vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Responded to an offer sent to platinum card members last summer to open a savings account with $ XXXX and earn XXXX points. Met the minimum required amount on XXXX XX/XX/XXXX, added another deposit, and have yet to withdraw the money from the account. The promotion stated that the account had to remain open for at least 90 days for the points to be earned. 
In XXXX or XXXX, I contacted American Express and a representative stated that the points would be applied in XX/XX/XXXX. 
In XX/XX/XXXX, the points were not applied, but I figured that perhaps there's a delay due to Covid. 
When the points hadn't been applied in early XXXX, I called American Express. A 30 minute phone call resulted in the agent stating that I did qualify for the points, but there was some type of system issue so they weren't applied. My name and number was provided for the company to reach out to me in 7-10 business days. No contact was received nor did I receive the points. 
My last attempt to resolve this was on XXXX XX/XX/XXXX. I spoke with an agent for more than 20 minutes who escalated the issue to the person in charge of the program. To this day, I have received no communication from the company ( other than the bill ). 
To clarify, none of the money funding the account has been withdrawn to this date. My rewards account still does not reflect the addition of the XXXX points that are due me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I disputed a fraudulent charge on my account in the amount of {$9800.00} posted to my account on XXXX XXXX from XXXX. I filed a fraud claim on XX/XX/2021 and it took a XXXX complaint for you guys to place a provisional credit on XX/XX/2021. A few weeks later I received a letter from your team saying the investigation was concluded and that the provisional credit would become a final credit on the account. A few weeks after that on XX/XX/2021 you guys re- posted this fraudulent charge to my account. I am asking you guys to please re-open this case on my account and remove this fraudulent charge from my account as soon as possible as I have a payment due date within the next few weeks and I do not have the funds available to pay this fraudulent charge. If you would review my account you would see I have never spent more than XXXX XXXX or so dollars on this account. I have tried to contact this company multiple times and have tried reaching their so-called fraud team and have gotten nothing but hours long holds and inevitably being hung up on. Feel free to contact me to discuss this further. I have also faxed a copy of this letter to your team with no response.

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 2021-04-05 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: TX

Complaint narrative:
The credit agencies are not complying with their own policies in a timely manner.

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 2021-04-05 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: TX

Complaint narrative:
The credit agencies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a member with Experian Credit Reporting for over 3 years. and I have been trying to dispute information on my credit for quite some time now over some addresses that are not mine and just recently a derogatory remark that is definitely not mine. But when I call I can never speak with an agent to get help and the automated service over the phone says to dispute it online, however when I try that method the site just always states the same thing, that it is having technical difficulties to please try calling XXXX But as I stated above you can't get any help over the phone. I am going in circles trying to fix a problem that is very imperative to my credit. Please help.Thanl you for your time.

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 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On Friday, XX/XX/XXXX, a check card purchase of {$130.00} was paid early in the morning. The status was pending. On Saturday, XX/XX/XXXX it was no longer pending. I assumed to be item was paid because it no longer appeared in my pending. So, I did several other withdrawals over the weekend. On Monday, XX/XX/XXXX, I made several cash deposits and transfer which I believed brought the t my account in the positive. On Tuesday, XX/XX/XXXX, some of my deposits were posted for the XXXX instead of the XXXX. This caused me to incurred 3 nsf fees of {$36.00}. These fees then put my account in the negative which caused a transaction of {$6.00} that was processed to incur another nsf fee of {$36.00} on XX/XX/XXXX. I assumed I had enough funds to pay all my items. I incurred in total {$140.00} in nsf fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I requested that Credence Resource Management validate an account for XXXX XXXX. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am able to dispute letter to Equifax on XX/XX/21 to investigate unauthorized inquiries as well as accounts listed on my credit report. I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
on XX/XX/2021 ( one ) purchased was made at XXXX XXXX XXXX # XXXX XXXX, Texas for {$56.00}, the CASH app card has two transactions for the same amount posted to account, ( 2nd ) was never made. XXXX XXXX is claiming only ( one ) payment/transaction. 

CASH app will not respond to email, no contact information available for a live person. 

My money was taken from card, and no refund has been issued back to card. 

XXXX XXXX XXXX and CASH app are the parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: GA

Complaint narrative:
I RECEIVED A TEXT MESSAGE FROM DIRECT EXPRESS AT PHONE # XXXX STATING THAT MY PIN NUMBER HAD BEEN CHANGED. 

FIRST OF ALL I NEVER RECEIVED A CARD FROM THEM. I AM WAITING ON A STIMULUS PAYMENT JUST LIKE EVERYONE ELSE. I HAVE HAD CHECKS STOLEN FROM ME IN THE PAST OUT OF THE MAIL AND I AM CONCERNED THAT THIS IS AN INDICATION A DEBIT CARD HAS BEEN STOLEN. 

I TRIED TO CONTACT DIRECT EXPRESS REPEATEDLY OVER THE PHONE TO NO AVAIL. I AM HOMELESS AND NEED MY STIMULUS MONEY. MY STIMULUS MONEY SHOULD NOT GO TO ANYONE ELSE PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I requested that Ad Astra Recovery Service validate an account for Speedy Cash. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2021 I submitted a dispute in regards to Fraudulent items that have appeared on my XXXX and XXXX credit report. XXXX and XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my XXXX XXXX Credentials and my Law Enforcement validation of my claim. After doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : Fifth Third Bank NA Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA

Complaint narrative:
On XX/XX/21 First Investors Financial Services Group performed a credit check without my consent and it resulted in a hard inquiry on my report. 

My husband has an auto loan with this company. However, I DO NOT. Nor am I a cosigner, nor do I have anything to do with my husbands vehicle loan. I am also not car loan shopping as I already have a vehicle. 

First Investors Financial Services Group had not a single reason to be pulling my credit report. I want this THOROUGHLY investigated as to why this company felt it had any right to view my credit WITHOUT my permission. 

Or I would like to see something IN WRITING, giving them permission to pull my credit, because I did not grant any such permission for any reason. 

I am in the process of applying for a mortgage and this hard inquiry has done great harm in my ability to receive a home loan.

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 2021-04-05 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have been charged with three late fees for payments I am making on a 0 % interest card if paid in full within 12 months. The credit card company is refusing to refund me the late fees.

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 2021-04-05 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: CA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  CREDIT CARD XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX, XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint narrative:
My name is XXXX XXXX, and I've been having trouble getting AES student loans to disclose basic loan information to me. I'm currently enrolled in an IBR program. 

I've written to AES several times to request information about when my loan will be eligible for forgiveness. After several emails requesting specifics regarding the date on which my loan will be eligible for forgiveness, I received the following response on XX/XX/2021, in which I was advised that " We are unable to provide the number of qualifying payments you have made or need to make to achieve loan forgiveness through this program. '' And that " We will notify you no later than 6 months prior to the anticipated loan forgiveness date when possible. '' To make this even worse, I received this response after reporting AES to the Department of Education for the refusal to disclose legally mandated loan information to me. 

This simply does not work for me, and quite frankly, I'm appalled that AES is intentionally refusing to provide me with basic information about my loan information it is required to give me by law. I'm stunned that AES actually thinks that telling a borrower to just go away and keep paying on a loan while actively withholding information about that loan is nothing short of XXXX. Quite frankly, it's outright illegal. I have no idea why I should be expected to continue paying a loan when essentially, AES is refusing to let me know when the terms of that loan will be satisfied or how many qualifying payments I have already made. Is AES seriously suggesting that I should simply trust them to tell me when I no longer need to make payments on the loan. Because of AES 's refusal to disclose this information, I have no way to review payment history or check it for errors which is a basic element of consumer protection rights and an absolute must given all of the known issues with AES.

Company response to consumer: Closed with non-monetary relief