vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 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: MS

Complaint narrative:
THEY HAVE TAKING WELL OVER 30 TO REMOVE THESE ITEMS THAT DO NOT BE LONG TO ME

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 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
{$30.00} claimed due to XXXX XXXX XXXX Had XXXX XXXX XXXX internet in XX/XX/XXXXBilling cycle was XXXX of one month to the XXXX of next month Charge was {$60.00} per month Cancelled service on XXXX XXXX and sent XXXX XXXX XXXX {$30.00} payment in full settlement Receive another billing for {$30.00} I contacted they three different times and their response was " We do not adjust bills '' My response was I do not pay for something I cancelled did not use and did not want They gave my account to two collection agencies so far. I explained the situation to the fist agency and I never head from them again The second agency ( Sequium Asset Solutions LLC ) began contacting me in XXXX XXXX sent them an email on XXXX XXXX Explaining the circumstances They ignored my email and reported me to an outside credit reporting agency. My XXXX credit score dropped 10 points

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: 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 Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands

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 2020-12-14 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: 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 Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands

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 2020-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: OH

Complaint narrative:
I am attaching files of the complaints that I filed. 
I show on my credit report that I am 3 months default a few years ago. I called the federal loan service and was told to send the information, which I did. I then sent it to them with more information and twice they refused to remove the incorrect information. 

I was not in default ever and my paperwork from them shows that I am in forbearance and owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: LA

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. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: DISCOVER BANK
State: OH

Complaint narrative:
In XX/XX/2019 Discover Card alerted me to fraudulent activity on my card, closed the card, and sent me a new card. 

A service company that I was using at that time had their charge for {$95.00} denied because of the closed card. I updated my payment with the service company providing them a different Credit Card for payment. 

A few weeks later in XX/XX/2019 I cancelled my service with that service company, following the service company 's cancellation policy to call in and speak with a sales person. I did that and was told my service had been cancelled. 

Unfortunately that company proved to be dishonest and sent their people to my home which I refused explaining that I had cancelled service. In XX/XX/2019 I placed a second call and once again was transferred to a sales person who once again assured me that my service was cancelled. 

The company continued to send people to my home and I refused them each time and threatened to sue them for fraud and harassment if they did not stop. 

Over six ( 6 ) months after the original Discover Card account was closed, Discover Card allowed two separate charges by the service company to be approved and show up on my new account, which I never provided to the service company. I contacted Discover Card and disputed the charges. The service company only responded to one of the disputes claiming that we had a contract and Discover Card refused to reverse the charge. 

I spoke with three ( 3 ) different people all of whom refused to credit back the charge stating it was a recurring charge which I disputed. I submitted proof to Discover Card after they declined the charge from the service company in XX/XX/2019 that I provided the service company a different Credit Card for payment. 

Discover Card still refused to remove the charge from my account. I asked them how many times they denied charges to that account from the service provider from XX/XX/2019 through XX/XX/2019 and they refused to provide that information. 

After more than 15 years of being a loyal customer, paying off my balance every month, and never missing a payment, I closed my account with Discover Card and refuse to pay for the fraudulent charge. Discover Card has applied late payment fees to my closed account for the fraudulent charge that they allowed and is submitting non-payment notices to the Credit Bureaus attempting to harm my 800+ credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Wrote an email to SchoolsFirst Credit Union after I received by statement saying I qualified to skip a payment ( which they did not include in the statement ), but that I would continue to have interest accrue. This does not help - a deferred balloon payment with compounded interest is no help. The statement also proffered that they were 'UPDATING '' a " new design ''. 

I had asked for help in XX/XX/2020 because of COVID-19, schools were closed, so there were no paychecks since XX/XX/2020. They said the same - a deferred payment that would continue to compound interest. Not even negotiating interest for an elderly customer who had asked for help during this COVID-19 Pandemic. 

I suggested they pass the cost of a " updated statement : designer '' onto the teachers who are SchoolsFirst customers who are pleading for help re : COVID-19.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CA

Complaint narrative:
Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 


TRANSUNION INQUIRES PLEASE USE HUMAN VERIFICATION AND NOT E-OSCAR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-12-14 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: NY

Complaint narrative:
I sent out a letter on XX/XX/2020 about an account on my report that does not belong to me. I have yet to receive a response and it is now XX/XX/2020. It has been over 90 days since I disputed this account. Please remove this account because you failed to investigate and verify it in the time allotted by the FCRA. If you are stating that account is verified please provide the method of validation, who you spoke to, when you spoke to them, and the information that they provided to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Netspend Corporation
State: NY

Complaint narrative:
I recently tried to get a refund on my MasterCard but No matter what card I tried to put the refund on it wouldn't go through because the merchant told me that MasterCard and visa companies want to charge for the transaction of the refund itself so because I had a XXXX balance I couldn't get the refund all because there was no money in my account for them to take. Talk about some money grubbing XXXX. That is the most ridiculous thing I have ever heard in my life just so the banks could XXXX people out of more money then they already do when it comes to interest on loans XXXX. The merchants can't give the refunds back to people who have a XXXX  balance on there cards because of this issue and it's not like the bank needs the extra cash that bad to make a rule like this. They make enough money for closing on good people 's homes and property that they buy when the owners can't pay there ridiculous fees in time. If I had it my way I would shut the whole banking system down plus these card companies for doing this XXXX to people. Some people actually have to bust there XXXX making a living while others sit behind a desk and come up with new ways to take there money.

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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted to dispute inaccurate information on my credit file with Experian for almost a year. I started disputing the incorrect information in XX/XX/2019. I have sent several letters disputing the inaccurate information in accordance with The Fair Credit Reporting Act and the Fair Debt Collection Practices Act and my request were completely ignored. I have sent certified mail providing proof of my identity which included a copy of my driver 's license and social security card. After several failed attempts to dispute the issues on my report I had to make several phone calls. Each time I spoke with an Experian reprehensive I asked them to provide evidence according to Federal Law of their findings of the investigation conducted and I was told that they do not have to provide me with any proof. Experian 's total disregard for federal law has taken a toll on my life regarding my finical well being and access to improve my credit worthiness.

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 2020-12-14 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: AL

Complaint narrative:
I have disputed this account twice with Experian and XXXX  due to inaccurate and incomplete reporting information. I also requested validation, but did not receive it. There is definite inaccurate information that the representatives over the phone have even stated that they see. However the account is still reporting with inaccurate and incomplete information. The open date is reporting as XX/XX/XXXX. However, the company is reporting the first delinquency in XX/XX/XXXX. How is there a delinquency on the account BEFORE the open date? This is obvious inaccurate information. Experian and XXXX have allowed the company, XXXX XXXX XXXX, to verify this information as accurate TWICE. There is also incomplete information. The last payment date is missing. The payment history is incomplete. The past due balance is missing, but the account is reporting as a collection. This is obviously incomplete information. The representatives over the phone with Experian and XXXX  stated that they see the information, but they have to go by what the company reports. This is not true. The credit reporting agencies are responsible for ensuring that accurate and complete information is being reported. Otherwise, a company can report anything to you.

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 2020-12-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX and on XX/XX/2020, JPMCB CARD add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I pulled my report on XX/XX/XXXX from XXXX XXXX. I noticed that my loan with capital one was showing seven missed payments from XX/XX/XXXX- XX/XX/XXXX. I did not miss any payments during these times. Capital one Auto Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: MN

Complaint narrative:
Hi, the Remitly Inc. ( https : //www.remitly.com/ ) is advertise to be a transfer money agent. I just transferred my US dollars to my XXXX account, they just put this transfer on hold. When I try to contact with them by email or phone call, nobody responses. So I think it is a fraud/scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: NY

Complaint narrative:
First and for most, I verify that it is me disputing the information my credit report. The CFPB provides a service so that the private companies do not abuse consumers. I have a right to dispute through this portal to Experian and I have provided my credentials for proof of identity. 

I disputed some accounts on my experian report on XX/XX/2020. The letter is attached. I have yet to receive a response and it has been over 90 days. Please remove these accounts from my report as the investigation took longer than the time allotted by the FCRA. If you are claiming that accounts are verified. According to section 609 of the FCRA, you have to provide proof of that. Which you also failed to do.

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 2020-12-14 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: GA

Complaint narrative:
several fraudulent accounts were opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I'm writing another compliant because I have this hard inquiry in my XXXX credit file report, of XXXX from XX/XX/2020. I'm disputing this hard inquiry a year later because in my other complaints same thing, I at first thought if I disputed certain hard inquiries with one credit bureau all credit bureaus would update to the same information. I now know that is false. So sometime last week I called XXXX ( XXXX XXXX ) and spoke with the President of Office to explain when I first disputed this hard inquiry with XXXX is because this inquiry was a result of fraud. I didn't have credit at all when this inquiry was initiated so therefore I explained this to the president of office in XXXX, but still writing a complaint because I feel no real action was taken after that phone call. I still need to write a compliant because even though in the past I spoke to the same company me writing a compliant here gave me a faster result then the actual company of the inquiry. I also wanted to note in my last recent compliant I meant to say unauthorized for the inquiry of CBNA. What CBNA is doing is illegal because If they can't provide me a letter with words, in writing, stating that they couldn't locate an application dating XX/XX/2020, and told me that on the phone, on a recorded line, but tell XXXX  otherwise, then they're wrong. I know I have the rights to dispute any detail or information in my credit files. XXXX again doesn't want to change that hard inquiry. I have a XXXX  name XXXX XXXX XXXX XXXX. I used to own a Citibank XXXX  account. The reason I no longer am partners with Citibank business is because their agent has the audacity to apply for a credit card using my social security number when I didn't authorize that. I guess he thought since I was a teenager and made comments that my business isn't going to really succeed and acted like he knew my XXXX  better then me, he knew what he was doing to me because I told him I didn't know the difference between business credit and personal credit. I only ever used my XXXX when setting up that old XXXX  bank account and completing any important document work. Citibank business has caused me time, a hard inquiry, and no good use of their services. This was all said when I first disputed this inquiry with XXXX, but XXXX doesn't want to get rid of the CBNA inquiry in my XXXX credit file.

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 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received a letter from Capital One Visa stating my card would be restricted because they did not have an occupation listed. I believed this to be fraudulent, or at least inconsequential, and ignored it. My account was restricted around XX/XX/2020. I spoke to 3 supervisors and none could help me. I am retired, so have no occupation, but no one at Capital One could help me. It is one month and the account is still restricted and may be closed. I do not believe that because I am retired I should have my account closed, which also could negatively affect my excellent credit. I have never missed a payment or had a late payment, have spent tens of thousands of dollars, and no one was willing to correct this supposedly missing information so my account would be available to me. I haven't been able to find the federal law that occasioned this restriction. I think Visa 's " customer service '' was non-existent and unreasonable.

Company response to consumer: Closed with monetary relief