vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 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: FL

Complaint narrative:
Before I begin Citibank I do not want this marked as a third request even though it is. My credit is currently in jeopardy and I need to take out a loan due to COVID-19 to support my family at this time you are reporting over 18 fraudulent inquiries that you said according to documentation that you would contact XXXX and have them removed. XXXX I have disputed these fraudulent inquiries sent you FCT police reports you send me copies of the credit report back stating that they have been removed and its a complete lie XXXX youre in violation of the fair credit reporting act once again. Citibank and XXXX this will be the last report to the CFPB next step I am contacting my attorney on retainer and we will meet each other in court. I have a long list of fraudulent inquiries that are holding me back from obtaining credit and supporting my family during this time and neither city bank and especially XXXX could care less. Citibank I have two accounts with you I have an XXXX and a secured Citi Card that is it those inquiries will remain with the following inquiries I am requesting that you send me document for each inquiry that you are planning on removing the inquiry and contacting XXXX if you have to pick up the phone and make it happen. XXXX happens to be one of the worst credit reporting agencies for filing fraudulent disputes and they are the cause of the 2017 XXXX Curity breach I find it hilarious maybe theyre trying to recoup phones by keeping fraudulent trade lines reporting and fraudulent inquiries on the credit bureau I find it to be a conspiracy and something needs to be done. Not in 30 days today thank you

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 2020-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened the account with Chase in XX/XX/2019. I didn't get charge monthly fee initially so I just put direct deposit into the account for saving and paid no attention to this account afterward. However, this week I notice that I have been charged $ XXXX monthly fee every since XX/XX/2019. Up till today, I have been charge {$320.00} in total ( Technically {$350.00}, when I called them today, they reimbursed me {$25.00} for this month and said that's how far the system could go back. And I know it was not true. They should be able to see all the record just as I can see ). 

As a customer, I wasn't given the right disclosure on how the monthly fee would be charged ( I thought the requirement would be direct deposit just as a lot of other bank debit cards. And I wasn't charged fee in the first few months when I did that ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This is not valid account, I ask for a validation owing amount XXXX and they could not provide proper documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$7600.00}, {$16000.00}, {$12000.00}, {$0.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

7. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- AUTO ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not 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 2020-12-05 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 am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.

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 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2020 I mailed a letter requesting investigation for some inaccurate accounts listed on my credit report. I waited the time limit as given by the fcra and still didn't receive a response so I mailed another letter on XX/XX/2020. I still haven't received a response 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 2020-12-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$7600.00}, {$16000.00}, {$12000.00}, {$0.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

7. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- AUTO ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not 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 2020-12-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$7600.00}, {$16000.00}, {$12000.00}, {$0.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

7. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- AUTO ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have tried several times to get my free credit report from Equifax. Not only this year but last year too. 

I'm thinking it's because of them my credit was compromised and several cards were opened charge up and my account was sent to collections. 

My credit is over 800 with the other companies like XXXX XXXX but with them they are making my life very hard for no reason. 

Why don't you as our rep. kick them out ... .I want a copy of what they are hiding from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding some unknown and innacurate things on my credit report. Over 60 days later I have not recieved a response yet. I feel like I am being ignored and taken advantage of. In section 611 ( a ) it states that Failure to investigate these items within 30 days gives a reason to immediately remove this from my credit report. IT has been 60 days and these items should be removed from my report. I have suffered so much from these innacurate items. My family is also being caused massive stress. I demand these items be deleted or I will have to file for litigation because of the stress you have caused. I have been included in the XXXX Data Breach and I fear this might expose my info to wrong hands.

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 2020-12-05 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
During early covid period, Amex ( American Express offered a payment holiday which I took for 3 months. However when I checked my credit report last month. Report shows my payments are late and impacted my credit adversely. I want to finance purchase a car to go work but I can't due this issue with my credit. I have reported this issue to Amex and they acknowledged the mistake and promised to fix and offered a 100 pounds credit and remove over 500 pound worn interest and late charges. 

None of these promises are kept and my credit file still states the late payment nor did I receive any compensation and I can't even drive to work which has impacted my day to day life. 

I have also called them few times after this issue was not resolved but they keep on bouncing me back from one department to another which acknowledging their mistake at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We closed the refinancing from XXXX XXXX and XXXX XXXX XXXX ' Representative came to our house and we signed all required loan disclosures on XXXX XX/XX/2020. The Closing disclosure shows the disbursement of our balance loan payment to Chase on XX/XX/2020 and the balance of the 1st mortgage loan as {$340000.00}. However, the XXXX XXXX XXXX representative failed to wire the funds until XX/XX/2020. Further the Chase payment shows that the actual payment made to Chase bank was $ {$340000.00}. This means that XXXX XXXX XXXX still holding the our balance of {$65000.00}. 
I am unable to get hold of the Escrow Officer Ms. XXXX XXXX on telephone and she failed to return my calls. In addition XXXX XXXX XXXX failed to respond to my email letters too as of this day. 
Failure to return the the overpaid Escrow money to the customer even after around four weeks and failure to provide full disclosure of the Escrow money and return this to the customer promptly is not only unethical practice but it may be even illegal practice. 
Nobody seems to respond to my telephone calls and not even my email letters. 
I am NOT sure if they just want to pocket this escrow money. 
I hope you may be able to take the appropriate action about such unethical & illegal practices of XXXX XXXX XXXXs which is also Title company. 
I and my wife are retiree and hoping to seek you help on this matter. 
Thank you for you help and have a great day. 
XXXX XXXX, My Cell Tel XXXX XXXX XXXX, My email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
I have been contacted multiple times a day everyday by this company. I have told them this is against FTC laws and they say it is not, and they will continue to do so until I pay a balance I do not agree with. This week, I was contacted 17 times. I have tried working with them and they are refusing to work with me or come to an agreement regarding the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX Wells Fargo open a secured credit card for {$300.00} under my name without my knowledge or consent. I just recently discovered this by checking my credit report other than that I have never been aware of this account. It also shows a highest balance of {$410.00}. The account was closed XX/XX/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 monetary relief
Consumer complaint received 2020-12-05 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Greetings, I rented a car for a few weeks on a few different occasions, on this particular purchase which is my most recent rental, the total charge was approximately {$1000.00} dollars, I had approximately {$550.00} dollars of available credit already on my Capital one card, that would have made my total balance due around $ XXXX {$500.00} ; this is my complaint Capital one Credit card company never deducted the {$550.00} of my available credit and state that I still owe approximately the whole bill of {$1000.00} dollars- to me that's a huge error and if I didn't realize I would be scammed out of alot of money..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 submitted a dispute to remove some incorrect information on my file and they claimed to have verified it even though the company said they could not validate the account. I personally contacted the company letting them know they were trying to collect on an invalidated account sold by another company and they were to cease collection and the credit reporting agency still has not taken it off. These accounts need to be removed.

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 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX, I opened up a checking and savings account at Wells Fargo. I also got a secured credit card of {$500.00}. The Wells Fargo representative told me that he was trying to help me build my credit score and if I paid on time my account will be reviewed every XXXX months and my balance would be increased. They never reported my payments over a five-year period and which according to Wells Fargo I was late three times by XXXX hours over a 5 years period. I repeatedly requested assistance and answers as to why I was not having my limit increased as I met all the requirements that was presented to me by the representative with no resolve. I finally closed the account XX/XX/XXXX. The representative and Wells Fargo simply lied and did nothing but take my money little by little with unjustified fees. They literally just took advantage of me at a time I was trying to better my life.

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 monetary relief
Consumer complaint received 2020-12-05 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.

Complaint narrative:
During early covid period, XXXX ( XXXX XXXX offered a payment holiday which I took for 3 months. However when I checked my credit report last month. Report shows my payments are late and impacted my credit adversely. I want to finance purchase a car to go work but I can't due this issue with my credit. I have reported this issue to XXXX and they acknowledged the mistake and promised to fix and offered a XXXX pounds credit and remove over XXXX pound worn interest and late charges. 

None of these promises are kept and my credit file still states the late payment nor did I receive any compensation and I can't even drive to work which has impacted my day to day life. 

I have also called them few times after this issue was not resolved but they keep on bouncing me back from one department to another which acknowledging their mistake at the same time.

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