vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I see multiple 120 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 2020-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30 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 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 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: MD

Complaint narrative:
I processed an online payment towards my credit card balance on XX/XX/2020 in the amount of {$150.00}. I discovered CitiBank had charged my checking account the entire payoff in the amount of {$1700.00}. 

This has exhausted all the funds in my checking account in arrears in the amount of - {$850.00}. I contacted CitiBank on XX/XX/2020 upon discovering the error. The representative advised CitiBank would reverse the payment and refund the difference of my intended payment or {$1600.00}. I was advised that this process will take 3 - 5 business days. The representative made no effort to explain further, and did not offer to reimburse added fees charged by my bank. 

I contacted CitiBank again on XX/XX/2020. I have been monitoring my credit card and checking account, and there were no changes. The representative on this call was extremely abrupt and disinterested. For much of the call as I asked a question the representative would answer a question I had not asked. I was required to specifically ask my questions over. I received limited information and was advised that the reversal was in process, expected to be completed on XX/XX/2020. 

This morning on XX/XX/2020 I verified no changes on either my credit card or checking account, I contacted my bank. My bank advised there were no pending transactions with regards to a reversal of the {$1500.00}. 

I contacted CitiBank this morning and requested to speak with a Supervisor. I was transferred to " XXXX, '' who refused to provide further identifying information ( Last Name, Desk, Department, Employee ID, etc ). This supervisor advised that the request has been returned from an internal authorization and I should expect the funds within an additional 2-3 business days. 

The supervisor provided no assistance with regard to the Federal Holiday, and the fact that CitiBanks unauthorized debit against my account has caused me a XXXX  balance which will extend for over the holiday weekend and lasting for up to 10 days. She advised there is nothing CitiBank will do to expedite this, nor will they provide any restitution for my funds being erroneously withheld for an excessive amount of time. 

I have been charged a {$30.00} overdraft fee by my bank. I have been without funds due to their error for a prolonged period. I was refused any further escalation of this matter. 

CitiBank has caused me undue harm with their error. 
CitiBank has cost me additional fees from my bank. 
CitBank has offered no escalation process or emergent return of my funds.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I have noticed there has been some fraud activity on my account. The following hard inquiry requests I have never authorized and there was theft on my account back in XXXX which is known by all three credit agencies but for some reason it is still appearing on my report and a few new ones just same up this year. I will post the pictures of the inaccurate ones and ask for them to be removed as they were never approved/authorized by me. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Just want my credit score to be accurate. Any help will be truly appreciated thank you very much. I had contacted XXXX early in XXXX and nothing has been done when there customer service rep had said everything will be removed since they see I didn't authorize 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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
From XX/XX/2020 to XX/XX/2020 I have been disputing an account I don't recognize with JPMCB for {$8700.00}. I have sent three requests XXXX, XXXX and XXXX requesting VALIDATION that the account belongs to me. I respectfully detailed in my communications that I am not refusing to pay nor requesting " verification '' or proof of my mailing address, but a request for validation. I requested that their office provide me with the competent evidence that I have any legal obligations to pay them. Eight months later they have not done so. They have only sent letters XXXX and XXXX to settle a amount {$870.00}. Then again XXXX and XXXX to settle {$2100.00} reducing the remaining balance to zero. I have sent multiple notices in pursuant of the Fair Debt Collection Practices Act,15 USC 1692g Sec.809 and it has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I noticed on my latest credit report, a new credit line was created for National Credit Systems dated for XXXX of 2019. I never received any information regarding this debt, no phone calls, no emails, no postal mail. Upon finding out about the debt through my credit report. I called National Credit Systems, they claim my debt is from an apartment I stayed at over two years ago that I left at the end of my lease with no issue. That apartment is now under new management. The new management is what shows up as the company that reported the debt but they claim not to. The new management has no records of me even staying there and said they can't help me with the investigation. They gave me the number to previous management but they will not answer my calls or emails and I believe they are no longer in business. National Credit Systems will not give me full detail of this debt, they lied and said they'd send it to me but it's now been 3 weeks and I still haven't received any email or postage. I sent a formal letter to them and they have received the letter but have not responded. I want this fraudulent debt eliminated from my credit report, if they can't provide me details of the debt I'm not liable. I have never missed a payment in my life, all my legitimate debts are kept current every month.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent letter to each credit agent stating that they need to send information obtaining this information via mail. And I didnt receive any type of validation from any bureau. I was just told they will not remove. But they wont send any proof of where they got this information. And they are required by federal law to provide court documents directly from the court to put on my credit. Or a signed document from myself. Per the FCRA 623 ( a ) ( 5 ) : If the credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX purchased two uniforms ( {$130.00} ) for my daughter for her dance recital that was scheduled for XXXX. One uniform was for Hip Hop & the other for Ballet ( dress ). Decided my daughter would only do Ballet & cancelled the hip uniform. The company credited me {$50.00} back from the XXXX {$130.00} XXXX, so I was charged {$80.00} for the ballet ( dress ). Covid pandemic hits in XXXX & dance theatre closes. Never receive any updates from Dance theatre & how they plan to move forward with business because they had the incorrect email address. Continually looked for updates on dance theatre sites & called with no success until XXXX. Stopped by the dance theatre to pick up dress ( {$80.00} ) & request refund for dance class charges for XXXX & XXXX they charged me ( {$70.00} ea month XXXX. XXXX XXXX unwilling to compromise & stated they were in too much debt XXXX $ XXXX XXXX due to pandemic & threw away the dress XXXX {$80.00} XXXX because they didnt have enough room. Disputed charges with my credit card company which said I didnt have enough evidence to investigate. They didnt contact the merchant & stated I needed to provide the color of the dress, brand & size. The dress was suppose to be custom made by the dance theatre, so I could not provide that information. Secondly, they never looked into my Dance class charges of {$70.00} each month that I disputed & couldnt provide an explanation on why. The dance company went to virtual classes in which we were never informed of because they didnt pick up their phone, update their website, or send an email to the correct address. Credit card company is unwilling to truly investigate & told me my option is to provide more info or contact Visa directly to see if they will investigate.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filled a dispute with Transunion in XXXX and I haven't received anything from them. They sent me a letter saying they couldn't verify my Identity even though I sent in documentation verifying my ID and my ssn but I was referred to their website to create a paid account to verify my Identity. They refuse to acknowledge my disputes over phone unless I pay for one their products

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: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
BSI Financial holds my home mortgage and mismanaged my home mortgage account. BSI falsely reported payments made to my account as not paid ; some more than 180 days consecutively. BSI also reported the wrong balance to the credit bureaus and placed customer disputes on my account when I inquired with them to investigate their mishandling. They kept the disput on even when they admitted to the mishandling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
When I book online I see I have a credit card opened under my name, and I never applied for this credit card. A company that is called COMENITY BANK/VCTRSSEC. A credit limit of XXXX XXXX

Company response to consumer: Closed with non-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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filled a dispute with XXXX in XXXX and I haven't received anything from them. They sent me a letter saying they couldn't verify my Identity even though I sent in documentation verifying my ID and my ssn but I was referred to their website to create a paid account to verify my Identity. They refuse to acknowledge my disputes over phone unless I pay for one their products

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filled a dispute with XXXX in XXXX and I haven't received anything from them. They sent me a letter saying they couldn't verify my Identity even though I sent in documentation verifying my ID and my ssn but I was referred to their website to create a paid account to verify my Identity. They refuse to acknowledge my disputes over phone unless I pay for one their products

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: FL

Complaint narrative:
XXXX is still letting XXXX XXXX XXXX XXXX on my Credit Report I want it Removed I worked for them over 15 Years

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: FL

Complaint narrative:
XXXX is still letting XXXX XXXX XXXX XXXX on my Credit Report I want it Removed I worked for them over 15 Years

Company response to consumer: Closed with explanation
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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I called HSBC in XXXX about two charges on my Mastercard statement which I did not make so I paid everything but those two charges and was told they would be taken off. They closed that account and issued me a new card. Later that month I received an email stating I was delinquent on my account and charged a late fee even though I paid the remaining bill on time. I have sent several letters and copies of my statement to at least four HSBC locations but did not get any response from HSBC. 

It is now XXXX and nothing has been resolved. Now I'm afraid my credit may be in jeopardy. I just want this to be looked into and resolved. I am very uneasy about not being able to hear back from HSBC which is a large institution. Something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/2020, I enrolled the Staple personal account credit card, because they were advertising a {$50.00} credit if made a purchase of $ XXXX. Before I enrolled and made the purchase, I called the customer service to make sure I would receive the {$50.00} because I was going to make a purchase over {$300.00}. My call was transferred from the business account department to the personal account department. I asked the customer service why I didn't see that {$50.00} credit on the order that I was ready to place, and they told me the credit will show up on my first statement. 

On XX/XX/2020, when I was going to pay my balance online but I still didn't see the {$50.00} on my statement, so I call Staple again. They told me a totally different story that there is no such things for personal account {$50.00} credit. it was for business account. 

I told them that I was told the {$50.00} will show on my 1st statement per the customer service department, but they said no, it was a wrong information. and that's it. there is nothing they can do. 

I am filing this complaint against Staple.com due to the fraud advertising information and inaccurate customer service response to make customer to enroll to their credit card which increased the inquiry of my credit history and it affected my credit score due to the unnecessary extra inquiry.

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 2020-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint with Consumer Protection Bureau against Capital One and XXXX. I didn't authorized this {$50.00} charges and when I first bought the XXXX year subscription I did it using Capital One XXXX application, so I don't know how XXXX got my credit card Information. It looks like Capital One is selling customers Information. I  contacted Capital One to dispute the charged but they told me that XXXX is a preferer merchant, that they can get my information even if I don't authorized it. Attached are all the documentation that I had tried to fix the issue with Capital One and XXXX. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America continues to make errors on my monthly statement and activity on my HELOC with them. 
On XX/XX/2020 B of A properly deducted the required monthly payment for the loan from my checking account. However, B of A did not apply the payment to my outstanding balance. It is left in an account called " unapplied funds ''. My principal balance was not reduced. 
I have been reporting these problems to B of A since late XXXX and while they have corrected the previous 5 errors of this nature, they are continuing to make errors with XXXX regard to the customer. 
I have spent countless hours calling, writing and emailing them only to have the same problem occur again.

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 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a new credit card in the mail from Comenity Bank replacing my Wayfair account. The mailing had an activation promotion flyer that stated if you activate this account and make a purchase 90 days from the activation and charge {$500.00} or more on your account you would receive {$100.00} in cash rewards. I activated the account on XX/XX/XXXX and used the account to make a purchase with XXXX {$560.00} on XX/XX/XXXX. On XX/XX/XXXX I had to reorder my blinds and recharge the account for the same amount because of a change to my blind order. On XX/XX/XXXX I spoke with a XXXX at customer service and asked if the promotion shows up at her end. She said it did not and the reason was because the purchase was deferred interest. I was never told that my purchase was deferred interest and I still have not seen this on my statement that it was deferred. XXXX told me we can not honor the promotion because of that. I told her that when I made the purchase there was never an option to defer payment instead. Yesterday I received another mailing for the same promotion spend {$500.00} or more and receive {$100.00} of next billing cycle. 

I felt that this was extremely misleading and therefore I paid my balance off. She also said that my rewards of {$27.00} can not be applied towards my balance. So I paid my balance off. 

I felt this company was misleading me so bad and I did not feel comfortable with them that I had to report this. 

Thank you,

Company response to consumer: Closed with explanation