vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express debited my bank account for payment twice for the same amount. XXXX for {$19000.00} and XXXX for the same amount. After XXXX, statement had XXXX balance. I called American Express on XXXX at XXXX and spoke with XXXX. She admitted their was a glitch. She first said I had to have a paper check that would take 10 days to arrive. I said no, wire me the funds back. I gave my bank account info to her. I also opened a dispute with my bank, XXXX. I called American Express today XXXX at XXXX, put on with XXXX in the call center. No wire transfer started, stated it would take 3-5 business days. I have no money in my bank account. I have NSF fees adding up from my bank and I cant buy groceries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is XXXX me out because i XXXX XXXX have the right to dispute anything inaccurate by law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I received a claim on my credit report from Credence Resource Management. They claim that the original creditor was XXXX XXXX. I called XXXX to ask if they have reported a balance against me to a collections company. They did not have any record of me owing them money. I now have a balance owed to Credence Resource Management for the amount of {$700.00}. 

The report claims that I opened an account on XXXX. I did not. 
The balance was reported on my credit on XXXX. I filed a dispute through my XXXX account on XXXX. 

I called Credence Resource Management on XXXX and told them to remove the claim from my credit report. I also emailed them on the same date stating the same thing. I have never received any voicemails, mail, or emails from this company at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
There was an international wire transfer initiated in the XXXX that was sent via XXXX to Wells Fargo that was supposed to be sent to XXXX XXXX XXXX XXXX. The amount was for {$91.00} and the transfer was sent on XX/XX/2020 and was supposed to arrive on XX/XX/2020. It has been held up by Wells Fargo ever since. I have attempted to contact XXXX, but since I'm not the sender, I can't talk to them about the transfer, I tried contacting Wells Fargo, but since I'm not a customer of their 's, I can't talk to them about the transfer. I tried contacting my bank, but they can't do anything for whatever reason.

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 2020-10-09 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian is not allowing consumers to unfreeze credit online. 


Experian has a system were they are NOT allowing consumers to unfreeze credit online. They will only honor unfreezing online if you purchase one of their products.

A while back I froze my credit with all 3 bureaus. I have my valid pin with Experian, but they request that i mail in documentation since I am not subscribing to one of their products .... 

Please investigate Experian as they are clearly fleecing the general public ... ..

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XX/XX/2020, someone accessed my card and made purchases to an online store in the XXXX XXXX. The purchases were for {$120.00} and {$100.00}. I was also charged four XXXX purchase fees in the amounts of XXXX, XXXX, {$2.00}, and {$2.00}, for a total of {$230.00}. I immediately called the company to report a fraud charge but was told I had to wait until the charges cleared. I waited a few days and called back. I was told that they were immediately refunding the International fees and that I would need to fill out paperwork for the fraud, and if I got it back to them within 10 business days, I would get a provisional credit within 48 hours. I filled out the paperwork and faxed it in 6 business days, along with my police report and emails between myself and the store the fraudulent purchases were made through stating they had located the fraudulent account. It has now been 4 business days since they  received that information ( I called to verify ), and no credit, no refund of XXXX fees. I have spent OVER 19 hours on hold with these individuals, only to be lied to, given the run-around, switched to another layer of their network, and hung up on. I am a single mom of a small child and don't have time to sit and wait. I did everything they asked in the tiny time frame they gave me, only to be sitting here on hold for almost 3 hours with more of the same. NO answers, no help. This is my child support money. As a single  mom on XXXX, I NEED this money. Not only was I a victim of credit card fraud, I am now a victim of the crooked company. I feel they are a scam and just out to steal your money. They have ALL THE INFORMATION THEY REQUESTED, AND THEN SOME. WHERE IS MY MONEY?????????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: OH

Complaint narrative:
On XX/XX/2019, I entered into consumer credit counseling program which effectively closed all but 3 of my credit card accounts. Two of the major credit bureaus, XXXX  and XXXX, show that my account with XXXX XXXX ( XXXX  ) card is closed. Experian is  the exception. I've contacted the credit card company directly and they confirmed they have updated this information with Experian. I've filed 3 separate disputes with Experian and they have refused to update the status. I've attached the correspondence sent to credit card company, who confirmed they have updated this with Experian. I've also attached the disputes filed with Experian, credit report from XXXX XXXX, and statement from XXXX showing the account is closed.

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 2020-10-09 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:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX   XXXX  ( Original Creditor : XXXX ) XXXX Inaccurate XXXX XXXX XXXX  XXXX Inaccurate DEPTEDXXXX XXXXXXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX ) XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate DEPTEDXXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: FL

Complaint narrative:
After reviewing my credit file, there are 2 fraudulent credit cards and a utility account opened using my information that I did not authorize. Identity theft.

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 2020-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have several accounts with the Chase Bank, personal and business, one of those accounts was a Savings Account that will help to cover over payments from the personal checking account and that will help to minimize the overdraft charges on the transactions, the bank stipulate that customer is allowed to 5 free of charge overdraft transactions from savings account to checking accounts, so that was the reason that I opened the savings account. Every month, the bank transfer from my savings account whatever was need it to cover the overdraft expenses from my checking account and if for some reason I use this service more that 5 times a month, the bank charge a fee for each transaction over the first 5 's.  At certain time the bank decide to " change the savings account to the checking account classification '', that way that specific account can't cover the overdraft fees because is not a savings account anymore. I complaint to the customer representative on the phone a couple of times and they really don't care and didn't do nothing about this matter to me. Because that reason, since XX/XX/20 I have paid over about {$600.00} on overdraft charges because the change of my saving account status to checking account without my authorization. That's costing me money!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i XXXX XXXX have the right to dispute anything inaccurate by 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 2020-10-09 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: NC

Complaint narrative:
Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i XXXX XXXX have the right to dispute anything inaccurate by 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 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XXXX, I requested and was granted forbearance on my mortgage loan with XXXX XXXX. Over the next several months, I received statements indicating that I was enrolled in the forbearance plan. Additionally, I received multiple e-mails informing me about the forbearance plan.

After a recent credit report was pulled, it was discovered that the company reported my mortgage as delinquent for 60 or more days. That is inaccurate as I was enrolled in the forbearance plan. Disclosures state that there would be no foreclosure or negative impact to credit reporting agencies during period of forbearance.

This is not the case and the loan company is unable to be reached via telephone to discuss this matter. It is simply a 1-800 number that is voice automated to answer a series of generic Q & A.

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 2020-10-09 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: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 ) CONSUMER ADJUSTMENT CO ( XXXX XXXX XXXX ) SEE  ATTACHMENT 3 ) XXXX XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV
form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported
within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CL Holdings LLC
State: VA

Complaint narrative:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 )  XXXX XXXX XXXX ( XXXX XXXX XXXX  ) SEE  ATTACHMENT 3 ) JEFFERSON CAPTIAL SYSTEM ( XXXX XXXX ) SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.

In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
i called citibank and told them i was on defermement when i had covid they reported me late and it was their fault. they said they would fix the problem on all 3 bureau

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