vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 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: AR

Complaint narrative:
Experian has falsely accused me of using a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on well over 30 days ago by mail in dispute of fraudulent items on my credit report. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX XXXX # XXXX is the account that has been removed from both XXXX  and Experian but for Some reason Experian continues to violate my rights. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice I am requesting that Experian continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your response thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Starting on the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX company named XXXX ( the Company ). Money was transferred from my account to the Company  via credit card/wire transfers for a total amount of XXXX EUR utilizing Kraken services.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: GA

Complaint narrative:
On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus XXXX, Transunion, and XXXX. I disputed 5 accounts a late payment from XXXX from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. XXXX, XXXX, and Transunion are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.

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 2020-05-22 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: GA

Complaint narrative:
On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus XXXX, XXXX, and Experian. I disputed 5 accounts a late payment from XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. XXXX, Experian, and XXXX  are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.

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 2020-05-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THIS IS FRAUD AT ITS FINEST

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 2020-05-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THIS IS FRAUD AT ITS FINEST

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Last week I went to Costco and when I was going to pay with my debit card, I couldn't do it because my card was blocked, I called to my bank and they told me that they are going to send me a new debit card because my account was working very good. On XX/XX/XXXX my partner who shares the account with me told me that she received a letter saying that the account is going to be closed, so we called the bank and they told us to go there and speak to a representative, but yesterday XX/XX/XXXX we went and when we arrived they told us that the accounts were canceled and that a note appeared in our account that said : do not open a new account, because the bank does not want a relationship with us, we were shocked, because we are very good customers, so they returned us our money in checks, we feel super discriminated, because I am XXXX, we are both two XXXX women, we have our jobs, we have bought houses because we are good clients of this bank and we did not expect that treatment from Citi Bank in these such difficult times of the coronavirus.

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 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The account is completely inaccurate Date opened is inaccurate High Credit is Inaccurate Comments/Remarks are inaccurate

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 2020-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
At some point in 2019, I was offered a balance transfer with a 0 % APR. On my most recent statement, the rate was increased to 22.99 % and I was charged {$150.00} in interest with no warning or notification. For comparison, I have another card moving from 0 % in XXXX and I have received numerous emails reminding me of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
ACCOUNT IS INACCURATE DATE OPENED IS INACCURATE HIGH CREDIT IS INACCURATE COMMENTS/REMARKS ARE INACCURATE PAYMENT HISTORY IS INACCURATE

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 2020-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The balance was paid in full last month yet Home Depot STILL charged interest on a XXXX balance. 

I have seen them do this before and have called them out on these unfair and deceptive trade practices. 

I submit this complaint primarily to assist the other Americans who are not as financially savvy as I am nor as conversant with Title 18 violations and other Banking regulations meant to protect hardworking Americans instead of fleecing them as has been the practice in the past. 

Thank you so much for your time and consideration.

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 2020-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

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 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
ACCOUNT IS INACCURATE Date opened is inaccurate high credit is inaccurate comments/remarks are inaccurate Payment history is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: OH

Complaint narrative:
When attempting to obtain a credit report at XXXX after completing initial information page ( step 1 : name, SSN, address ) and being directed to step 2 : select credit reporting agency, questions to verify my identity have nothing to do with me and are impossible to answer. I have called all the bureaus and they say it's the computer. 
This follows me opening an checking & savings accounts at CHASE only to receive a letter stating " We blocked your account ( s ) .. and will close it soon. While reviewing your account, we obtained information from a consumer reporting agency and decided to colose your account. The consumer reporting agency played no part in our decision, and is unable to supply specific reasons for it '' The agency they reference is XXXX. 
From what I could ascertain, I have no issues at XXXX. Calling on CHASE to explain only yielded extremely rude and smug responses from their so-called customer service agents and supervisors. 
If these agencies can profit from my data, I think I deserve some control over what information is being added to my credit profile. 
HAS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2020,,, Contiued,, Issues That Was Not Finished Yet,,, My Feelings About These Issues Is Not Over Yet, This A Very Heart Felt Exprience That Took Place Old And New,, Yes I Stll Feel Overwhelmed About These Matters,, Now I Have Been Very Patience With These Matters,, About Still, No Response,, But Letters If This Bank Really Wanted To Take Care Of These Issues,, Move Forward And Do Something about,, These Matters Quickly,,, In Order To Move Pass Old Hurt,, Is To Fix The New Beginning,, Yes,, Do I See Them Trying To Fix This Mess,, No!!!,, Very Slow,,!!!,, I Would Appriecated If They Stop Senting Me Letters Of Lies, After Lies,, So UnAcceptable,, Start By Sending The ( TRUTH )!!!

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 2020-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a HELO with Fifth Third Bank. It is setup, as mandated by the Bank, for automatic interest payments to come out of our Fifth Third checking account every month. The bank required us to open the checking account for the HELO loan - it was mandatory for the HELO terms. The bank also said that ONLY interest will be taken out each month from the checking account, and that we would need to make a separate principle payment IN ADDITION to the auto withdraw.

Each month, I make one or two PRINCIPLE ONLY payments. I clearly note that it is principle only and I use Fifth Third 's online payment, by selecting OTHER  PAYMENT option rather than the Regular Monthly Payment ( which is interest only ) and in caps in the memo I clearly specify that it is Principle Only. The Regular Monthly Payment Option is only for interest, and is not selectable since I have the mandatory auto pay from the checking for that interest payment. 

I called the bank and they refused to reapply my PRINCIPLE ONLY payment to the principle. They said I would need to call back in 10 business days and make another request.

This is a common practice of Fifth Third bank and has been going on for over three years on both my mortgage and on my recent HELO. This banking practice makes it very difficult to paydown the balance and this practice should be illegal.

After a second call and a conversation with the Supervisor, I was finally able to have them curtail the payment to a PRINCIPLE ONLY payment. However, the XXXX said that they DO NOT take early payments. Fifth Third does not allow you to pay your mortgage payment ahead of time. So if I wanted to pay XXXX and XXXX mortgage payments in XXXX, I can't do that. If I want to pay my principle on my HELO down before they deduct the interest, I can't do that. THIS BANK MAKES IT IMPOSSIBLE TO PAY PRINICPLE DOWN EARLY on HELOs and to make advanced mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. Per the credit bureau, this company reported addresses and phone numbers that are different from my actuals. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.

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 2020-05-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/2020 I purchase an airline ticket for my daughter to travel from XXXX to California. The trip was cancelled on XX/XX/XXXX by the airline and my daughter was not able to flight back to America. 
I contacted multiple times XXXX to get my refund with not success. for that reason on XX/XX/2020 I open a dispute with Citi bank. and now Citi bank says that the merchant offer me a voucher. I want you to know that as of today XXXX said to me that they are waiting for XXXX to answer to issue a refund. 
Citi close my case and side with XXXX. 
I received two days ago an email from XXXX saying that they are waiting for XXXX   to issue the request. 
The issue here is that XXXX refuse to issue the refund and Citi bank side with them. 
My Dispute number with Citi is : 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 2020-05-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2020 : I have been a frequent victim of identity theft so I put a temp freeze on my credit report when its not being used. Im trying to apply for a loan for a new AC   system. The company uses Experian for their credit checks. 

I went to Experians website to remove the freeze. I dont remember my PIN ( its an odd length and I dont do this often ). So, I answered the out of wallet questions to help verify my identity. While I answered them correctly, apparently its different then whats in my file with Experian. The only option they are giving me to remove my freeze is mail. I tried to call, but their IVR prevents you from speaking to a person. You get stuck in a loop where their automated system tries to help you, but it fails. I tried calling their corporate office, but could not get ahold of anyone either. 

This process is completely unfair. I can not see why mailing a price of paper is anymore secure than anything electronic or via phone. Someone could very easily mail in this form and they would have no idea. 

I also feel this takes advantage of the slow response via mail, especially during COVID where everything is taking longer to ship.

I simply can not wait to mail information back and forth to remove this freeze from my credit. There is mold in my AC unit its unhealthy for my family to continue to breath this in. Im going to end up having to wait if I have to mail this back and forth.

Its the 21st century. If they gave a 2nd chance on these out of wallet questions, perhaps I could have answered other information that would have helped them verify my identity.

Im sorry Im so frustrated. I hope you can help prevent other people from having to go through this.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion fraudulent credit card charge : XXXX XXXX, 2020 I tried unsuccessfully to freeze my credit using their website. The website is convoluted and obviously geared to trick you into buying services you do not want. I subsequently phoned their helpline and the person I spoke with froze my credit. On receiving my credit card bill there was a {$21.00} charge by TransUnion. I never authorized this and do not know how they got my credit card number. I can only assume they already have it on file and feel it is their right to use it without my consent. Searching online, I see many other similar consumer complaints.

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