vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This case was previously sent to you. Thanks for copntacting CITI Bank to resolve the case but CITI Bank only provided me with partial refund and when I contacted them by phone they told me they will not give me the remainder of the amount which is {$680.00}. On XX/XX/XXXX XXXX refunded me for the ticket for cancelled trip because of COVID, On XX/XX/XXXX CITI withdrew an amount of XXXX from my account in two transaction {$790.00} and {$250.00}. As of today CITI Bank had not sent me a reason for withholding {$680.00} and credited my account only for {$360.00} 3 weeks ago. I have been calling and speaking to CITI Bank and as of today they have refused to credit the {$680.00} which they still owe me. I am asking for interest added to the amount which is {$50.00} since XX/XX/XXXX and 7 months have passed and I still have not received a closure on this issue which have taken lot of my time and stress to deal with this issue. The amount of {$680.00} is posted as Other Credit on my statement which XXXX  refunded me for upgrade and extra luggage fees which I paid XXXX  and now CITI Bank has deducted from the refund amount of {$1000.00}. I am asking for a total amount of {$730.00} which included the {$50.00} interest. Thank you so much for your assistance and keep up the good work. CITI has chosen to underestimate customers and take my hard earned money away from my account and withdrew funds from my account for 7months without giving me a reason and not even contacting me in writing or by phone and upon me calling CITI constantly still refuse to give me my own money and are rude on the phone. I am glad I found CFPB to help me with this. Thanks a lot CFPB.

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 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC my second letter regarding the alleged debts of {$100.00} and {$150.00} that i don't owe. i haven't received anything from the last letters as well from XX/XX/2021 XXXX # XXXX XXXX XXXX XXXX XXXX. I would like for it to be delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: OH

Complaint narrative:
I filed dispute on items on my credit report again on XXXX to XXXX, transunion, and XXXX stating these items are inaccurate, unverifiable, and questionable. I ask for original contract with my signature on it which has not been sent so it means this account is unverifiable but have on my file that it is.

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 2021-07-13 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: CT

Complaint narrative:
On XX/XX/21 I have sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. It has been over 30 days they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have numerous hard inquiries on my report some I have no knowledge of and some when prequalifying said they wouldn't hurt my report/score. 

Pursuant to 15 USC 1681b Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-07-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have numerous hard inquiries on my report some I have no knowledge of and some when prequalifying said they wouldn't hurt my report/score. 

Pursuant to 15 USC 1681b Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently checked my XXXX  report and there is a collection being reported by SYNCB Banana Rep.I tried reaching out to them but I havent heard anything. This account is not mine. I would like to see validation of when and who opened this account. I never signed any document to allow for this account.

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 2021-07-13 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently sent an email to the CEO of Experian citing the accounts I've been trying to get them to fix since XXXX. I attached proof of everything for my disputes- Copy of email from XXXX CEO stating account could not be located, proof that I placed a freeze on all third party reports, proof that Experian was reporting differently than XX/XX/XXXXand XX/XX/XXXXXXXX I also attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately and that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting and that they're also supposed to provide me proof of how they got the information. 

Today I get a call from ( XXXX ) XXXX, who is either the CEO or his representative. He left a voicemail message stating they're not obligated to provide proof of validation nor are they obligated to make sure they're reporting aligns with the other CRA. I saved this voicemail and subsequently called the phone number. This gentleman is basically telling me they don't have to comply with the FCRA. I cited each section and he continued to basically tell me they don't have to comply. Someone needs to explain this to me, how an agency can refuse to comply with the law when they're are hefty fines regarding FCRA violations. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty and Experian is blatantly violating several sections of the FCRA.

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 2021-07-13 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: VA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: IL

Complaint narrative:
I have written Experian 4 times about an account that is not verified to be my account. I have asked them several times to show me the proof they have that the debt belongs to me. If it is my debt and you have verification then you should be able to send me that proof or else remove the item as suggested in the FCRA. they have yet to remove the item nor have they sent me proof that the debt in question belongs to me. 

This is all they sent The dispute for the account with XXXX XXXX XXXX, XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 
Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL 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 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
My wages started getting garnished without any notice whatsoever. No voicemails, no letters in the mail, nothing. Then out of nowhere they started taking XXXX  of dollars out of my account every week. I never looked at my paystubs because they come in the mail, I just look at my bank app to see what was deposited. I took my short check issue to my supervisor because I thought they had messed up the payroll. When i opened my pay stub for the first time I had already paid almost XXXX dollars in a matter of weeks. I called them to try and work out a payment plan and they told me its already too late. Told them if this goes on for 3 months ill lose my house because I can not afford XXXX a month. " Still nothing we can do sorry '' only documentation I have of this garnishment is from my employer XX/XX/21 I didn't get the letter until the beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Account Name : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$1100.00} Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have taken the Bank Of America Balance transfer promotion on my account in XXXX ( XX/XX/XXXX ) XXXX amounting to {$4000.00}. It was given as 12 months of interest-free with a 3 % of the Balance transfer fee. 

I already set up the monthly payments accordingly, but to my surprise, BOA was charging me 18 % interest since XXXX on the Balance transfer. 
When I called BOA regarding this, they communicated that they cant trace the promotion and hence they are charging me the fees. 

When I told them I took this as a promotion and I can also understand there could be a system glitch that you are not able to see that offer, and I also offered them that will pay the entire amount instantly and requested them to drop the interest charge for that they denied that. 
I feel cheated and wanted BOA to refund the interest they have charged me since XXXX of 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 2021-07-13 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: DISCOVER BANK
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account with Bank of America XXXX XXXX branch at XXXX XXXX XXXX, XXXX XXXX, CA on XX/XX/XXXX. I was misguided to open this account under the pretense that having an extra checking account with a low balance will provide extra protection against fraud. This account was left idle and never used for any Banking purposes since I already had a regular checking account and a savings account prior to this checking account opening. 

Little did I know that a monthly maintenance fee of {$25.00} was charged likely since the opening of the account. I can't access the full account transaction history to verify when the first charge was made. I can only view the monthly records from XX/XX/XXXX to XX/XX/XXXX. From XX/XX/XXXX to today, a {$25.00} maintenance fee was charged and a XXXX cent interest was posted to this account. No other transactions occurred on this account. When I called Bank of America, the service rep, XXXX from Washington, verified that she could see further back to XXXX and the same pattern existed ; Bank of America charged me {$25.00} in fee every month for 3 years. She couldn't see further back to the account history to find out when the first maintenance fee was charged. 

I would like to file a sales practices and UDAAP complaint against Bank of America. I was not notified any account maintenance fee at account opening time. Nor did I ever needed this account had it not been for the banker to talk me into it. I would like Bank of America to refund all the maintenance fees ever charged to this account in full and close this account. I am outraged with their misconduct. This account bears no other transactions initiated by me. It shows a clear trail of Bank of America 's greedy operations of charging {$25.00} fee to an account that was never used by the customer month over month for many many years without even a notice to the customer. 

Thank 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 2021-07-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report there are 4 opened/closed accounts ; originally owned by XXXX XXXX XXXX XXXX. The Company ECMC retrieved the dropped accounts and reopened them on XX/XX/2019 after I started a dispute against the loans with XXXX. I reached out to ECMC requesting that they provide me a signature of my approval of the loan but they couldn't provide a statement of account of my signatures attesting of ownership or a full account number of the schools documentation of attending the school. They did send a promissory note with my name typed in .... which is not my original signature nor ever sent to me via email or in person to sign. 
It is to my understanding that the report came from XXXX XXXX a school I have not attended. ECMC also disclosed that the review that I requested by the education department is still not yet clear if I am approved or not for student loan debt relief. The loan account number for ECMC is listed XXXX ... with the other numbers hidden. When I asked to give me the full account number for my report, they stated that they couldn't provide me with that information because it wouldn't help my case in submitting another dispute and insisted that your department will have the account information needed to process my complaint the account are as follows : Account XXXX. XXXX Account XXXX. XXXX Account XXXX. XXXX Account XXXX, XXXX Totaling : XXXX By the provisions FCRA15USC-section 1681I of the fare credit report act of 197, the items listed above be reverified and deleted from my record. These items do not belong to me. Also in FCRA 15USC-section 1681I part 5 and 6 states that I should be notified when the items have been deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation