vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: TX

Complaint narrative:
Atty General of Tex Child support division continues reporting inaccurate information. fails to follow their own protocols. reports closed accts as open, reports past due balances on closed and paid account. etc ... 
I paid child support for 15 months iut of pocket to the custodial parent at XXXX $ month and filed a notorized copy of affadavit of support to atty gen office who failed to follow up on my case. This led to years of mis reporting and 150 yo 180 month lates on Experian and XXXX  that are not true. My case is now clised for over 6 months and XXXX gets an updare from the Tex atty grn office that I have balance if {$4500.00} and 150 days late. This is on a paid, closed acct with XXXX balance! 
I have sent lengthy e mails, called by phone numerous times through the years, and my case never gets corrected. 
Fraudulent reporting by the state if Texas continues to harm my credit.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was so stressed I file Documentation last XXXX but I haven't received any response yet. I want those inaccurate and unknown accounts must be DELETED ASAP or I will file litigation.

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 2021-03-12 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: Pioneer Capital Solutions Inc
State: TX

Complaint narrative:
I filled 4 disputes with XXXX to dispute the PIONEER CAPITAL SOLUTION Collection agency for the past 2 years.

I provide Copay receipts and the XXXX XXXX statement that shows I have a {$0.00} balance. Claim XXXX Date of Service XX/XX/XXXX was paid on XX/XX/XXXX Sent Electronically XXXX XXXX to Provider : XXXX, XXXX XXXX for {$2000.00}. Please see the XXXX XXXX attachment. 

XXXX has responded with the same response " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I filled 2 disputes with XXXX about PIONEER CAPITAL SOLUTION and received the same results as XXXX. 

Listed below are the disputes. 

Experian Date Submitted : XXXX XXXXXXXX, XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Equifax Confirmation number : XXXX Submitted XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Both Equifax and Experian have the same account number as listed below. 

Account Number : XXXX Original creditor : XXXX XXXX XXXX {$300.00} Company : PIONEER CAPITAL SOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN 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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In spite of the fact I have a XXXX credit score and make {$250000.00} and have never ever been late on a payment, JPMorgan still denied my credit card application. This is XXXX redlining ( I am not XXXX ) because there is no other plausible reason for my application to have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, Citibank mailed via US Mail a solicitation that stated : " Effective XX/XX/XXXX, your APR has been lowered to 0.00 % for PURCHASES MADE THROUGH XX/XX/XXXX. '' It seemed too good to be true, but I thought Citibank was a reputable firm and believed it. 

Relying on their statement above, I made purchases that I likely would not have made had Citibank not represented that no interest would be charged on the purchases. 

On my statement dated XX/XX/XXXX, Citibank has already billed me for one day 's interest - {$20.00} - on PURCHASES MADE PRIOR TO XX/XX/XXXX, and it appears that they intend to bill me about $ XXXX/month for those purchases which were represented as interest free. 

Their offer contains other confusing language which didn't seem to have any impact on their statement " '' Effective XX/XX/XXXX, your APR has been lowered to 0.00 % for PURCHASES MADE THROUGH XX/XX/XXXX. '' Please cause them to reverse all accrued interest on charges made XXXX and cease billing interest for same. 

I hope you are doing ok during the COVID crisis. What a nightmare this is.

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 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
THIS CREDITOR WAS DELETED AND THEN PLACED BACK ON MY REPORT AS A OPEN 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 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received a notice on XX/XX/20 saying that my checking account was closed and that I needed to transfer {$4.00} to cover an overdrawn balance. Fine, I was closing this account anyway so I transferred {$5.00}, the minimum my bank would allow, to settle this balance. This left {$1.00} in the closed account. However, Citi continued to charge a $ 30 monthly service fee, followed by a {$34.00} overdraft fee the following day. When I asked customer service they stated they don't send emails like that and that Citi would never close an account with the customers ' request, this is untrue.

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 2021-03-12 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: IL

Complaint narrative:
ISSUE : Business Credit Card Accounts, showing on my personal credit report ( never before ) as Late Payment and damaging my good 20+ years of personal credit, taking me down and troubling even Business from applying new credits /SBA Loans to jump start the operations during this COVID PANDEMIC time. 

Here are the details -- -- XXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Credit on Business Name : XXXX XXXX XXXX XXXX Business Credits opened : XXXX Accounts Closed : XX/XX/XXXX due to financial troubles with Business and high interest rates on credit and so closed to pay off the balance with a monthly flat pay as agreed Payment : Paying as agreed by business. 
COVID PANDEMIC : Business was in hot water during this pandemic, missed couple of payments under $ XXXX in XXXX & XX/XX/XXXX. No help received from XXXX for XXXX for any deferment and Officer ( I ) moved to another state ( XX/XX/XXXX ) for income generation and to support bills / payments and other financial support for XXXX treatments ( in-laws ). During this relocation and settle down time, missed communication/ correspondence from Bank on Business Accounts & Due Payments and Bank never communicated any paper bill.

Consumer Credit Reporting : Never saw before the business credit accounts on my personal credit reports during the time XXXX for my business accounts. In XX/XX/XXXX only, those business accounts got attached to / popped up on my credit reports as Late Payments and negative accounts. 
Payment : No dues to pay and done till XX/XX/XXXX Correspondence : Disputed with Credit Reporting Agencies ( EXPERIAN & XXXX ) as these are Business Credit Accounts and Business is impacted by COVID PANDEMIC ..Sent mail to XXXX XXXX, Spoken to Card Services Members & Credit Dept -- -- requesting to consider, remove late payment and from consumer/ my personal credit reports, but unfortunately the associates PAID DEAF EAR, NO HELP, RE-ROUTING CALLS HERE AND THERE, which appeared to me biased, in equal, and simply ignore ... due to my slang (? ) sorry to say but that appears as if! 

PAYMENT history is good for 20+ years ( my personal ) with no late payments/ no bankruptcy / no convictions and good for 12+ years ( my business ) except 2 late payments in XXXX  XXXX ( 60 days ) This business accounts attached to my personal credit reporting and chase & credit reporting agencies took me down by 80points from very good status. 
- EVEN CREDIT REPORTING AGENCIES ( Experian & XXXX ) ARE RELUCTANT TO CONSIDER / CORRECT AND UPDATE, EVEN SHOWING THE BUSINESS /COMMERICAL ADDRESS AS SINGLE FAMILY RESIDENTIAL TYPE

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 2021-03-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX, stating that I owe them an alleged debt. So I send them a letter asking to validate the alleged debt they claim I owe. In my letter, I asked them to provide me the following : 1. Name and address of alleged creditor.

2. Name on file of alleged debtor.

3. Alleged account # 4. Address on file for alleged debtor 5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this alleged debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased.

10. Commission for alleged debt if collection efforts are successful.

In my letter I also ask for the -Agreement with their client and grants XXXX XXXX XXXX XXXX the authority to collect this alleged debt. 
XXXXSigned Agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

-Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

-All statements while this account was open. 
-Have any insurance claims been made by any creditor regarding this account? 
-Have any judgment been obtained by any creditor regarding this account? 

In my letter I also ask for the name and address of the bonding agent for XXXX XXXX XXXX XXXX in case any legal action becomes necessary. 

I also stated in my letter that if XXXX XXXX XXXX XXXX fails to provide me with any of the above request, then all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

On XX/XX/2021. I received a respond from XXXX credit management to my request of validation letter. They did not provide me with any of the above request I asked and all they responded was that their records are accurate. Since they can not validate this alleged debt, they were not able to prove that this alleged debt belongs to me and therefore, this alleged debt must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Today I run my credit for any reason I have loans credit cards and mortgage loans that belong to someone body else I have never use my itt number to open loans or credit card 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 2021-03-12 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: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I sent a letter to Finance Systems of Toledo requesting VALIDATION of this alleged debt ( FST ID number : XXXX ) and sent it via USPS Certified Mail. Finance Systems of Toledo has received my debt validation letter ( see attachment ). I requested that the account information be omitted from reporting to my consumer reports pending a response that provides sufficient validation of the alleged debt. During the 30 day validation period, they have continued to furnish this inaccurate information to the consumer reporting agencies and have violated my rights as a federally protected consumer. Additionally they are in violation of 15 USC 1692b ( 2 ) for the correspondence they sent me on XX/XX/2020. They have also been notified of this federal violation. I am demanding that this information be removed from consumer reports immediately as this information is neither accurate nor verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I could not get a response after mailing a request in for credit reports ... I tried to do online and it said I had an account it had wrong phone- went to this email Name on file showed XXXX after it closed out- not full hyphenated name!!! Make sure name on file is correct- Experian and XXXX company keeps switching my name to parts of name or account compromised- online, tried account exists already-? In one spot full hyphenated name show!!! If this is legitimate site then information is being changed for my social security number Remove XXXX I called- no record of account under social use appeared on report -Provide name sources -Errors in name reporting Some systems dont hyphenate so I ask them to close name so it wont seem like last is middle name! 
-PLEASE hyphenate my name!! 
-Dealing with odd things - in home, car etc..cyber theft stalking hacking forgery and more. While I use computer., phone and work crazy activity just today also ... 

Did remove XX/XX/XXXX I Do not have 2 credit cards Disputed XXXX loan type and amounts and XXXX XXXXXXXX XXXX XXXX inaccurate the loans amounts increased! 
I am finding out my info is getting mixed up ... I believe a lot of places are getting hacked ... too many scams I never lived in Texas, Ohio, or California.. I am a Michigan resident all 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 explanation
Consumer complaint received 2021-03-12 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was unable to get the proper verification/investigation that I asked after how many attempts. This business clearly violated my rights.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wrote to XXXX XXXX XXXX XXXX XXXX XXXX appeal their decision to deny/decline my application for a XXXX XXXX XXXX account. In a letter I recieved from XXXX dated XX/XX/2021, they stated that their decision was based on information found in my Experian credit report. XXXX 's letter stated the following reason XXXX XXXX ) for not approving my application : Delinquency or other derogatory relationship with your bank Insufficient balance in deposit and investment accounts with your bank Too many requests for new credit in the past 2 years One or more accounts are over the credit limit First, my middle XXXX credit score is over XXXX and my gross annual income is over {$270000.00}. XXXX 's own letter stated that my credit score was XXXX. Furthermore, XXXX 's letter states, " scores calculated can range from a low of XXXX to a high of XXXX scores are better. '' I do NOT have any accounts whatsoever in my credit reports, including Experian, that are over the credit limit. In fact, all credit cards under my name are at a XXXX balance with a combined available credit limit exceeding {$89000.00}. Secondly, XXXX 's credit card application does not explicitly state that an applicant must have a balance with XXXX XXXX or that the XXXX XXXX credit card requires a deposit with XXXX XXXX. One entry in my Experian Credit Report listing XXXX XXXX XXXXXXXX was an error reported by Experian XXXX I have never had an auto loan with XXXX XXXX XXXX. Upon receiving XXXX 's letter dated XX/XX/2021, I contacted Experian to dispute this entry, and it has since been removed, see attached. I believe XXXX may be engaging in discriminatory practices in granting or deny credit to certain consumers. I respectfully request that you inquire wit XXXX on my behalf and other applicants with similar profiles. 

Thank you very much for your consideration and attention to this request. 

Sincerely, Consumer

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/2021 I applied for the Citi Premier credit card. The bank approved the application the next day. I applied for the card, in part, due to their enticement of awarding me XXXX  Thank You points after spending {$4000.00} within three months of opening the account. Upon receiving the card, it immediately declined my first charge. I called the bank to have them verify my identity. They told me they fixed the problem. The next time I tried to use the card it declined again. I went through the same process to fix the problem. I have called the bank 12 times over the past 3 weeks spending hours on the phone, because the card continues to decline. Every time I call the service rep assures me the problem is fixed, yet it persists. I just called again today, and the rep told me she could not fix the problem, and I would need to wait to hear from the bank. This has caused stress between my husband and me. I just want the bonus I was promised. I have been able to get some charges through, but not {$4000.00} as the Citi offer states. 

The bank has not provided the product they promised. It does not work properly, thus preventing me from meeting their terms in order for me to earn the XXXXpoint welcome bonus.

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 2021-03-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 




Please correct this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part are causing me a lot of trouble financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I tried to complete online banking activities onXX/XX/2021 for my business checking account but access was denied. When I called the customer service department on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2021 I was advised that my account was under review? However, I was not provided with a detail reason as to why the account was under review. I have called several times to customer service, reached out to the bank branch manager and also emailed XXXX XXXX in the customer out reach department. No one at the bank is able to tell me why my account is under review. One customer rep did tell me that over XXXX accounts were under review with the bank but no additional info was provided. My contractor/independent workers checks have bounced. I have no access to my funds to run my business and play my employees/independent workers

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