vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$880.00}, {$100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R  226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: LA

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am waiting for my account to be credited the bonus I am supposed to receive for meeting new account requirements. I called to check on it and after holding for ten min and being transferred I was hung up on.

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 2020-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive submitted several disputes in the past via mail, phone call, and online if available. The issue I was reporting is the balance of the creditor ( XXXX  ) should be reported into the Bankruptcy. This is the only account that is not showing in the bankruptcy that has a proof of claim of being included In the bankruptcy. Ive called the creditor ( XXXX  ) of the issue and provided me a number of their bankruptcy cases attorney. I explained the issue to them and they referred me back to the credit reporting agencies and the creditor. I have been bounced around several times without resolution. I have the documents the creditor ( XXXX  ) submitted for proof of claim in the bankruptcy. The results keep coming back as verified when : # 1 the account is closed and referred to their bankruptcy attorney # 2 Keep incrementing payments when proof of claim is in Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive submitted several disputes in the past via mail, phone call, and online if available. The issue I was reporting is the balance of the creditor ( XXXX  ) should be reported into the Bankruptcy. This is the only account that is not showing in the bankruptcy that has a proof of claim of being included In the bankruptcy. Ive called the creditor ( XXXX  ) of the issue and provided me a number of their bankruptcy cases attorney. I explained the issue to them and they referred me back to the credit reporting agencies and the creditor. I have been bounced around several times without resolution. I have the documents the creditor ( XXXX  ) submitted for proof of claim in the bankruptcy. The results keep coming back as verified when : # 1 the account is closed and referred to their bankruptcy attorney # 2 Keep incrementing payments when proof of claim is in Bankruptcy

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 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
XXXX XXXX I called someone which I thought was cash app support. Only to turn out it was not it was a scam. He told me to download an app so we can figure this out together. The app was calling team viewer. That is the worst app in the world my life changed from that day on. He saw my account and my chime bank account was connected to cash app. He than was able to push number and said he was sending me money to see if my account can receive and than see if he can draw it back out. The whole time he was just taking my money XXXX. I was left with {$12.00} and {$400.00} something in my savings. I hope no one else go through this. Cash app finally email me back and said it wasnt anything they can do about it because it has already cleared. XXXX XXXX  said my dispute was denied. All these payments went out right behind one another to names I have no clue they are not in my address book or anything. I need help please. You can see when some transactions was canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
THIS IS MY SECOND ATTEMPT It started back in XXXX I made a payment. It was never posted to my account so they charge me a late fee. I contacted my bank they couldn't find where they attempted to retrieve the payment. I was told my payment was return for insufficient funds. I disputed this and in the end I was back in ground zero. So I decided just pay them off and cut up the card. I maid two separate payment. The first payment was processed with no problems. The second payment and full amount of {$50.00}, due in XXXX. To be more precise XX/XX/2020. I made the payment on XX/XX/XXXX and it was process on XX/XX/XXXX. It was posted, XXXX balance. I bite the bullet happy riddance. In XXXX I got an email stating a balance of {$85.00} was due by XXXX XXXX. Immediately I said this Ludacris, So I immediately contacted Comenity. I was told my payment was rejected again for insufficient funds. I contacted XXXX XXXX  XXXX. I was told the was processes on the XX/XX/XXXX.The ID was XXXX paid to Comenity. I call back and I spoke to several customer service rep. Most of them gave the run around and no resolution. So I went into one the  Branch ( XXXX XXXX XXXX ) and spoke to The Manger. after and hour and and half he couldn't were the check was return. And more so at the time of transaction I more than enough to cover this transaction .I was told to try resolving the matter and still no where. So I went back to the manager he gave me too option 's The first one was ask them for a IP number this would locate this missing reversal payment. When I call them ask about this IP number they have no record of it, and then the call goes dead. I have made several calls them and still no progress. More important they want me to repay and then they do an investigation. After the investigation they would refund my money if it was a bank error. At this point I am not making anymore payment. XXXX  XXXX XXXX there is no error on there part. So infract if they reverse the payment they sent my payment to someone else. Id not it to reach this far, I tried to resolve this at the lowest level. And all I get is running in circles. I have the proof of my payment. If The XXXX  XXXX XXXX got it reversed. I would been notified. I will enclosed my proof. My biggest issue is there lack of investigation, what they have corresponded with me does not support their action in this case. I requested for them to contact XXXX  XXXX XXXX they have not Also XXXX  XXXX XXXX has asked for them to provide a tracer number for their return they CANT PROVIDE. So how a Bank of there size till this day cant provide a tracer number because it does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TRANSUNION, XXXX, AND XXXX  ARE FULLY ENGAGED IN XXXX FRAUD AND MISINFORMATION CAMPAIGN AGAINST XXXX XXXX  AND ALL USA MINORITIES. XXXX  XXXX XXXX PURCHASED A CREDIT CARD ACCOUNT FROM XXXX  XXXX. XXXX IS REPORTING THE DATE OF PURCHASE AS THE DATE OPENED. THE ACCOUNT DATE AND STATUS DOES NOT CHANGE WITH PURCHASED ACCOUNTS. THE ACCOUNT WAS REPORTED BY XXXX  XXXX DATE OF FIRST DELINQUENCY AS XX/XX/XXXX. XXXX IS REPORTING THE DATE OPENED AS DATE PURCHASED XXXX, XXXX. XXXX IS ALSO REPORTING A CLOSED ACCOUNT BY MARYLAND STATE LAW OVER 3 YEARS OLD MUST BE REPORTED AS CLOSED BECAUSE THERE IS NO LEGAL OR LAWFUL REMEDY TO RECOOP DISPUTED MONETARY ACCOUNTS. TRANSUNION, XXXX  AND XXXX  ARE KNOWNL PURPOSELY REPORTING FALSE AND MISLEADING INFORMATION TO INJURY MY CREDIT RATING FOR WHICH I WILL SEEK DAMAGES.

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CO

Complaint narrative:
i appliled for a credit card 6 weeks ago to start building up credit never got the card called my bank and they said they never sent out a accpiltion for me to sighn up for one they said it sounds like fraud it apread it was from my bank but it wasnt

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 2020-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" A_ _ _ _ _ a '' is an old debt on my credit file. I requested the three ( 3 ) credit bureaus delete this account from my credit file. XXXX  and XXXX  agreed and deleted the account. 

Experian will not delete this account from my credit file, even though Experian has a Fall Off date of XX/XX/2020. 

I am currently applying for a loan and Time is of the Essence. I need for Experian to Delete this account from my credit file. I see no reason why Experian would not accommodate me and delete this file per my request, especially since this account is to be deleted XX/XX/2020 per Experian 's report. 

Your help will be very much appreciated, as my direct request to Experian has not been successful. 

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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
FRIDAY XX/XX/2020. TRIED TO LINK CHECKING TO XXXX XXXX AND PNC WON'T ALLOW. XXXX SENT ME THIS LINK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
This is a card issued by the Oklahoma Employment Security Commission ( the Way2Go MasterCard ) for pandemic benefits. I tried to make a transfer to my bank account today and was locked out of my account. I have made these transfers in the past. I called the number, was kicked off the hold queue the first time, called back, and was on hold for about an hour. When the person answered, we could not understand each other because they barely understood or spoke English ( I had pressed " 1 '' for English ). They asked for my full Social Security Number, not just the last four digits. When I expressed discomfort with sharing that information, I was informed that they could not help me, so I reluctantly gave it. Then, I was asked for all my other information ( address, date of birth, etc. ) Even after all that, I was informed that they could not help me because of Covid-19. They kept repeating it was because of Covid-19. This was a wholly unsatisfactory resolution, but my larger concern is that this person now has all my personal information and my Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TX

Complaint narrative:
I sent in a dispute letter asking to send me a contract with my signature that they used to verify accounts that have been posted on my account or delete the accounts off of my report that has not been verified, and the company has not complied with my request, I have sent this letter to them 31 days ago and I have not heard anything from the company, they have ignored my request.

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 2020-08-07 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: TX

Complaint narrative:
I sent in a dispute letter asking to send me a contract with my signature that they used to verify accounts that have been posted on my account or delete the accounts off of my report that has not been verified, and the company has not complied with my request, I have sent this letter to them 31 days ago and I have not heard anything from the company, they have ignored my request.

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 2020-08-07 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: TN

Complaint narrative:
I call equifax send them my FTC report due to some accounts and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. XXXX {$590.00} XXXX {$18000.00} XXXX {$11000.00} XXXX XXXX {$79.00} XXXX XXXX XXXX {$290.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX   XXXX {$2100.00} XXXX XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX, EQUIFAX, AND XXXX  ARE FULLY ENGAGED IN XXXX FRAUD AND MISINFORMATION CAMPAIGN AGAINST XXXX XXXX  AND ALL USA MINORITIES. XXXX  XXXX XXXX PURCHASED A CREDIT CARD ACCOUNT FROM XXXX  XXXX. XXXX IS REPORTING THE DATE OF PURCHASE AS THE DATE OPENED. THE ACCOUNT DATE AND STATUS DOES NOT CHANGE WITH PURCHASED ACCOUNTS. THE ACCOUNT WAS REPORTED BY XXXX  XXXX DATE OF FIRST DELINQUENCY AS XX/XX/XXXX. XXXX IS REPORTING THE DATE OPENED AS DATE PURCHASED XXXX, XXXX. XXXX IS ALSO REPORTING A CLOSED ACCOUNT BY MARYLAND STATE LAW OVER 3 YEARS OLD MUST BE REPORTED AS CLOSED BECAUSE THERE IS NO LEGAL OR LAWFUL REMEDY TO RECOOP DISPUTED MONETARY ACCOUNTS. XXXX, EQUIFAX AND XXXX  ARE KNOWNL PURPOSELY REPORTING FALSE AND MISLEADING INFORMATION TO INJURY MY CREDIT RATING FOR WHICH I WILL SEEK DAMAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
After applying for a Chase XXXX XXXX Visa Credit Card advertised with no annual fee for the 1st year plus XXXX XXXX XXXX on XX/XX/2020 at Chase.com, I was surprised to see a annual fee charge for {$49.00} on my Chase XXXX XXXX Visa. The annual fee for {$49.00} was not supposed to be charged for the first year per the Chase pricing and terms. We have been good customers of Chase Bank and have the Chase Freedom and Chase XXXX cards. We spoke to Ms. XXXX XXXX, Personal banker at Chase in XXXX and she said the problem was escalated to the Credit Card Consumer Service Division with Chase per her conversation with that department. We talked with several XXXX Customer Service Reps including XXXX and XXXX XXXX and they did not understand why we were charged the {$49.00} annual fee the first year since it was advertised as {$0.00} annual fee for the first year. We were told the credit card was managed by Chase Bank so the problem couldn't be handled through XXXX. We have enjoyed a good relationship with Chase bank but are very frustrated with this bait and switch advertising for the Chase XXXX XXXX XXXX. If this is happening to us, chances are it is happening to others. See the terms and conditions for the Chase XXXX XXXX Visa at Chase.com and also the promotion at the XXXX App.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 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: NY

Complaint narrative:
On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX  and XXXX. But Equifx has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XX/XX/XXXX to all three agencies. I still have not heard from Equifax. Please demand they start their investigation.

Company response to consumer: Closed with explanation