vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Hello, I did balance transfer for {$4000.00} from Barclay Card to XXXX on XX/XX/21. I did not received any confirmation the balance transfer was successful from Barclay, so I check my XXXX, the money was not there yet. I found out later that I missed type one digit of the XXXX card, and XXXX did not received the fund cause of invalid credit card number. I admit that my mistake. So I been trying to get hold Barclay Card to find out where's the {$4000.00} ( since I have never received the confirmation of balance transfer completed ). 
That was 3 months ago, I called Barclay twice a week, been transfers to many departments all over the place, from Customer Service, Balance Transfer Fraud, Dispute, back to Fraud, back to dispute, and now back to Customer Service again. I even submitted the Dispute on XX/XX/21 through fax XXXX - and no response. Meanwhile I'm paying interest on the {$4000.00} that I don't have. 

Each time I called, it took about 1 hour to explain and to get transfer all over. There's no one can help me. I'm frustrate, and with being lay off due to COVID last XXXX, the {$4000.00} is a lot of money. 
So I decided to write to you to beg for help cause all the time I spent to call and the emotional stress going no where.

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 2021-11-26 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: NJ

Complaint narrative:
I Have Been Contacting Experian, XXXX And XXXX Since XXXX XXXX About Fraudulent And Inaccurate Information Reporting On My Credit Report. I Have Also Filed A FTC Report And I Am No where Closer To Getting Any Results Now Than When I First Started Out.

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 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Late Payments on my credit reports are incorrect all the payments were made on time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
The firm ALDOUS AND ASSOCIATES is again reporting a collection of 129.00 to my account in error. First in XX/XX/2021 and now in XX/XX/2021. ALDOUS AND ASSOCIATES is stating they are representing XXXX XXXX regarding this reoccurring dispute. While XXXX XXXX has emailed me twice, stating there is an error and not much money is owed this has not stopped ALDOUS AND ASSOCIATES from taking my credit score from XXXX to low XXXX. We need XXXX XXXX to do a much better job in protecting its client from fraudulent claims and negative impact to their financial livelihood. I must have XXXX XXXX ; XXXX legal department address this matter with ALDOUS AND ASSOCIATES directly ccd to me at XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the list of the following Inquiries and need to remove completely from my Credit Report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: MN

Complaint narrative:
On XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. 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 2021-11-26 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
EOS CCA Collection Agency {$1200.00} reporting to credit bureau.which is incorrect must remove from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I was sent to collections by my XXXX XXXX I negotiated the amount to settle the debt with the collections company and I paid the total amount owing in full ( got extra points added back to my account, negotiated no maintenance fees for the year and no other amounts as it would be considered paid in full ). 

Account was debited for the agreed amount XX/XX/2021. 

Now the account was reactivated with a new account number and I am getting daily and sometimes twice daily calls to collect an over due amount I didn't agree too for reactivating the account totaling a new collection amount of {$3900.00}. 

This was never disclosed, never agreed upon by any party between the company, nor their third party agent the collection company while negotiating the terms of the collection account. I did tell them to stop calling and they continue to call daily. 
The XXXX XXXX doing business as XXXX - XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: ENCORE CAPITAL GROUP INC.
State: NY

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 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my account. Sending them letters last time I have not received any response up to this date. On the other hand, inaccuracies about my account are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned account that is still reporting on my reports : XXXX XXXX-XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Late Payments on my credit reports are incorrect all the payments were made on 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 2021-11-26 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I traveled to New York XXXX for XX/XX/XXXX weekend in XXXX. I noticed when checking my account balance on XX/XX/XXXX a paypal transfer to someone I didnt recognize. Also realizing I didnt have a XXXX account. I contacted Bank of America and notified them of XXXX separate transactions from XX/XX/XXXX to the XXXX totaling {$10000.00}. The BofA fraud representative completed the internal paperwork and BofA returned the {$10000.00} in funds within XXXX business days later. I was informed by the representative the fraud department would handle and no additional action was required by me. 

BofA then proceeded to withdraw the funds they returned on XX/XX/XXXX and XXXX of XXXX. I immediately notice these withdrawals and contacted the fraud department. They informed me that they were taking back the funds since it took XXXX days for me to recognize the fraud on the account and report it. They also stated in that same call they only received a response from XXXX with details of the fraud committed and provided me the persons name, originating address for the XXXX pickups, their phone number and email. I was then informed to file with the NY XXXX XXXX I contacted my local police department so they could transfer the complaint to the appropriate NY jurisdiction. 

Please note the fraud committed was a combination of the following of which would easily identify who perpetuated the fraud. 

Over XXXX Payments made to XXXX, XXXX different times a person transferred funds using XXXX XXXX, XXXX transfers and even XXXX orders of Dominoes pizza on the same day, along with the Lyft accounts. 

Bank of America with a minimal amount of due diligence and investigation could have easily found the culprit. Additionally, I was using my card at XXXX XXXX area in XXXX, FL the same days someone in NY was transferring, withdrawing, etc.

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 2021-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hey My name is XXXX XXXX XXXX and on XX/XX/2021 I sent in a dispute with TransUnion. is has been well over 30 days and I have yet to receive my reinvestigation results. at this point, I feel that I am being taken advantage of this especially by them reporting these items it's making it hard for me to obtain credit. I am trying t buy a home and TransUnion not doing their jobs it's making the process hard on me. I'm really to the point where I'm looking to file a suit against this company. I am asking that you guys please resolve this issue ASAP.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: AL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A fraudulent charge of {$640.00} from XXXX was charged to our Chase XXXX card on XX/XX/2021, then posted on XX/XX/2021. After receiving a text from Chase on XX/XX/2021 notifying us of this pending charge, we cancelled that credit card number and was issued a new card from Chase. 

Chase received incorrect proof from XXXX stating that we made the purchase and received the goods. A few months later we learned that the phone number, email address and XXXX Address on the invoice were not ours, but XXXXhe street address was correct. Chase took XXXX 's word and recharged the items to our new credit card number. 

XXXX was contacted and they say the order was valid, even with the incorrect phone number, email address and XXXX Address. 

XXXX was the delivery service and they say that they delivered two boxes and different times on XX/XX/2021. We were only notified initially by Chase of the first delivery, so downloaded a clip from XXXX XXXX security camera which show a XXXX delivery of a box which was too small to contain a XXXX XXXX XXXX vacuum cleaner. by the time we were notified of the later delivery, it was past the 60 day time frame for online video storage with XXXX. We actually went to XXXX and found the exact product described on the XXXX invoice that we eventually obtained from Chase. The dimensions of the XXXX XXXX vacuum box was obviously larger that the box that was delivered by XXXX on XX/XX/2021. 

We have gone round and round with Chase and they would NOT remove the fraudulent charge from our account. We paid the amount that we do not owe and are currently not using our Chase XXXX cards. 

We have filed a police report for identity theft, as well as an Identity Theft Report with the FTC. 

The bottom line is that we did not order two XXXX XXXX XXXXrom XXXX, we never received two XXXX XXXX from XXXX, but we were stuck paying for two XXXX cleaners from XXXX to maintain our credit rating. We keep digital copies of receipts from online purchases ... and if this can happen to us, it can happen to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: IL

Complaint narrative:
my BROTHER XXXX XXXX XX/XX/2021, I HAVE CONTACTED CHIME SO MANY TIMES IT IS NOT FUNNY.I HAVE SUBMITTED ALL THE PAPER WORK THEY ASKED FOR EXCEPT HIS PHOTO I.D..I SENT BACK IN WRITING COULD NOT OBTAIN FROM STATE OF ILLINOIS DUE TO FRAUD PROTECTION.I AM TRYING TO RECOUPE MONEY FOM HIS ACCOUNT, BUT GOT NO RESPONSES AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: CO

Complaint narrative:
On XXXX XX/XX/2021, I contact the Hilton Honors program to claim my free night as per the credit card agreement and email from Amex on how to request a free night. I was told by Hilton that there were no free nights in the system. I called Amex and XXXX gave me the XXXX valid Hilton free night award certificate numbers, we then went on a conference call with Hilton. XXXX, from Hilton, stated that the numbers Amex was providing were not valid. On XXXX XX/XX/2021, I contacted Amex again and was told they were investigating. On XXXX XX/XX/2021, I contacted Hilton and they again said they numbers from Amex were invalid. What is the point of having a co-branded credit card with Hilton if Amex does not provide the free nights as promised? On XXXX XX/XX/2021, I again contacted Amex and was assured they are working on the case- but to contact them " back within XXXX days. '' It is unacceptable that what is described as a simple process on the Amex web page and the Hilton Honors site is not being followed by these XXXX companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: NJ

Complaint narrative:
I Have Been Contacting XXXX, Equifax And XXXX Since XXXX XXXX About Fraudulent And Inaccurate Information Reporting On My Credit Report. I Have Also Filed A XXXX Report And I Am No where Closer To Getting Any Results Now Than When I First Started Out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AR

Complaint narrative:
My account was deactivated by square a few months ago, and I have yet to receive proceeds from the sales that were processed prior to deactivation. Ive messaged them and no one has yet to resolve the issue! The funds have been held longer than XXXX days in the amount of {$700.00} ( {$670.00} ) after fees! I just need the money transferred to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: WA

Complaint narrative:
I contacted Transunion XXXX of XX/XX/2021 to have these inquiries removed they refused to removed them and I am concerned Ttansunion has our credit information open to foreign workers in others countries that when you can you can't understand them. Please see attached document

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