowly losing my patience ... and I would need a payment wavier or some kind of status on my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC
State: NJ

Complaint narrative:
My present mortgage home loan company is XXXX XXXX, ( XXXX XXXX ) In XX/XX/XXXX I was going through a financial hardship and my house was in foreclosure, and XXXX XXXX was informed and there was a court case filed in XX/XX/XXXX XXXX  -- --, I was getting help from NACA Id XXXX -- to save my house, Everything was Buddle into one and a afordable modification by XXXX XXXX XXXX was made in XX/XX/XXXX, and was paid up to XX/XX/XXXX and is on forbearance with XXXX XXXX, due too me loseing my job due to covid 19, When Trinity financial services contacted me for the sum of {$10000.00} they were informed by me that everything was taken care in XX/XX/XXXX. 
I get a Summons from superior court of XXXX, and got 35 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: MS

Complaint narrative:
Transunion, XXXX, and XXXX are reporting inaccurate information on my credit report. 
They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH violation.

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