vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I mislaid my credit card. I called the credit card company to report it and customer service was closed. The automated system said they would close my account and start a new account with new numbers. 

Since I have a promotional balance that is due next month, I dont know how that will affect it.

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 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DataMax Corporation
State: NC

Complaint narrative:
Letters sent by XXXX XXXX XXXX XXXX XXXX for {$1700.00} XX/XX/21 Never heard of them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Debt collectors reported 120 day late status on credit reports. Sent many letters to try and have this fixed. Did not fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I already called several time and wrote a letter for Citibank about this issue but they still refuse to give me a credit. On XX/XX/2021, the merchant : XXXX XXXX XXXX in XXXX charge me for a service that I did not authorized. So, I went back to XXXX personally to clarify this matter and the merchant informed me that this was a mistake on their part. Unfortunately, they told me they don't issue credit there, and that to ask my bank for the credit and their bank at their end will take care of it as well. However, until now, Citibank has refused to issue me a credit of {$920.00}. I already fax my letter explaining what happened. Everytime I called citibank, I was told that it will be handled accordingly, but until now, I am still waiting for my credit of {$920.00}. 
I have been a loyal customer with Citybank for over 10 years, and I pay my bills in full on time. 
Please help me get resolution on this matter. 

Sincerely, 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 2021-05-10 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX reported 120 day late status on credit reports. Sent many letters to try and have this fixed. Did not fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
Against Penny Mac mortgages I am formally disputing the appraisal, based on the XXXX XXXX specifically listed reasons contained within this email- there has been a gross material misrepresentation by the appraiser, which I also intend to take up the city 's licensing board for appraisers as he was asking my opinion of value and for information on the unit. 

The company is refusing to reconsider the appraisal or even allow me to conduct another appraisal. They also have provided no response to my requests for answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/2020 I was forced to close my CITIBANK checking account and re-establish a new account due to suspected fradulalent activity. I am unable to establish a checking account due restriction placed on me through a company called XXXX XXXXXXXX XXXX. I have been in contact with XXXX XXXX XXXX and have an unresolve dispute. I believe misleding information reported by CITIBANK to XXXX XXXX XXXX  regarding the suspicious activity that had occurred with my personal banking account. I have no balance owed to any financial institution including CITIBANK. Why am I being restricted? I was the victim.

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 2021-05-10 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian is reporting that I have a negative or late payment with XXXX XXXX for my auto loan that was reaffirmed after my XXXX XXXX XXXX. I had disputed this account with Experian before because they reported it was included in my XXXX and the results of the dispute dropped my score and in the comments it says consumer disagrees and I was looking at my Experian report today XX/XX/XXXX and it shows a negative for my XXXX account on XXXX of XXXX but I have never been late and I tried to dispute the information that is now wrong and I am not able to. I have screenshots of the wrong information from Experian. I feel Experian has made inaccurate reports on my credit history and it is affecting my credit because I recently had a credit card company close my account that I had for almost 14 years with never a late or missed payment and they also said I was 120 days late but after contacting them they said I was never 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 non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XX/XX/2020 I was forced to close my XXXX checking account and re-establish a new account due to suspected fradulalent activity. I am unable to establish a checking account due restriction placed on me through a company called Early Warning Services. I have been in contact with Early Warning Services and have an unresolve dispute. I believe misleding information reported by XXXX to Early Warning Services regarding the suspicious activity that had occurred with my personal banking account. I have no balance owed to any financial institution including XXXX. Why am I being restricted? I was the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I received a letter from Caine & Weiner about a debt that I do not owe to XXXX XXXX company in the amount of {$280.00}. 

I mailed Caine & Weiner debt collector a debt validation letter so that they may validate the debt that is stating is owed by the XXXX  aka XXXX XXXX XXXX XXXX The {$280.00} has been discharged or written of by XXXX XXXX XXXX and can be confirmed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My XXXX Credit report showed a closed account with Comenity Capital Bank as having been 60 days overdue with the highest balance of {$900.00} higher than the credit limit of {$500.00}. The account was reported late due to a disputed {$7.00} finance charge that I was unaware of. In addition the report of an over the limit charge was incorrect since the limit was {$10000.00} when I made the last charge on the card. 

Between XX/XX/XXXX and XX/XX/XXXX, I made purchases totaling {$870.00} using my XXXX XXXX credit card account. That was the last time I made a charge on the card. 

I made the full payment of {$870.00}, which was debited from my checking account on XX/XX/XXXX. 

I moved from XX/XX/XXXX to XX/XX/XXXX at the end of XX/XX/XXXX and thought I had paid the bill in full so that I was not expecting a {$7.00} bill from the Credit Card company for accrued interests. I was completely unaware of the bill. 

In XX/XX/XXXX, I became aware of the issue and settled the matter with the Credit Card company by paying XXXX {$20.00}, which they demanded. I also requested that the card be cancelled at that time. 

On XX/XX/XXXX, as I was trying to refinance my home, I became aware that the Credit Card Company had reported a serious delinquency of over 60 days on my credit report. 

I contacted all three credit reporting agencies to dispute the report. I also contacted the Credit Card company by phone and sent a good will letter dated XX/XX/XXXX to the Credit Card company in an attempt to resolve the issue. 
The company responded negatively to the phone calls and did not respond to the original good will letter. 

I followed through with a second good will letter dated XX/XX/XXXX. 
The credit card company formally rejected my goodwill offer in a letter dated XX/XX/XXXX At least one credit reporting agency deleted the delinquency report. My credit report with XXXX  now incorrectly shows that I was 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
They XXXX to close my bank account no reason just because had some fraud on my account an somebody deposited a check into my account

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 2021-05-10 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In the Fall of XXXX I purchased a vehicle that was financed by Sun Trust Bank. I immediately went online and attached my bank account, placing the note in auto-draft so my car note would never be late. I do all my monthly bills that way -- -set it and forget it -- -just making certain that I have ample funds in the account so I never overdraft. However, at some point earlier this year XXXX XXXX XXXX, Sun Trust bank deleted my banking information without my knowledge and promptly placed two late fees on my credit report, causing great damage to my high credit score. When I made a phone call to the company, they deleted one of the late pays but refused to delete the other one, saying that every 6 months I was supposed to login to my account and keep it active or else they assume it is inactive and delete it. This 'policy ' is NOT true. Had it been true, my banking information would have been deleted in XXXX ( Long before XXXX ) because I've never logged into Sun Trust for ANY reason until recently. I have written them, called them, been placed on hold numerous times, written them again and I've still received no satisfaction or correction. My last letter to them ( XX/XX/XXXX ) was not even responded to. Meanwhile my credit scores have gone down from the high XXXX 's where all three bureaus were until Sun Trust bank deleted my banking information. I need them to delete the erroneous late payment information because as soon as I learned that the account was behind ( through NO fault of my own ) I contacted them and brought it current. In the entire time I have had a car loan with them I have never been late and my bank records can attest to that. Also, I feel that if they've been this careless and callous to do this to me, there are others who have also suffered the same fate. This so-called 'policy ' of theirs needs to change and change immediately! I am ready to contact a private attorney in this matter if necessary because I feel that my rights have been violated. If I give a company access to my bank account so they can withdraw from it every month, but they delete the information -- -how am I at fault??? Why have I been made to suffer?

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 2021-05-10 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: NJ

Complaint narrative:
So Equifax is furnishing date in my credit report that is not correct or absolutely invalid. So on XX/XX/XXXX I sent a certified letter informing them which information was incorrect and instead of performing an independent investigation of their own. They just updated my report with the information the other bureaus have. Verification is required under section 611 5 A. Due to their lack of availability to verify this account it needs to be deleted. My FICO score has been damaged by their errors. XXXX XXXX Account needs to be deleted. How can they be furnishing all the incorrect information, I challenge it now it's update to match the other bureaus. Equifax clearly violated the FCRA & if not shown their verification method I will be filing a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX was entered into consumer transaction with Capital One ( 01 CAPITAL ONE N A Account # XXXX ) on XX/XX/2015 or XX/XX/2015, I dont know the exact date because you guys are reporting to different date open dates to the credit Bureaus. It is illegal to report inaccurate information to a credit report, especially without my written consent under 15 USC 1681b so you have already broken the law. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CAPITAL ONE took cash. It is illegal for you to sell me my own credit, you are merely just a credit extension with no power, I hold all the power as I am the original creditors, and without my credit, you wouldn't be in business. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because CAPITAL ONE got the loan 15 USC 1431. Capital One used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by capital one illegally to obtain my approval status for an extension of credit. You continue to call my phone and send me emails telling me how you cant assist me, this is harassment and abuse and I feel very harassed and abused and Im pretty sure a judge would see how I could feel harassed and abused by your actions.Whoever keeps trying to contact me with this phone number XXXX XXXX ext XXXX ) will be prosecuted in court for harassing me via letters, emails, and phone calls. You have all the power to assist me by no longer violating my FDCPA, & FCRA consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Rocket Mortgage, LLC
State: MO

Complaint narrative:
I never gave Quicken Loans XXXX Rocket Mortgage XXXX authorization to run my credit. They ran my credit on XX/XX/2021. Nor did I give them authorization to fill out a refinance application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
They sent me a letter via email : I can also see another dispute in process. This was initiated on XXXX XXXX file number XXXX, estimated completion date XX/XX/XXXX. You should received a notification about the result of this dispute soon. 

We want to make sure any mistakes on your credit report get corrected as soon as possible. It looks like there was a communication issue with TransUnion that prevented us from getting a status update about your recent Direct Dispute request. 

Heres what to do next : Check your TransUnion credit report to see if the error you disputed is still there. 
If that error hasnt been updated or removed, submit a new dispute request directly with TransUnion at https : //dispute.transunion.com. ( You'll need to create an account with TransUnion and follow their steps. ) TransUnion will alert you of your dispute status. 
XXXX XXXX will cancel the dispute you initiated with our Direct Dispute tool. 
Youll get a follow-up email from XXXX XXXX that your dispute was cancelled. This doesnt affect any disputes you initiated directly at TransUnion and youll still be able to submit disputes with XXXX XXXX in the future. 
Make sure to take action so that your disputes get resolved. 

I hope this information helps you. Remember you are very important to us, if you need more information don't hesitate to contact us back again. 

Thanks for your preference and for being a valued XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX Support ref : XXXX : ref I requested validation through a direct dispute with TransUnion by providing my original signature, that I agreed to these negative accounts to show that their was a meeting of the minds agreeing to these accounts and their terms. I filed my dispute on the XXXX XXXX site directly with TransUnion on XX/XX/2021 and today is XX/XX/2021. This is thirty one days without completion and all negatives has not been removed. Please remove all of my disputed accounts.

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 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My EDD card was frozen because the previous identification was not verified in 2019. I made a phone call to BOA to unlock my card and the representative said that they need the EDD department to submit a form or notice, which indicates there is no identity fraud. The EDD worker just verified my information and an EBP ID Issue Log was sent with reference # XXXX to BOA. But it has been last several months since the unlocked requirement was sent to the bank. I had made phone calls to BOA so many times and there was no response. My money was locked until now and I need it to pay my bill. 
I think it's illegal for BOA to lock my card and restrict transactions after the EDD department lifted it. My card 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