vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-27 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: PA

Complaint narrative:
I have previously disputed all reported collection accounts from : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts have not been removed nor have I been provided with the hard copies of verification documents and methods in case this must be litigated against the credit reporting agency. 

On XX/XX/2020 I received online Dispute Results from XXXX  in which 10 entries in total ( 5 ) XXXX XXXX, ( 3 ) XXXX XXXX, ( 1 ) XXXX XXXX, and ( 1 ) XXXX XXXX XXXX   have been deleted from XXXX. 

Under FCRA 623 ( b ) ( 1 ) ( D ), if a furnisher determines, after investigation of a referred dispute, that the information either requires correction or deletion, they must report that correction or deletion to each CRA to which they have also reported the information. 

It is not sufficient to simply update/delete with the CRA through which the dispute was made. 

This credit reporting agency is continuing to erroneously report these entries causing me financial harm. 

I am attaching the results of the online dispute with 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 non-monetary relief
Consumer complaint received 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/2020 I wrote to Experian and XXXX  credit bureaus regarding some suspicious accounts reporting on my credit report. i also tried contacting the business that is reporting this information but XXXX  and Experian do not have any numbers or addresses listed on their credit report so i can contact them. Experian and XXXX  are reporting inaccurate 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 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/2020 I wrote to XXXX  and Equifax credit bureaus regarding some suspicious accounts reporting on my credit report. i also tried contacting the business that is reporting this information but Equifax and XXXX  do not have any numbers or addresses listed on their credit report so i can contact them. XXXX  and Equifax are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
i activated and created an account on the website XXXX   which is own by blackhawk center and i am unable to log in to the account. when i try to reset the password i get this message " Oops. We're unable to process your request at this time. Please try again later. '' i have called the number provided on the website and i am told that i would receive a email with a link to reset the password but the email is never send. i have money on this card that i am unable to use because i can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I've spent 2 yrs cleaning up my credit report. On or about XX/XX/20 my transunion score dropped 81 points. The changes were my balances decreased by {$45.00}. My utilization went from 18 % to 4 % ..I have serial messages sent to transunion with no explanation whatsoever. They finally sent me a message saying my employment was updated. From my research your employment has nothing to do with your score. This has happened before with XXXX. My score dropped 101 points with no changes at all. Several people I've seen online are having the same problem.what doesn't make sense is it took me forever to get my score over 630-640. When I finally did. That's when they hit me with the drop.

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 2020-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
In XX/XX/2018, while in the XXXX XXXX XXXX at XXXX XXXX Hospital in XXXX XXXX, attending my extremely ill daughter ; this company continued to call me and offer to help me with a loan. The NEVER, explained tbat I would pay 4 times what I borrowed. After paying them well over and above what I borrowed, I called to ask why my balance is so high? Their response was I am not paying down my balance only parts of interest. I stopped paying by changing my bank account. Now, I want this company to remove this monthly statement of late payment to them when the account is closed. For two years they are waiti g for a month 's payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
THE CARD WAS CLOSED IN XXXX WITH BALANCE CREDIT IN FULL AND THE CARD IS STILL CHARGING FEES IN XXXX. THERE WAS A DISPUTE WITH THE MERCHANT THAT WAS CREDIT IN FULL IN XXXX. THIS CARD SHOULD NOT STILL BE CHARGING FEES. THE CARD WAS CLOSED IN XXXX. THIS IS RUINING MY CREDIT AND IS NOT FAIR PRACTICE.

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 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
when i open my account i have Problem with credit limit what they give me i have high Credit sore and theyt lie to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX : ( XXXX ) XXXX Dated : XX/XX/2020 To Whom it May Concern : On or about XX/XX/2020, I notice a inaccurate collection account on my credit file from Caine & Weiner. I immediately made contact with Caine & Weiner and notify them that I have no knowledge of this dept and I am requesting validation. I did not received a letter or a phone call from the original creditor or Caine & Weiner prior to this dept appearing on my credit file. Instead of Caine & Weiner producing the documents requested, they went ahead and updated the information on my credit file on XX/XX/2020, stating that the dept belongs to XXXX. This is a clear violation of the FTC, CFPB and the FDCPA. While speaking with the representative on XX/XX/2020, I requesting the documents, the rept gave me another name stating that company was in charge of the dept of my file which turns out to be Caine & Weiner. The rept tried to provide false information to me. 
I requested : On XX/XX/2020, I requested following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

To date, I have not received any documentation from Caine & Weiner that was requested. This is a clear violation of practice. 

Respectfully Submitted, XXXX XXXX C/O State attorney General Office XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/XXXX I called US Bank because I've been told repeatedly that I could go to a ATM to deposit when there are no machines in Virginia to deposit just withdraw So the bank rep told me to mail my deposit. 
US bank recieved my deposit on the XXXX and the XXXX put my XXXX deposit in the system saying reversal deposit so I called the bank and nobody could see it so I did co browse with 5 different bankers 3 days later XXXX it shows up as a deposit pending I am so disgusted that a banking institution has people working there and giving out wrong info I am suffering behind us bank. I have no food to eat cant pay my Bill 's They told me my money would be available on XX/XX/XXXX I have been told that it would be available in 3 days to 5 days to 7 days to 10 days. I want every call pulled to XXXX XXXX who said he didnt have a contact number I need the bank to stop sending my Bill 's  back when they have my money and I have emergencies I have talked to them o er 25 times and at this point I want all my funds and I dont want to deal with a bank that doesn't know their own policies. This has been a worry situation. Being told lies and caused me pain and my XXXX was racing to a XXXX attack I've been through it cause I'm XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: I.C. System, Inc.
State: NY

Complaint narrative:
There is a negative item on my credit report from a company called IC Systems. I had no business or debt with this company. I don't owe this company any debt!

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 2020-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
We signed up on XX/XX/XXXX for the Covid-19 Disaster Relief program with Home Depot and the Home Depot Credit Card linked to XXXX XXXX. On XX/XX/XXXX we were charged interest in the amount of {$2800.00} and I immediately both wrote the problem in a trouble ticket and called the Customer Service Line and talked with XXXX who called the Accounting Department for me and said within 2 business days I would receive full credit in 2 to up to a  max of 10 business days. On the XX/XX/XXXX which began a whole new statement the credit appeared followed by a {$4000.00} charge which was the principle of the same promotional charge of the interest that was forgiven. I told them I was in the middle of a re-finance of my home and that large of a revolving account purcharse could harm my credit and/or increase the interest rate on my home for the next 30 years. I put it in writing again and called and the first representative told me that his terminal had the old software and would have to transfer me to another representative. The new representative could not help me so I asked for a supervisor whose name was XXXX. 

After explaining in detail for over 1 hour and 15 minutes I go nowhere but for her to say it could take up to one to two billing  cycles to correct ( which is 60 days ). I told her that was too long and she said she was a supervisor. I told her clearly it is a duplicate of the principle of the promotional balance back from XXXX and I had received the interest charged back very quickly and why could the same not be done here. No reply to a message sent if they could give a provisional credit until they determined their error.of double charging.I have written messages everyday since and called with no results except a message it had been turned over to another department. It is now XX/XX/XXXX and no word on a resolution. This also places me way over my credit limit by almost 2 times and further points will be reduced from my credit score as well as the Debt ratio percentage since this large amount gets added to my revolving credit amount. This is no way to treat a long-time valued customer and while XXXX was customer service oriented, polite, and accommodative ; XXXX was the opposite and needs more customer service training and being capable of handling a large problem with some grace.

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 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have had a chase credit card for 13 years. The other chase card for 5 years. My credit is excellent, all of my bills are paid on time and in full. They recently closed my 2 credit cards with no notice. I don't understand what the issue is. 

I called chase and they told me a letter was coming with an explanation. After 13 years and both of my accounts in good standing I don't know why they would have closed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: OR

Complaint narrative:
I attempted to send send money with this company to a friend in XXXX. I followed the instructions and entered my debit card information. I was prompted with an error and it told me to re enter my information. When I checked my account it had charged me twice for the same transaction. When I asked for this to be fixed they told me that I should have checked my bank before following the error prompt and following their instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. The following is a summary of events in chronological order for a dispute on my credit card with Comenity Bank ( XXXX XXXX ). 

On XX/XX/XXXX a made a purchase of {$1500.00} with XXXX XXXX via phone and the purchase was completed using a Comenity Bank Credit Card. I was under the impression that I had purchase two round trip tickets but that was not the case. My intention was to cancel a previous flight I had purchase and buy two under the same reservation. This is an Issue that was disputed with XXXX XXXX and even though the flights were taken they still decided to issue me a refund and I was sent an email on XX/XX/2020 from XXXX XXXX stating that they were refunding me {$1500.00} for the misunderstanding since the purchase of the ticket went into review. 

The refund was not being reflected on my Comenity Bank Account so on XX/XX/2020 I created a dispute with Comenity Bank my account number is XXXX. 

My dispute was closed by Comenity Bank sending me documents that XXXX XXXX sent them saying that the flight was successfully flown but Comenity Bank is failing to understand that I had a dispute with XXXX XXXX before and was granted a refund. My flight was for XXXX XXXX and I Was granted the refund on XX/XX/2020. Supporting document was also sent to Comenity Bank but they are still refusing to represent me properly and are demanding me to pay for something I was granted a refund for. Comenity Bank closed my dispute on XX/XX/2020 with no solution for me other than to pay them. I find this unfair being that I was granted a refund by the merchant XXXX XXXX after having disputed my purchase with them prior to contacting Comenity Bank. 

I am asking for help in this matter. I did my part in taking the proper steps. I cant afford to lose this dispute being that again as stated earlier, granted a refund. We are in a global pandemic and every XXXX counts during these hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: CO

Complaint narrative:
On XX/XX/2020 I received a text from my sister saying she thinks she received a spam email regarding me. The email, sent by Halsted Financial Services, was a debt collection email. This email contained my full name, the amount of debt, the account number and all of my personal information. This was sent directly to my sister and was never sent to me. I asked my sister to forward me the email and upon viewing the email I believed that this was a spam email because I did not owe money to any company called Halsted Financial Services. But reading the email it appeared they are attempting to collect a debt that's owned by another debt collector. 

When addressing this with Halsted they dodged my questions on why this happened and why they are contacting me and instead tried to shake me down for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried for over 3 month to log into Trans Union to file a dispute but I get an error message that the say 's Were sorry ; this site 's dispute functionality is not available at this time. Please wait at least an hour and try again. I have attached this to my file. 
I need to dispute the following accounts that are not my accounts, XXXX XXXX Trans Union RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have included the negative accounts below. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion Derogatory Accounts ( 4 ) Not my account XXXX XXXX Other Loan Past due : {$820.00} Collection/ Chargeoff XXXX XXXX XXXX Not my account Other Loan Past due : {$500.00} ChargeOff XXXX   Not my account Credit Card Past due : {$0.00} ChargeOff XXXX XXXX Not my account Other Loan Past due : {$130.00} Collection/ Chargeoff According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 2020-09-27 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: AES/PHEAA
State: TX

Complaint narrative:
Hey i have a problem. My account keeps having these loans on my account that I didnt take out and the times and dates they said I did is inaccurate. Its been more than 7 yrs and this XXXX is still on my report and I am requesting these student loans to come off my credit. I will keep writing letters and sending messages and emails and reaching out to the fbi and making a police report. I just want to be able to handle this responsibility. Thanks you

Company response to consumer: Closed with explanation