vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 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: NC

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ).

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, NC XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I asked the company what was their method of verification on an inaccuracy that I found on my report. The company stated that they verified the information from the US Court. This is a lie because I have written proof that the bureaus never verified with the US Court. This is a violation of my consumer rights and I am requesting it be removed along with any accounts associated with this inaccuracy.

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 2021-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One closed my accout on XXXX and wrote off {$1800.00}. It went to XXXX XXXX XXXX and XXXX XXXX I paid this account. They again reached out to all three credit companys on XXXX and XX/XX/XXXX to notify this has been paid. I deputed it with XXXX and even mailed in the letter and information it is still showing on my credit report as owing {$1800.00} I would like to get this removed I already paid it???? 
Can you please look into this. Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
XXXX XXXX, a health club in XXXX New Jersey went out of business during the pandemic. They closed the gym for a period of time so I canceled my membership. And stopped the reoccurring payment on my credit card. 
XXXX XXXX, another fitness club moved into their space once XXXX XXXXXXXX was shut down. 
XXXX XXXX  now claims that I owe them for membership dues of {$140.00} I have no business or contracts with XXXX XXXX. Im not going to nor have I gone to a gym because of the coronavirus event. My credit card was reoccurring payment was canceled when XXXX XXXX  went out of business. XXXX XXXX  continues to try to collect this debt which I do not owe to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Wallet card per the company should be linked to online wallet i.e. XXXXXXXX XXXX. The company has not been able to fix the issue for almost a year. In store representatives do not understand why they can not resolve the issue. 

I am also not able to link XXXX  to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi, I have a chase sapphire visa credit card with There customer service number being XXXX i have Been a loyal customer for over 15 years alway sent them a check for payment on time with no issue. I sent them a check on XX/XX/21 for the full amount owed when the due date is XX/XX/21. Due to the postal office delays and covid 19 issue going on the posts office must not have received delivered the check on time.. The credit card company a few days later suspended my account with NO notification what so ever or making me aware during these times payment was not received or late, they just suspended my account. Two weeks later they sent an e-mail letting me know the issue. If not already this should be a violation of the card holders rights with suspended account with NO notification especially only a few days after due date, I would like my account made active again any fees waived and an apology for an unfair practice which harms there customers and there lack of consideration with no notification or outreach. They did not even give me any other options to work with them to correct under the state of post office delays and covid 19.. I would also like the federal regulators look at this credit card unfair consumer practice of suspending credit cards with no account holder notification Please advise Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rent Recovery Solutions
State: UT

Complaint narrative:
I signed up with a debt management plan XXXX. For nearly three months this plan has forwarded checks over to Rent Recovery to pay this debt. Rent Recovery has received and cashed these payments. XXXX called to try to see if they will continue receiving payments and become apart of the plan, they could not get ahold of anyone and were transfered to voice-mail. I called to see what was going on and they say they have not received any payments on my account. I have made payments and they transferred me to a voice-mail as well. It has been months of being transfered to a voice-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Trident Asset Management, L.L.C.
State: LA

Complaint narrative:
I've reached out to XXXX XXXX, XXXX and TRIDENT ASSET MANANAGEMENT XXXX XXXX2020 seeking providing details of such adequate services and address this issue yet they still haven't provided such information. I have been involved in a data breach and due to that I have placed a security freeze and also have setup an identity theft alert. I need assistance with this matter because this falsely reporting have impacted me financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Westlake Services, LLC
State: MD

Complaint narrative:
This account was paid off in XX/XX/2017 in full and its reporting charged off on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have filed a complaint to XXXX  and the file # is XXXX. 

Dear Sir, COMPLAINT AGAIST CITICARD I am an XXXX year old man, XXXX. On XX/XX/2020, I came to XXXX for vacation. Because of Corvid, I am stuck in XXXX. 

In XXXX, I received a call from Citi card that some body had used my card and they are cancelling it. I requested them to send the new card in my XXXX address and made the lady to read y XXXX address to ensure that she has my correct address. That card never reached me. 

In the old card I did not owe them any thing. In the new card, which I did not receive, they have been charging me finance charges every month. On XX/XX/XXXX, I talked to a lady named XXXX and she waived the finance charge of {$52.00} which I did not owe them. Their Confirmation number is XXXX. 

Even though the finance charge was waived, they kept on adding finance charge over finance charge. It is over {$100.00}. Three times the customer service told me that their supervisors will call me regarding my complaint. They never did. 

THE CITICARD COMPLAINED TO XXXX AND THEY REDUCED MY SCORE FROM LOW XXXX TO MID XXXX. I REQUEST YOU TO DEMAND THEM TO PUT BACK MY CORRECT CREIT SCORE. 

The City card personnel treatment of my wife and me was nasty, cruel and unkind. As soon as I am back in XXXX I will cancel my account and will never deal with them. 
I request you to order Citi card not to charge me anything and warn them not to treat other customers, like they treated us. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: GA

Complaint narrative:
My most recent contact with these companies was on XX/XX/XXXX when I sent in letters regarding inaccurate and unknown information on my credit reports. I began sending letters to them in XX/XX/XXXX and it's been 82 days to date with no resolution from either company. Again, I feel like my disputes are being ignored with them especially since XXXX was able to remove the exact same accounts from my consumer report. Based on FDCPA, 15 USC 1692e Section 807 ( 2 ) " The false representation of ( A ) the character, amount, or legal status of any debt. '' I demand that these accounts be promptly deleted cause I am prepared to file for litigation due to the continuous stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : Transunion Credit File 1. XXXX XXXX XXXX XXXX Transunion and XXXX Credit Files 2. XXXXXXXX XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX XXXX 4. US DEPT OF EDUCATION XXXX  Credit File 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please remove these items from my credit report. They are displaying inaccurate and misleading information about me!

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 2021-02-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: PR

Complaint narrative:
Store : Best Buy Order Number : XXXX XX/XX/XXXX : Make the purchase of a cooktop, with delivery and installation. 
XX/XX/XXXX : Date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : I call to appliances department for make a claim, because I need the money back in the Best Buy, credit card. The company fails several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I have XXXX XXXX and I received an alert today that an online account of " MoneyLion '' which I do not know this company nor did I open account showing on XX/XX/2021. 

According to XXXX XXXX this " MoneyLion '' is an " off-shore '' account within the United States? Again, I did not open nor did any online business with this " MoneyLion '' at all. 

This is fraud and according to XXXX XXXX the Result was " Passed ''. 

I am therefore lodging a conplaint against MoneyLion that I never contacted them for anything, nor did I attempt to open any kind of account with them and my information has obviously been fraudently used by MoneyLion. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
XXXX XXXXXXXX, A health club in XXXX, New Jersey went out of business during the pandemic. 
I was a member. When they went out of business I canceled my membership and canceled my reoccurring payment with my credit card company. 
After they were out of business, XXXX XXXX, another health club took over the facility. I have been contacted by a law firm representing them in order to collect what they say is a debt of {$140.00} I have no business or contract with XXXX XXXX. I have not been to a gym nor do I intend to go to a gym because of the pandemic. 
XXXX XXXX  continues to try to collect this debt which I do not owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Asked for extended frauds alerts to be removed and credit bereaus never removed them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: DISCOVER BANK
State: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

These inaccurate reported accounts are causing my family and my growing business emotional distress. These missed payments have been inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I have been contacted my comenity XXXX XXXX for my credit card being due over 10-15 Times this week since Monday. I told them to quit calling, and they still proceed to call and change phone number, they call me from 2-3 different numbers a day ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 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: Optimum Outcomes, Inc.
State: LA

Complaint narrative:
I've reached out to OPTIMUM OUTCOMES, IN and XXXX XXXX XXXX XXXX XXXX seeking providing details of such adequate services and address this issue yet they still haven't provided such information. I have been involved in a data breach and due to that I have placed a security freeze and also have setup an identity theft alert. I need assistance with this matter because this falsely reporting have impacted me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: VA

Complaint narrative:
Asked for extended frauds alerts to be removed and credit bereaus never removed them

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 2021-02-06 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: VA

Complaint narrative:
Asked for extended frauds alerts to be removed and credit bereaus never removed them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 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: NJ

Complaint narrative:
This dispute with Citi XXXX XXXX is related to purchases from XX/XX/XXXX. During this time, Citi XXXX XXXX has failed to handle the dispute properly, failed to suspend pending payments during the period, and has been unable to properly handle the issue. 

Several items were purchased from a vendor, XXXX XXXX. Those items were returned but full credit was not received. A credit of {$600.00} is currently owed. 

Previously provided to Citi XXXX XXXX in a letter to Citi XXXX XXXX dated XX/XX/XXXX. 
Evidence of XXXX XXXX orders ( XXXX, XXXX, and XXXX ). 
Return tracking XXXX # XXXX ) with evidence of return on XX/XX/XXXX. 

I have had many calls with Citi. Most recent calls were : XX/XX/XXXX XXXX - Citi has closed the dispute but my concerns were noted. 
XX/XX/XXXX XXXX - Added notes to the case while it was being worked on by another agent. I asked for my last payment to be refunded, as I was receiving bills from Citi even though there was an active dispute. This was not done. 
XX/XX/XXXX XXXX - Hung up on me while waiting for transfer. 
XX/XX/XXXX XXXX Indicated she understood the issue, it would be escalated, and I would receive a call a next day. The call was never received. 
XX/XX/XXXX XXXX I was advised that the case needed to be reopened because it wasnt handled properly by Citi. Dispute was being reopened and I should call back in a few weeks. 
XX/XX/XXXX XXXX I was advised that the case needed to be reopened because the reviewer didnt fully review the documentation. 

Citi XXXX services verbally indicated that mistakes were on their end and this would be corrected. This has not happened.

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 2021-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have been getting my unemployment deposited in my chime account since XXXX My unemployment back pay was deposited XX/XX/2020 in my chime account and chime put a hold on my account now I cant access it I have sent over all the information that they requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: DE

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX ACCOUNT NUMBER XXXX 2. XXXX XXXX : ACCOUNT NUMBER XXXX 3. XXXX XXXX XXXX Original creditor : XXXX XXXX : XXXX 4. XXXX XXXX XXXX Original creditor : XXXX XXXX : ACCOUNT NUMBER XXXX 5. XXXX XXXX XXXX : ACCOUNT NUMBER XXXX 6. XXXX XXXX Original creditor : XXXX XXXX : ACCOUNT NUMBER XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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