vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$38.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}

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 2020-07-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$38.00} XXXX XXXXXXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}

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 2020-07-01 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-01 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: TN

Complaint narrative:
I notified the company and the bureau they ignored me and could not verify or show proof that I gave them permission. I did not give permission and I would like to remove it. At the bottom, I will attach the necessary documents.

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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I Was told my debt was paid and I saw a debt remove that wasnt the debt I owe then they fix the error and left me with the debt I already paid instead of taking it off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
In late XXXX, I was in the middle of purchasing a home but COVID-19 delayed that process and the housing industry has been negatively impacted. In order to improve my chances at home ownership, I have been working with both a credit repair agency and all three credit reporting agencies to delete late items off my credit report as my creditors all stated that I have been paying my debts off as agreed and all of my accounts are in good standing. As of today, XXXX and XXXX has deleted the negative/derogatory remarks off my account except for Experian. It is a known fact that Experian makes money off leaving negative items on your credit report and all I am asking for is fairness so that I can fix my old financial situation so that I can buy the home of my dreams. I have been paying off my credit issues for the past 2 years and now I am in a great position to buy a home. My old credit score was a XXXX but due to hard work I was able to get it up to a XXXX as it currently stands. All I am asking for is for Experian to delete the 11 negative accounts that my creditors have all agreed to do. I have attached 4 documentations to show that the accounts are in good standing and that leaving these negative remarks is making it incredible hard to overcome the past 4 years of financial hardship. Thanks for reading my complaint and I look forward to a speed resoluton

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 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SunTx Capital Partners
State: GA

Complaint narrative:
On XX/XX/XXXX an additional payment was processed without my consent and when I called to complain, the company stated they would credit my account {$100.00}. On XX/XX/XXXX when I called to pay off the loan balance in full, I found out that I was only credited {$50.00}. The representative stated that he would credit me the extra {$50.00} to compensate for the {$50.00} that was not, and to date, there is still a balance of {$60.00} on my account, even after paying the stated balance of over {$28000.00}. I keep calling and asking to speak to a supervisor or someone who can rectify the issue and I keep getting transferred to various representatives and no resolution.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Last Friday ( XX/XX/XXXX ), someone used a virus to hack my phone and accessed my bank to attempt to deposit two bad checks while taking some actual money out. This led to Chase deciding to restrict my account. I tried to talk to them, but they insist on punishing me even though I was the victim of a computer hacker. The big problem is my SSI ( government benefit ) came in today ( XXXX ) and my rent is due, but they refuse to release any of my money until paying them {$25.00} for the bad checks the hacker left behind and waiting until Monday. This is unacceptable because my rent is due and these are government benefits and I did nothing wrong. Now I have to shell out extra money I don't have just to get my Social Security benefits! They really have no right to hold my federal entitlement, and this could get me kicked out of my housing because the landlord has been getting strict on everyone in the building and has personally had it out for me for years. I have no idea how I'm going to make it through the next few days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
Went to get car fixed. The total in charges was roughly 4k. Because of covid I could finish the payments withing the three months allotted. They doubled the amount owed to over 8 thousand dollars. The funny thing here is the taxes where on the bill so it should have been part of the loan. Everytime I make a payment they charge me another tax on top of what was included in the bill. Didnt the U.S. get rid of these types of business that are extorting money at an outrages amount. Now I'm being told that they wont work with consumers due to covid and the supervisor XXXX just hung up on me. What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking the to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
I sent multiple credit disputes with these companies asking the to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I received a letter in the mail from Carter - Young, a collection agency, about a debt that I DO NOT owe. I called them to dispute the debt and was told unless I can prove I do not owe this debt, I have to pay the charges. I then wrote them again explaining I DO NOT owe this debt and requested a copy of my drivers license, my signature as proof i ordered this service or anything they have to prove this is actually my debt. I have received none of this proof, only a response that I have to prove it is not mine or pay the bill. I have called the original creditor, XXXX, multiple times, waited on hold, spend a total of 1.5 to 2 hours on each call only to be told they have to investigate this and someone will get back in touch with me. No one ever gets back in touch with me. This has now been reported to my credit bureau file and all attempts to have this debt investigated have fallen on deaf ears. I DO NOT OWE THIS!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I'm trying to get my statements from an closed checking account and I was told I couldn't be helped I need to visit a branch. I informed the agent citi bank is suppose to legally keep my statements on file for 7yrs, I continued to ask for the agent id and She told me, she could give me this information. She then gave me XXXX number which I think is fake. I also asked for a manager she told me a manager wasn't available, I told her this call was being recorded then she then told me to hold on, came back 2 mins later stated the manager was busy and he would give me a call back in 24 to 48 hours. I said i would wait and i waited yet no manager ever came on the line. She was very nasty and rude. This is the reason why I left Citigold. Bad customer services. XXXX was her name. Stated her manager was XXXX, to busy to answer my call.

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 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I spoke with a representative at TD Bank approximately 3 weeks ago in regards to receiving a refund from XXXX XXXX. I was told since the account had been closed that it would have been returned to XXXX XXXX. Remind you this was a refund of multiple payments that totaled {$750.00}. I spoke with XXXX XXXX and they assured me that no payments had been returned. I called TD bank today XXXX/XXXX/2020 and the rep today said on XXXX XXXX 2020 they received a refund of {$750.00} even though my account has been charged off and sent to collections since XXXX/2020. Im not understanding that if my account was closed and charged off why was the refund accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT, COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction. My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect-ability or not! 
To Whom it Concerns, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question : XXXX XXXX XX/XX/2013  The alleged delinquent and or derogatory claim ( s ) of information above listed is deficient the mandatory demonstration of current certifiable compliant reporting of only physically verified factually true, correct, timely, adequately complete, and or ELSEWISE undoubtedly validated claims. Delete today, even right now to return to and or retain ethical and lawful reporting and standards of consumer credit reporting practices. 

Sincerely, 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 2020-07-01 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: IN

Complaint narrative:
My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. First issue I have is my name is not XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX please delete any variations of my name and misspelling the correct spelling is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, IN XXXX. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX  # XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX , XXXX, IN XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. First issue I have is my name is not XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX please delete any variations of my name and misspelling the correct spelling is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, IN XXXX. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX  # XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX , XXXX, IN XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for an XXXX XXXX AAdvantage credit card with Citi at the beginning of the year. I was approved for the card in XXXX and was charged an annual fee of {$450.00}. One of the benefits advertised for the card was access to XXXX XXXX admiral lounges in participating airports. As a result of the Covid-19 pandemic, this benefit has not been offered. 
Citi has not offered any compensation for the loss of this benefit. 
Before paying my annual fee I called Citi who mentioned that they are unable to make any compensation for the annual fee that was due and paid for in XXXX. 
I heard from a colleague this month who also has this card that he called Citi and they refunded his annual fee. I called Citi again on XX/XX/2020 to ask if I could have my fee removed and my card cancelled and they mentioned that the policy they came up with was to remove fees if the card was cancelled within 37 days of paying the fee. This policy was not communicated in any way shape or form. In fact, when I previously called ( well within this time frame ) I was told that there was nothing that could be done for me and the only compensation that would be provided would come if I paid an additional annual fee next year. 
This seems like a clear UDAAP violation, they are treating customers unfairly based upon when they happen to call and cancel their card ( without communicating the policy anywhere ). This is also a deceptive practice as I am not receiving the benefit that I paid for. 
I would like to have my fee removed or reduced THIS year as I have paid for a product / service that I am not receiving.

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