vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Cards have restricted me from speaking to a customer service agent via telephone or " secure chat '' on their mobile app due to a dispute over an annual fee refund. On a recorded line a Citi authorized agent agreed to refund the annual fee due to poor service and lack of transparency. I must note again the event was via a recorded line! In addition they failed to adequately service a co-branded card, which had a legal dispute ... resolved confidentially via the merchant and I. As a 13 year Citi Gold customer I am disgusted they will not let me downgrade or close my Citi Prestige card via online or telephone ( I want a product conversion as a closure would lower my credit score ). They want me to write in to South Dakota during COVID-19 putting myself and family at risk to get stamps at the post office ( unnecessary when staff is encouraged to work from home ). I am outraged that they hold my deposits and three credit cards and charge me an annual fee of {$490.00} for a travel card when travel is essentially restricted to essential work not leisure. Citi should be investigated for putting their premium customers at unnecessary risk during these uncertain times in an attempt to mask their poorly trained staff 's lack of basic service. I think I have a right to challenge a top 4 US bank if they lie and try to cheat a customer ... after taking billions in tax dollars in a bail out. In addition I am a shareholder of Citi and thought the institution learned from their previous regulatory fines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2020, XX/XX/2020 sent letters to all 3 credit bureaus about the chapter XXXX bankruptcy filing

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 2020-04-19 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: FL

Complaint narrative:
I am a Victims of Identity Theft. I Never Authorize this Account I want This Account Removed From my Credit

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 2020-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX I received an invoice from PayPal from whom the business customer uses their invoice services to receive money, due to high call volume they were advising to message the reps on an issue that I could not do myself, So on XX/XX/XXXX I sent a message stating that I have a problem with a service that was not rendered and I am not able to dispute the transaction, matter was looked into and then I had to link the card that I used to pay upon doing this a rep by the name of XXXX stated I was protected under the buyer payback protection as long as it was within 180 days, ok so upon looking at the day I purchased I was within the timeframe because I reached out on XXXX and followed up today XXXX purchase was done XX/XX/XXXX, so she comes back to say that PayPal can not go no further back on transactions before XX/XX/XXXX, she would not escalate the situation as I asked her to, her last response was she respect my decision, so I am asking PayPal to refund my XXXX because their business customer has not fulfilled a service that I paid for I was well within the 180 mark as she stated was your policy, the whole conversation is within my message inbox

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I paid off this card to a XXXX balance on XX/XX/2020. I contacted Goldman Sachs on XX/XX/XXXX to inquire about closing dates and when the updated balance will be reported to the credit bureaus. The answer that I was given was uncertain but the agent opened an internal dispute to look into getting the information updated. After not hearing anything back, I filed a dispute with XXXX in early XXXX and Goldman Sachs incorrectly reported this information as accurate. As of today, XX/XX/XXXX, the account is still showing an incorrect balance ( {$2400.00} ) thus affecting my credit score and my ability to make purchases. I contacted Goldman Sachs again today and the agent that I spoke with stated that the previous investigation was closed and that she will reopen another. According to my records, Goldman Sachs has not reported anything to the credit bureaus since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2020, XX/XX/2020 sent letters to all 3 credit bureaus about the chapter XXXX bankruptcy filing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2020, XX/XX/2020 sent letters to all 3 credit bureaus about the chapter XXXX bankruptcy filing

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 2020-04-19 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:
I am a Victims of Identity Theft. I Never Authorize this Account I want This Account Removed From my Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a Victims of Identity Theft. I Never Authorize this Account I want This Account Removed From my Credit

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 2020-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I paid off this card to a XXXX balance on XX/XX/2020. I contacted XXXX XXXX on XX/XX/XXXX to inquire about closing dates and when the updated balance will be reported to the credit bureaus. The answer that I was given was uncertain but the agent opened an internal dispute to look into getting the information updated. After not hearing anything back, I filed a dispute with Transunion in early XXXX and XXXX XXXX incorrectly reported this information as accurate. As of today, XX/XX/XXXX, the account is still showing an incorrect balance ( {$2400.00} ) thus affecting my credit score and my ability to make purchases. I contacted XXXX XXXX again today and the agent that I spoke with stated that the previous investigation was closed and that she will reopen another. According to my records, XXXX XXXX has not reported anything to the credit bureaus since XX/XX/2020.

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 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I frequently monitor my credit information. Having had my personal information released in several data breaches over the years, I am conscience to review my information. On XX/XX/2020 I noticed my credit score had decreased by over 100 points from the prior day. I saw noting in the report to support why this happened and have been unable to adequately research why this would be. The report was through Experiean. The website does not give any method to inquire why this would be or provide a venue to seek assitance.

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 2020-04-19 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: TX

Complaint narrative:
One XX/XX/XXXX when signing the original loan documents papers with XXXX XXXX. During the signing process the loan representative changed the original loan documents causing the original loan approval to be deleted. The loan representative keep trying to get the loan reapproved but his actions resulted in multiple hard credit inquires and letters that the loan was declined. I was finally able to sign for the loan on XX/XX/XXXX. I called Transunion but was told that I need to file a police report and send them a copy of the report. They refused to open a dispute. 
I mailed a letter dated XX/XX/XXXX to XXXX XXXX disputing the multiple hard inquiries. I confirmed, by phone, that the letter was received on XX/XX/XXXX. 
Their response was to send me letter why my loan was turned down instead of investigating the issue. I have made several calls to get a update on my dispute but only receive a run around. My last contact with XXXX XXXX was on XX/XX/XXXX. I was told that my file was given to someone who was investigating the dispute and finished it XX/XX/XXXX. I was also told that I may to start the dispute process over.

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 2020-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My identity was stolen in the Equifax breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RateGenius Loan Services Inc
State: NV

Complaint narrative:
RateGenius is a auto refinance company online which offers auto refinance service. They advertise that you can apply with no impact to your credit score. I filled out t he online form ( nowhere does it authorize a hard inquiry unless you move forward and accept their proposed loan terms ). Someone from their office contacted me and offered an absurd rate. I told them no thank you and to close out my request for information. AFTER I requested that, they then did a hard pull on my credit file, negatively impacting my score. I never authorized the hard pull and it should be removed from my file. They don't respond to request, as they're clearly some shady fly-by-night company. RATEGENIUS/XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX The above is the information as it appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Creditor's Collection Service, Inc.
State: PA

Complaint narrative:
They put it on my credit 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
Consumer complaint received 2020-04-19 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JPMCB Card Services is reporting my credit incorrectly for XXXX, XXXX and XX/XX/2019. This is due to 2 factors. First, when I setup a repayment agreement in XX/XX/2019, the representative whom I spoke with advised that I could choose my due date. However, what the rep did not disclose was that I was choosing my draft date for the payment, not the actual due date. As a result, my payments were drafting after the payment due date. This came to a head in XX/XX/2019 when I spoke with a rep to make payment. During the call, the rep told me " you are already 30 days past due ( the due date was still the XXXX for XXXX 's payment ). '' And then, he said " don't worry about that '' and make the payment when you can. I am asking for JPMCB to correct my credit for the XXXX, XXXX and XX/XX/2019 reporting dates due to their misleading practice of allowing me to set a payment draft date AFTER the payment due date as well as for the representative in XX/XX/2019 who advised me to " not worry about my credit ''. Since then, I've tried to speak with customer service, only to be redirected to different departments without any resolution. Now, with the COVID-19 pandemic, I can't even get through to a representative. In fact, I've been hung up on twice and since then have had to wait at least 45 minutes each time I've called before hanging up because I have to return to work ( can only make calls during my lunch break ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am in a situation that I can not make my mortgage payment in the next month with Bank of America. However when I get online at the bank website to apply for 120 days postpone payment, their website saying that they will report to my credit bureau that during Covid-19 that I can not make mortgage payment and the late charge is not charge. My question is, is this reporting from Bank of America affecting my credit in the future if I apply for a loan or credit card?

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 2020-04-19 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: PA

Complaint narrative:
On XX/XX/2020 experian Posted on cfpb complaint about XXXX XXXX  account that is wrongfully On my report it commenced a investigation Under the FRCA They only Have 30 Days To Complete There Investigation the Investigation Was not Completed Until XX/XX/2020 Well Over the thirty day mark.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: VA

Complaint narrative:
I have been using the prepaid visa debit card Cash app for about 2-3 years. You can not spend one cent over your limit. If you are over when paying it is rejected immediately. I used my card for my stimulus  payment due to the pandemic. I bought what I needed. As of XX/XX/2020, I had a balance of {$180.00}. When I woke this morning at my cash app sent a message saying I was - {$140.00}. They have no customer service phone with live agents to immediately report the problem only email support, which they send only generic responses. I believe the cash app is stealing the stimulus funds, should be looked into under the RICO Act and shut down for extortion. I also believe this is XXXX. What reputable company has no live customer service? I never had an issue with this card until I received the stimulus payment. I regret having used this card. I need help. I do not owe the cash app {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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:
My Ex Husband stole my information ... .he filed for these things and his credit reports are clean and all was reported to mine ... .these accounts are fraudulent ... I have never filed for bankruptcy or any of these other accounts listed on my credit reports ... .I filed a police report and and Identity Theft affidavit in which I submitted to all 3 bureaus and nothing has been done ... these accounts should have been blocked and or removed within 4 business days per section 605b of the FCRA.

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

all documents are attached with dates ... .please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX  mistreated me by increasing my increasing my rent charge every month. I inform them that I'm now on XXXX with limited income and they stated it was not their problem. They lied to the courts which I had to straighten out by showing the correct documents. I'm still on XXXX with a limited income. I have documents regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: TX

Complaint narrative:
Experian is reporting child support as a loan. This reporting includes payment history. It's showing on my credit report as an installment loan. XXXX disputed with experian twice. The second time. They completed the dispute in a day. They did not change the way they reported. It is my debt, they should not be reporting it as an installment loan though.

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 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX DOB XXXX SS 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 2020-04-19 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: GA

Complaint narrative:
My Ex Husband stole my information ... .he filed for these things and his credit reports are clean and all was reported to mine ... .these accounts are fraudulent ... I have never filed for bankruptcy or any of these other accounts listed on my credit reports ... .I filed a police report and and Identity Theft affidavit in which I submitted to all 3 bureaus and nothing has been done ... these accounts should have been blocked and or removed within 4 business days per section 605b of the FCRA.

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

all documents are attached with dates ... .please advise!

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