vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 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: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-11-02 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: TX

Complaint narrative:
I have been writing Experian every week for the past eight weeks in regard to incorrect information they are reporting on my credit report. To begin with, Experian is reporting nine variations of my name that are incorrect. Furthermore, Experian is reporting an incorrect address, and employment information. I sent Experian a copy of my passport, photo ID, social security card, along with a letter asking them to correct this information. In addition, there are a few accounts being reported under different names that don't belong to me that Experian wont remove. Imagine seeing an account that does not belong to you on your report that is weighing down your credit score? You become anxious for it to come off because you feel wronged. Experian has been sending me stall tactics for the past three months. Today i received a letter that said hat they still have not removed the fraudulent information but they decided to close the investigation and " update '' the accounts. The irony is the update did not " update '' any information. The accounts are still on my report, Experian is acting like i did not ask them to " delete/remove '' from my report. Experian is breaking the law by reporting incorrect information on my behalf and they need to held accountable.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am complaining of excessive interest charges on kohls credit card. 
Credit card is set so that minimum payment is made online automatically. I did not realize there was a balance in the account. Statements have been sent electronically which has not been either received seen or reviewed by me, hence I did not know there was a balance. Meanwhile compounding interest has been piling up and the interest rate is ridiculous, why is anyone even allowed to charge such exorbitant interest rates. Attempt has been made three times to ask forgiveness/lessening of the interest charges ( especially during pandemic ) without success, they would only forgive one months worth, meanwhile they have been charging compounding interest for more than a year totaling hundreds of dollars. 
There is also limited information online on the statements. Goes back to only 3 months and without details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have this issue with CITI back to XXXX, then I submitted a complaints in here in XXXX, they contacted me and sent me two letters in XXXX and XXXX claiming they will solve that for me. I had attached two letters from CITI as evident. It'salready been XXXX now I still have not received my welcome bonus. I swear I will never become a CITI customer again, they have the worst customer service. But I won't give up getting my bonus back. Please see attachment how CITI promised to solve this issue for me and it's been almost 5 months it still not been resolved.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Hello My name is XXXX XXXX and Id like to file a complaint with Chase bank particularly with the one in XXXX XXXX and their credit reporting agencies. 

Unfortunately it has been on multiple occasions that I have been trying to establish a payment plan with this company. At times they have stated to me that I do not qualify because my income is not sufficient in regards to my debt. I explained Im going through a hardship etc. and it has been horrible. I have tried my best to make payments but it seems like its very difficult for this bank to keep to their promises like they say they will and treat their customers with respect. 

For example. I received a part time job and now they are still stating that I dont make enough in order to be in this program. Previously they had stated if I received a job that I could get into a payment program. 

On XX/XX/202 I was hung up on and I just felt overall disrespected and humiliated. This was with a supervisor and the coworker. 

We just can never seem to see eye to eye on things. 

I have also spoken with XXXX today to help discuss my concerns about my payment plan and we still have not come up with anything. At least she heard my concern. 

If someone could please call me at their earliest convenience Id be happy to explain further or write a detailed letter of what had been occurring. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reach out to XXXX XXXX  XXXX  / XXXX XXXX XXXX XX/XX/2020 and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement XX/XX/2020. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of these accounts. 
There also reporting two separate account numbers for the same accounts My credit score has been affected. I am asking for this item to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: LoanCare, LLC
State: CA

Complaint narrative:
XX/XX/2020 went into the auto-pay system ( online ) to increase the principle payment on our mortgage amount due. Somehow this altered the date the payment is processed and we received a late payment notice from the lender. We immediately called in and explained what we had done online to the customer service person. She agreed that it should not have happened and waived our late fee. She stated that it was a " Auto-Pay '' system issue and that she had fixed the issue with our account and we should be fine moving forward. The next month it happened again. We called in and again the customer service person stated it was a " Auto-Pay '' system issue, said she fixed the issue and again waived the late fee. 
This happened again for the month of XXXX ( we were not aware ) until a few weeks later. Again we called and made the payment. ( at this pont we opted out of the " Auto-Pay '' and now manually make our payments online thru the lender 's website ). The lender went ahead and reported us to the credit reporting companies as being delinquent on our XXXX payment. I sent a letter to LoanCare explaining what had happened in detail asking to remove the delinquency notice they had sent. They responded since we were delinquent, they would NOT make any correction. ( even though, their own representatives stated it was a system issue and NOT a failure on our part. ) We have NEVER been late since we opened this account and have always used the " Auto-Pay '' system they offered.

They did apologize for any inconvenience or frustrations. During this exasperating experience, my wife and myself ( on two different occasions ), were told that a manager would call us to speak with us about the issue we were having. Both times they NEVER called us back.

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 2020-11-02 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: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX decided to merge with schools first credit union effective XX/XX/2020. they failed to do so and they failed to send me temporary checks by XX/XX/XXXX, XXXX their website also failed so i was unable to create a new account, access any bill pay system or access my funds i live 2 hours away from a branch office and ALL of their consumer service contacts are unresponsive i'm unable to call them, chat or email them. 

i have payments that need to be made, like my mortgage! 

there should be consequences to them for such an epic failure.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TX

Complaint narrative:
To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal said my $ XXXX monthly charge would be billed to my credit card first. However, the XX/XX/XXXX transaction took approx {$28.00} from my PayPal balance and then only billed my credit card approx. {$7.00}. PayPal ( via their message system ) refuses to process the transaction properly. They keep telling me to contact the seller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI

Complaint narrative:
XXXX XXXX is damaging my credit by saying i owe XXXX dollars which is not true i try to dispute it but they are not allowing me to do so i spoke to someone at the XXXX XXXX XX/XX/2020 who was very argumentative and pretended she was XX/XX/XXXX, assuming i was on the phone with XX/XX/XXXXthey never said they wasnt XX/XX/XXXX they gave me the worse attitude and i believe this company is fraud i cant afford another bill during this pandemic and this company made my credit go from XXXX To XXXX this is a big problem can someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Attached you will find screenshots pertaining to my dispute which you continuously dismissed without looking over the evidence that I have which is overwhelming, If you are too lazy to look over the 29 screenshots provided. You can just open the file titled XXXX Acknowledgement which clearly shows that XXXX verified that they processed my refund. On XX/XX/XXXX I made a purchase utilizing my apple card on XXXX. The purchase was from a third party seller. I never received my item that I ordered. Instead of going to Apple Card Support. I initiated a A-Z claim on XXXX which would allow me to resolve the issue with the seller. The seller told me to deal with XXXX who would then conduct an investigation. I contacted them multiple times and have screenshots of all the correspondences which will be attached for your reference. I then opened a dispute with Apple Card in order to get this resolved. They never asked me for evidence and I got the dispute resubmitted 3 times all hoping that they would ask for my evidence which clearly shows that I was supposed to be refunded by XXXX. One screenshot even has an XXXX employee who sent an email confirming that they refunded me the full amount on XX/XX/2020. I called XXXX Support and spoke to XXXX who confirmed to me on the phone and also provided me an email for Goldman Sachs ' reference. It appears that my dispute was repeatedly denied without asking for any evidence. Since Goldman Sachs refuses to ask me for any evidence. I find it necessary to open a CFPB complaint against them so they can look over my information. I reiterated to them that I have clear and concise proof that a refund was supposed to be issued to me. Most recently, today I was reffirmed to have gotten the refund. The first screenshot shows an XXXX representative stating explicitly that an additional refund is not possible which implies that a refund was processed. Otherwise, they would not have used the word additional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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:
In XXXX we filed a ch. XXXX bankruptcy which was paid in full as agreed and discharged in XXXX of XXXX. We had 3 accounts with XXXX XXXX XXXX XXXX included in the BK and those loans were satisfied via the BK but in XXXX of XXXX after our discharge date they started reporting us 13 times late 90 days. This is a violation of the FCRA and I have notified them several times including in XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. Each time they correct it and then report it again the next time my credit is checked. This needs to be fixed permanently.

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 2020-11-02 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: MI

Complaint narrative:
I've been attempting to dispute a creditor that is negatively reporting on my credit report. I've sent multiple letters to the bureaus as well as directly to the original creditor to no avail. I used the contact information for XXXX XXXX listed on my credit report to contact them and my letter was returned undeliverable. I followed up with the supporting documents and the bureaus are still reporting this negative item on my report.

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 2020-11-02 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXXXXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2020-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans union Adverse accounts XXXX XXXX  XXXX To be removed by XXXX/2019 Has not been 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