vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
After at least 15 on-time Autopay payments ( XX/XX/XXXX - XX/XX/XXXX ) in an amount well beyond the minimum, Autopay was disabled without prompting or request by me, despite having no updates to the linked account and having sufficient funds available. This resulted in a reported delinquency by Bank of America to both XX/XX/XXXX and XX/XX/XXXX effectively damaging my credit score by 102 points. Furthermore, Bank of America used this failure in their own system to justify a reduction in available credit for this account, potentially impacting my score and purchasing power additionally. 

Bank of America is unable to explain why Autopay was disabled and has no record of any request to disable it. In addition, Bank of America refuses to provide customer confirmation of issues reported or actions agreed to via phone assistance via email. No issue or reference numbers are provided and associates in this case promise to " escalate '' the issue but provide no definition of what escalation involves and no record of any action take could be produced or referenced in later correspondence. 

I am also not receiving e-statements or payment confirmations from Bank of America as requested. No evidence of Bank of America correspondence in spam/junk folders but they have my correct address as I received their notification regarding a reduction in available 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 non-monetary relief
Consumer complaint received 2021-01-05 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: MS

Complaint narrative:
I tried to submit a dispute online so that I could attach the military orders. The agency 's system would not allow me to submit the information online so I did it by phone. Without the documentation, the collection agency is refusing to act so the agency validated the collection. This is ridiculous and I do not owe this debt to XXXX XXXX XX/XX/XXXX due to XXXX and lease cancellation.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I transferred money into my account via XXXX and for some reason it did not happen same-day. then when I contacted the bank they advise me that it could take upto 3 business days to complete despite that it has not in the past it has happened same-day. but now I have bills coming into my account now overdrawn has refused to state Bank Americas policy or anything that say they will allow the overdraft and not return all the current checks. They stated it is up to Bank of America 's system to decided.

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have outlined below all the steps/problems I incurred when opening a new Citicard Visa account. I filed a dispute with Citibank 2 weeks ago and as of today I have had no response from them. Below are the issues/steps I have taken so far : 4 phone calls before I got cards for new account Website does not work, asked for help via Live Chat and did not get much. Once I was finally able to log I only see an big " error '' message on the screen when I try to access Payments/Transfers or Accounts I was signed up for electronic statements even though I would not ever want them and was not aware o This was never explained in the 4 calls to express concern for not getting cards/statements Because Citi issued a total of 3 cards to me before I finally received them ( via XX/XX/XXXX XXXX I now show 2 Citibank credit cards accounts on my credit. I only requested 1. 
Citibank reported me 30 days past due causing a 90 point drop in my credit score which dropped my credit score by 90 points. I have not had any late payments on any account and have always been diligent about paying my bills on time. This in my opinion was not deserved since Citibank has had issues with my account since day one. I want this removed and my good credit standing to be restored.

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 2021-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had a credit limit $ XXXXI never asked to increase the credit amount.Somehow my credit limit becomes $ XXXXI did return the purchase to Neiman Marcus last call and to the store in XX/XX/XXXX.I do not get any refund Back on XXXX I ask at first despiute the charges on XXXX XXXXAll the tome when I ask about hardship and despuite the chargesNeinan Marcus representatives hang off the phone .It happened today too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I sent letters each month from XX/XX/XXXX to Equifax, XX/XX/XXXX, and XX/XX/XXXXdisputing a XXXX account that is being reported inaccurately. The date of last activity is different for all three companies and that is a FCRA violation. Equifax has even re-aged the date last active which is another violation. With each letter I have sent a copy of my report pointing out the errors. I was ignored and did not receive a response twice. One response said verified. Obviously no true investigation took place. Another response said paid. Also in the payment history it is showing activity every month even though the account has been closed for years. This is another violation I pointed out to the bureaus in the letters I sent. I appreciate your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent letters each month from XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX and Experian disputing a XXXX account that is being reported inaccurately. The date of last activity is different for all three companies and that is a FCRA violation. XX/XX/XXXX has even re-aged the date last active which is another violation. With each letter I have sent a copy of my report pointing out the errors. I was ignored and did not receive a response twice. One response said verified. Obviously no true investigation took place. Another response said paid. Also in the payment history it is showing activity every month even though the account has been closed for years. This is another violation I pointed out to the bureaus in the letters I sent. I appreciate your help with this matter.

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 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX I checked my credit report and found a collection agency filed a collection report {$260.00} charge for XXXX services from an address in XXXX FL. I have never done business with XXXX or been to XXXX, XXXX XXXX XXXX FL. I have lived in XXXX XXXX FL for XXXX yrs. The collection agency is Sequium Solutions, XXXX XXXX XXXX, XXXX. XXXX GA. XXXX. I've contacted them 3 times by phone. They only want my SS #. Nope. Or immideate payment. Nope. They will not tell me how they connected my credit report with an address 300 miles from where I lived at the same address for 24 yrs. I never received any phone calls, ( same number 16yrs ) or mail ( same address for 24 yrs ) Obviously wrong person. I filed an ID theft report with XXXX XX/XX/XXXX, but have heard nothing back for 3 months. On XX/XX/XXXX I filed complaint with State of FL, as that is where action took place. I also file with the State of GA, to examine Sequiums business practices, as that is Sequiums home office. Also filed with XXXX. I am filing next with FCC against XXXX as the originator of the info to Sequium. Sequium has ruined my credit rating causing me to pay more for auto/home owners insurance. I can't get a new credit card. I sold my house in XXXX county and closed on XX/XX/XXXX. This may have made my name pop up. My belief is Sequium found numerous names near mine, with similar demographics, filed on numerous credit reports, hoping something will stick. No matter whose credit they ruin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: MO

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX,XX/XX/XXXX I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: CCS Financial Services, Inc.
State: CO

Complaint narrative:
A company named CSS has suddenly added information to XXXX with it not previously being on there. It has dropped my credit score by almost 100 points

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I called in to Capital One to ask about having the {$95.00} annual fee removed from my account. The agent said that I have an " upgrade '' offer with will waive the annual fee and change my Rewards program to 1.25 miles per dollar from the 2 miles per dollar. I said yes I would like to proceed. 

In my conversation with this agent they mentioned that the annual fee charged on XX/XX/XXXX would be pro-rated and the this amount would be credit back to my account. 

On XX/XX/2020 I called into Capital One to inquire about the pro-rated annual fee credit. This agent tells me that this is not the case and I would receive no refund. I ask to be transferred to a manager. 

The manager reviews the account and puts me on hold. She comes back and says that she listened to the conversation I had with the agent on XX/XX/XXXX and that I agreed to the " terms and conditions. '' I disputed that. 

Why would I downgrade a card to a lesser rewards program and do so without a refund of the annual fee I was just billed less than a month earlier? 

I am requesting the crediting of the pro-rated annual fee. This is very deceptive on Capital One 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
The Consumer management debt collection agency is the company. The representative XXXX XXXX told me on XX/XX/XXXX that she will ask to request an eviction. I ask to speak with her supervisor and was told he wasn't available. After calling for a week. With no return call. I think I would like for something to be done. I was put in a emotional state of mind because of the conversation and the timing of the year. I would like the recording audio to be reviewed and handed to the appropriate team to make sure this never happens again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-05 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I am being scammed by someone who used my identity to make a hospital and Dr bill. I made out a police report and I was not even in XXXX county on the date. I did not go to any hospital or Dr . Nor have I had any credit cards in my name. Someone who used my identity and charged all kinds of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX we found out that our bank account was charged {$53.00} XXXX XXXX XXXX. Immediately we called the bank and dispute this unauthorize charge. We filled out paperwork and provided brief explanation about the amount to the bank. The bank credited the {$53.00} back to us. We exchanged several phone calls with the bank representative and letters with the Citibank about this charge. On XXXX XXXX they debited our account again for {$53.00}. 
We would like to make a final resolution to the unauthorized charge. We called the Citibank representative and asked to provide the name and address and phone number of the Citibank investigator and direct contact of the vendor who should be our first point of contact as to this charge but no names were given to us. As such we feel we have been harassed for profit. 
We hope that the amount of {$53.00} will be credited back to our account and that will be the end of 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 monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OK

Complaint narrative:
On XXXX, I received an unsolicited U.S. Bank ReliaCard in the mail. The card contained my name and used a former address ( same location but new XXXX address change ). I contacted the Oklahoma Employment Commission who advised an unemployment claim had not been filed in Oklahoma but directed me to contact Colorado. Virtual directions were provided as to how to proceed with reporting and hopefully deactivating the card. A fraud alert has been filed with the credit bureaus, a fraudulent unemployment claim report was filed Colorado, Identity Theft Report was filed with the Federal Trade Commission and fraud report was filed with issuing agent U.S. Bank ReliaCard as US Bank was unable to be reached by telephone. An email was sent to XXXX to address deactivation ( per form instructions ) and prevent the individual/s who filed the fraudulent claim from requesting a lost or replacement card using my information. Thank you for your attention to this matter.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Date Opened XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I XXXX XXXX have filed several disputed fraudulently statements with XXXX  Credit Bureau and XXXX  Credit Bureau for an investigation for several months against American Express ( Green ) continuing reporting false account No. XXXX, opening dates inXXXX is false reporting, the amount paid per month is not reported on correct account No.XXXX and closed the false account on XX/XX/XXXX as charged off, updated on XXXX. I filed a dispute with the Federal Trade Commission on XX/XX/XXXX, and FTC forwarded the Investigation Complaint to the Consumer Financial Protection Bureau, ( CFPB ), including this fraudulently dispute against AMEX Acct. NO. XXXX in the amount of {$4900.00} reported on XX/XX/XXXX, closed on XX/XX/XXXX is not my account, did not opened in XXXX, and the correct number is XXXX, not reported. AMEX did not justify the certified reason these incorrect acct. NO 's are listed into my Credit Report and refused to remove these fraudulently accounts & refused to report the correct accounts and amount paid as agreed on the correct accounts that I did not opened in XXXX. XXXX & XXXX  refused to investigate and reduced my XXXX from XXXX to FICO XXXX, including fraudulently dispute against XXXX XXXX XXXX false debt of {$4800.00}, XXXX XXXX XXXX & XXXX Collection of {$150.00} and XXXX XXXX XXXX XXXX XXXX, Acct. NO. XXXX fraudulently reporting that I am 30-56 days late, disputed not late, destroying my future of purchasing a home in XXXX, NC. near my daughter & four grands. Please Investigate my Complaint. XXXX XXXX, SSN XXXX, XXXX XXXX XXXX, XXXX, North Carolina XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
The IRS stimulus was sent to my PayPal. I have proof. The first one went fine. The second one- they wont answer me where it is or why its not posted. Ive verified the info for deposit is correct. The money is missing. The people arent in the United States and give no answers. This isnt just happening to me. Its to many.

Company response to consumer: Closed with explanation