vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received a letter from COMENITY CAPITAL BANK ( PO Box XXXX, XXXX, OH XXXX ) on XX/XX/XXXX. The letter stated that COMENITY was unable to approve my application for a XXXX XXXX credit card ( from XX/XX/XXXX ). However, I NEVER applied for a credit card or anything of the sort. I contacted COMENITY to report the application as fraudulent and to request that they notify XXXX to remove the hard inquiry from my credit report since it was fraudulent. I have spoken with COMENITY several times, most recently on XX/XX/XXXX. XXXX ( the COMENITY rep with whom I spoke on XX/XX/XXXX ), told me that she sent a notice again to XXXXx to have the inquiry removed. I have checked my most recent report and the inquiry is still there. I can not be paying for COMENITY 's  slackness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I opened 2 credit cards with Navy Federal Credit Union the first one in XXXX I think and the second once like 2 or 3 months ago. 
Credit cards been in good standards, I always use my credit card no more than XXXX XXXX dollars and I pay it back same billing period. 
The first credit card was increased from XXXX to XXXX 2 or 3 months ago and the second one I was approved for XXXX dollars. 
I just discovered 3 days ago that my credit card disappeared from my online banking without reason. 
I called to the bank and I was told that my credit card was restricted due to and investigation that the bank in doing on my account but without reason, they refused to provide a reason, which I dont understand because my account are and always been in perfect status. 

Also I dont agree that they remove the credit account from my online banking for no reason -my account always been in good standards -fraud was not reported or involved in my account -my checking account is in good standard also -I never been notified of anything that the cause the closure of my account -Also I dont understand the propose of taking out those credit card even restricted from my online banking -I dont understand the propose of not telling me what is going on or what caused an investigation in my accounts if those are my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The events of the night of XX/XX/XXXX and morning of XX/XX/XXXX in XXXX XXXX, XXXX. 

At the establishment called XXXX XXXX, we entered and ordered three beers ( one for each of us ). After approximately 10 minutes, we decided to leave and I asked for the bill. After a profound delay to receive the bill, I was afraid of what was happening behind the scenes. Presented with a receipt that was not accurate, I argued with the merchant to provide a correct receipt. The merchant quoted over XXXX XXXX pesos for three drinks. They took my Citibank card once again to force me to sign, taking my ID and making a photocopy, and stealing the receipt so that I could not take it with me as proof. My friends and I had no recourse with multiple bouncers aggressively standing over us, but to sign the bill. I still refused and drew a simple line to show that this was an inaccurate receipt. They grabbed my hand and forced me to sign multiple times. Afraid for our safety, we left the establishment as quickly as possible. I did absolutely everything in my power without being beaten up in a foreign country to stop this transaction from going through. 

Upon returning to the U.S., I filed a fraud claim and multiple dispute claims. Citibank has provided no assistance as I was under duress. I have never initiated a transaction of this size in the history of being a customer of Citibank, especially while abroad. Citibank was asleep at the wheel in monitoring fraud.

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 2020-06-09 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: NY

Complaint narrative:
company is reporting a fraudulent account on my report account was reported twice now its only reported once on credit report this is a fraudulent account that still remains i have been a victim of identity theft and would like this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have contacted my credit card company Chase bank and notified them back in XXXX that I had lost my job due to the coronavirus and am out of work and have not recieved any unemployment yet from the state. The told me they can defer my payment for 3months and now I am getting my statements with interest accrued onto my cards for not paying them?? How can one pay the cards is no income what so ever is comming in due to financial hardship?? This should not be allowed especially since my credit history has been very good and I have always paid on time and also paid more then the minimum required amount. 
I have called XX/XX/2020 and called XX/XX/2020 and XX/XX/2020. I get told they can add interest if not paid even thou despite the fact that I am out of work due to the coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I have been trying to repair my credit for over a year now after falling on hard times. I have monitored my credit daily and trying to research my options for debt relief. I have found that a company collecting a debt for medical bills has hit my credit report more than once for the same debt multiple times. They change their name and then re-report the same debt to my credit report. Every time my credit score drops because it looks as if it is a different debt. IE : In XX/XX/2019 my credit score was XXXX, a law firm by the name of XXXX XXXX XXXX/capio  reported 6 accounts as derogatory which reduced my credit score to XXXX. 7 Months later I had built my score back to XXXX, then the company Capio Partners LLC report the same 6 accounts as derogatory and my credit drops another 80 points for the exact same debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an account from XXXX XXXX that is listed that says I have multiple missed payments for AFTER I returned my lease to XXXX. I returned my lease in XXXX of 2018. Those missed payments are all for after my lease was returned to 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 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is regarding Equifax not investigating the data I have sent them regarding a debt that XXXX XXXX XXXX claims I owe. 

I have opened 4 complaints with equifax regarding a debt that is attempting to be collected by XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating they don't have any documentation regarding the debt, and they will not be reporting this debt to the credit agencies. This was after I combed through medical record to see if I'd ever visited this facility and contacted my medical insurer XXXX to see if anything had been submitted to them. 

I have filed 4 disputes with Equifax providing that letter, my original letter from the collection agency, with the certified mail receipts from each. Equifax has closed each of these advising that I owe this debt. Those dispute numbers and dates are : Dispute # XXXX opened XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX ( After I received letter from collection agency stating they would not report to Credit Agencies and  provided that to Equifax ) Dispute # XXXX opened XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX Each of these disputes were closed stating that Equifax found that the debt was mine. I contacted Equifax via phone this morning asking what data they had been provided to support the debt was mine, and I was advised they have received nothing from the collection agency. 

They did acknowledge they had received the previous letters I'd submitted from the Collection Agency stating they would not be pursuing this matter until they could provide additional documentation. Equifax closed each of these disputes without reviewing the 7 pages of documentation that was submitted with the dispute. 

The response this morning was to open another dispute : Dispute # XXXX I was advised they would investigate again and put a note on the account that I have previously provided documentation and it was on my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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:
My dispute is with capital one I have caught up my payments and still has my account as 3 months ast due not only that they took 65 points off my credit score which was due to no fault of my own I just recently got a job I ho to college and had to finish my semester at home due to covid then had lost my other job that I. Had in summer due to covid Ive borrowed money from my parents to get me caught up I dont think its right they still have on my credit report as 3 months past due and took my points away from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have disputed with all 3 credit bureaus ( XXXX, transunion and XXXX  ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.

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 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had an on-going dispute with Citi since XX/XX/XXXX. In two letters dated XX/XX/XXXX, and XX/XX/XXXX, ( see attached ) the Executive Response Unit has stated that my account received temporary credits and that I  requested a refund check while the investigation was in process. I have had limited access to my account since it was closed, I believe prior to XX/XX/XXXX, and I did not have access to print statements. I had requested statements a couple times and did not receive them. I requested them again on XX/XX/XXXX and told it could take up to 30 days to receive them. To this day I have not received my statements from XXXX XXXX or Citi. 

I was not aware that my account was turned over to collections until XX/XX/XXXX, when I received a call from XXXX XXXX with XXXX, XXXX XXXX XXXX. Mr. XXXX was responsible for getting my XXXX XXXX /Citi monthly statements from XX/XX/XXXX - XX/XX/XXXX. 

After receiving my monthly statements on XX/XX/XXXX, I sent the attached XXXX XXXX XXXX XXXX  letter, which included my XX/XX/XXXX XXXX XXXX/Citi statement as proof that a temporary credit was not applied to my account and that Mr. XXXX XXXX and the XXXX XXXX XXXX  had lied to me and to the Consumer Financial Protection Bureau. I don't believe lying is a trait listed in Citibanks Code of Conduct. 

If you have any questions or require additional documentation, please contact 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 2020-06-09 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: CARS Acquisition, LLC
State: MN

Complaint narrative:
XXXX credit reports i have an outstanding balance of {$770.00}. The company name that shows up is Car Financial SERVICES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Everytime i call i am told there is no record and then i am hung up on. 
Which I did purchase a vehicle at XXXX XXXX in XXXX XXXX XXXX Mn. in XXXX. Paid off by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
There is an account from XXXX XXXX that is listed that says I have multiple missed payments for AFTER I returned my lease to XXXX. I returned my lease in XXXX of 2018. Those missed payments are all for after my lease was returned to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
There is an account from XXXX XXXX that is listed that says I have multiple missed payments for AFTER I returned my lease to XXXX. I returned my lease in XXXX of 2018. Those missed payments are all for after my lease was returned to 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 2020-06-09 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC will not allow me to connect my account to the virtual transaction application XXXX. It works sometimes and not others. This is extremely frustrating and prevents important timely transactions and prevents me from accessing my money in the way I want to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My financial planner and I called Nel net to pay off my student loans via refi my home. We were transferred to a number that said we coud make a payoff. We signed docs and XXXX was taken out of my acct. A few weeks later Fed Student Loans said they got my consolidated amount of loans. They have 0 record of any money put into the payoff. Nelnet said it was a scam. The office will not pick up and XXXX XXXX said I signed paperwork that I never signed. I have the documents and the check. I am now starting from scrath after 8 years of payments and I am out {$5000.00}. and no one has any idea how this happened. I am a mother of XXXX and a XXXX XXXX. This has devastated us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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 have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: IN

Complaint narrative:
The app XXXX says PNC is no longer allowing 3rd party connections to their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
i have disputed with all 3 credit bureaus ( equifax, XXXX  and XXXX  ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
i have disputed with all 3 credit bureaus ( XXXX, XXXX  and experian ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.

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 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting a small collection of {$200.00} that I already had removed when reported by a different agency. It is not valid. And they LOWERD my score 60 pts for this small report!!!!!! that is ALREADY INVALD

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 2020-06-09 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: ID Analytics, Inc.
State: NY

Complaint narrative:
i am a not a credit repair company, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I recently applied for a credit card. The card was denied to me by your bank. Please see the reason ( s ) provided by your company. It appears the reasons are based off actions your company established such as accounts you closed. Closed accounts closed by bank should not be counted as negative. Please be specific as to which portions of my credit report were used and which accounts you used in your consideration if any and what information about the accounts you used. Please open requested credit card account immediately. 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