vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank - I opened an account in XX/XX/2020. I used a new account promotion and deposited {$50000.00} in the account to receive a {$700.00} new account bonus. I met all qualifications for the bonus. The bonus was due to be paid by XX/XX/XXXX. It never showed in my account. I called several times. I was then told my account needed to have the social security number verified. I sent in 2 different tax id forms to Citi Bank. I was told once the id was verified that the bonus would be paid to the account. I was told that on XX/XX/XXXX the account was id verified. As of XX/XX/XXXX I have not received the {$700.00} new account bonus. I have called Citi Bank many times - speaking with supervisors every time. Each person tells me I qualified for the bonus and that the 'back office ' is working on it and that it will be in my account in 2-5 business days ... ..each supervisor tells me they will follow up and call me back. No one has ever called me back. As of today, I called again and was told the same thing by Citi Bank - as of today ... XXXX XXXX there is still no deposit to my account. They lie every time I call them - Citi Bank.

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 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2021, I received unauthorized transactions alerts to my Bank Of America ( BOA ) Business account ending XXXX. Immediately upon verifying the transaction I froze my account and contacted BOA. I was told that there would be an investigation and to give them up to 45 days to resolve. Within hours my claim number XXXX amounting {$1400.00} was denied. At the same time of denial I had been intouch with XXXX since from my bank statements I could see somehow thats how the fraud occurred. XXXX after a short investigation had verified the transactions to be FRAUDULENT and assured me once Bank Of America contacted them ; my funds would be reversed. However after numerous attempts of explaining and even giving documentation to BOA ; I was only insulted in writing and over the phone. One representative went as far as accusing me of purchasing XXXX since that was one of the transactions according to him .On average I deposit as much as XXXX XXXX into my account which is supposed to be insured. However in this case BOA only need to contact XXXX and refuse to do so.Please Help

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 2021-07-07 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: IN

Complaint narrative:
I submitted numerous disputes over the period of more than 180 days concerning inaccurate information on my credit reports. I never received notification from the credit bureaus that my disputes were even looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
We submitted papers for a wire transfer. My husband put his name as the beneficiary when it should have been mine, so my bank charged it back. We immediately fixed the problem and submitted new papers, but now Comenity has locked our account and refuses to release any money. We have called and sent many messages and no one seems to be able to help and they say they have no way to contact anyone higher who may be able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I have tried for several months to get an issue resolved of a {$400.00} charge and a {$250.00} charge since XX/XX/2020 and the credit card company won't issue me a refund because they state it's over the allotted time but I have been in contact with HSBC regarding this matter multiple times and still nothing I am not paying for something I believe I should of never been charged in the 1st place from XXXX XXXX till the problems I was having were fixed properly then they could have charged me for a XXXXXXXX XXXX XXXX on my car. I refuse to pay this amount of money {$650.00} I think HSBC should have to eat this amount with all the running around I have gotten over the last several months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax to remove the consumer statement that I did not write or authorize Equifax to put on my Credit Report. Equifax refused to remove the information immediately and instead forced me to call them multiple times. Each time I called they were not able to verify me. Then when I did get an agent on the phone, I was forced me to provide my private information over an unsecured phone line. Equifax required me to state my full Social Security Number, Full Address and my Full Name. Then after providing this information correctly the agent required me discuss information about four creditors I had on my credit report. After completing this process the agent then without my permission repeated all of my personal information out load over the phone for anyone to hear around her or anyone who may be monitoring my phone from outside my home. Equifax is engaging in abusive behavior and requiring American Citizens to provide private information about themselves over unsecured phone lines in order to correct errors that are on our Consumer Credit Reports. Equifax is creating a security breach by recording the information which could be sold or used to expose my private information. Please require Equifax to verify American Citizens in another way in order to protect our privacy. Equifax has already violated our laws and must not require our Citizens to release our private information over unsecured phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CA

Complaint narrative:
Last year I discovered a false accounts with XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts have denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2021-07-07 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have been seeing promotions on social media ( Chase verified account on XXXX on XXXX ). The promotion is a special sign-up for 6 miles for every {$1.00} of United Airlines purchase, and 5 miles for every {$1.00} travel and gas stations purchase. The sign up deadline is XX/XX/2021. I tried signing up as it was a social media targeted content and even until now I am still seeing it show up. Every time I tried to sign up, it kept saying that I am not eligible - despite the only requirement it lists is that this promotion is good for United/Chase Explorer Card ( which I have and have been using for several years ). So I decided to call the call center ( Chase ) to try to sign up over the phone. The customer representatives told me that I am simply ineligible. There is no remedy, no solution, nothing. When I asked why some accounts are discriminated against ( I saw that some people online also couldn't sign up, yet they also saw the targeted marketing ) - they could not elaborate or disclose anything. When I asked what criteria they use to discriminate who gets the promotion and who does not, they couldn't say anything. Finally, I tried again to ask why I am not eligible despite having the right credit card and also being targeted online for this promotion, they did not have the answer. It seems that the criteria is unclear and this discriminatory practice is shady at best, or perhaps even corrupt as who knows maybe the criteria is based on favoritism? nepotism?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In 2018 XXXX  removed the fraudulent accounts, addresses and names on my credit report and now they are all back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My car loan is with Hyundai Motors. For the past 6 monthsin 2021 I have been over paying by about {$31.00} a month. I have asked them to apply the overage to my principle. After battling with them for over 3 months, they charge me late fees for which I do not owe. They have not applied the over payments to my principal but have credited to the interest, making extra money for themselves. Every week I am on the phone with them and no one seems to know what they are doing. I don't owe late fees but this is what they come up with after I have been over paying. My account now says I owe {$61.00} more than my care note is for no reason. They are trying to rip me off. 
When covid hit, I got an extension and they approved it. Now they are trying to say I was late last year. If I was late, they would never have given me an extension.

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 2021-07-07 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: CA

Complaint narrative:
THIS IS NEW INFORMATION. A NEW " COLLECTION STATUS '' APPEARED ON MY PAYMENT HISTORY FOR XX/XX/2021. THIS IS A COMPLETE ERROR AND IN VIOLATION OF THE FCRA. THERE IS NO BALANCE ON THE ACCOUNT AND THE ACCOUNT HAS BEEN CLOSED FOR MANY YEARS. PLEASE FIND A SCREENSHOT OF THE ACCOUNT I AM REFERENCING TO ATTACHED TO THIS COMPLAINT. EXPERIAN AND XXXX  ARE THE ONLY REMAINING BUREAUS TO BE REPORTING FALSE, INACCURATE, AND DAMAGING INFORMATION ( ALL NEGATIVES ON ALL FEDERAL STUDENT LOAN ACCOUNTS ARE INACCURATE ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have been trying to resolve errors on my report since XX/XX/XXXX. It is now XXXX. There are inaccuracies with the following accounts that per the FCRA should be removed : XXXX is showing derogatory status. The CRA continues to state verified yet has not sent me viable proof of validation. They refuse to remove account even though I've sent proof that the CEO of XXXX can't find the account and that the CRA can't verify since I've frozen my reports with all 3rd parties. I've attached copy of FCRA, Copy of letter from CEO and proof that all 3rd party reports have been frozen. 
XXXX opened XXXX, is showing derogatory status. The CRA continues to state verified but has not sent me copy of original contract or anything else that would be considered proper debt validation. Furthermore, this account was sold and a write off, thereby making me not liable for this account. Also, I've frozen all third party reporting so for CRA to state verified is fraud. 
Get it Now Account opened XX/XX/XXXX shows late payment and status of closed instead of paid as agreed. Since late payments listed fall under Cares Act and this account has been paid in full, it is being reported inaccurately. The CRA refuses to fix errors or delete account despite them being unable to verify or property provide proof of validation. 
Get it Now Account is showing balance despite being paid off and paid in full since XX/XX/XXXX. 
Currently this CRA is in violation of section 623 ( a ) ( b ) regarding these accounts. I've attached copy of the FCRA, Copy of Cares Act, Proof that third party reporting is frozen and Copy of XXXX  CEO email. This CRA is in clear violation of my rights and FCRA.

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 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
On XXXX XXXX I sent my first letter to AmerAssist trying to resolve an issue of an alleged debt. Since than they've committed 37 individual actions that they're now civilly liable for. I have written them multiple letters now with not a single response regarding the debt they owe. It has been more than 30 days and I the consumer have no choice but to assume the debt belongs to AmerAssist since they have yet to respond to the multiple invoices sent. Pursuant to 15 USC 1681n they are civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, On XX/XX/2021 I sent over certified letters to all three credit bureaus Transunion, XXXX  and XXXX  in regards to incorrect information reporting to my credit report. Ive also sent over to them demand of comply letters and the companies have not complied to their own policies in a timely matter.

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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called Express Recovery to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 
Additionally, FTC Advisory Opinion to XXXX XXXX XXXX ) states : " XXXX XXXX ( a ) ( XXXX ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2021-07-07 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: Harris & Harris, Ltd.
State: MI

Complaint narrative:
I am completely disappointed with the fact that Harris & Harris, put this debt from XXXX XXXX XXXX on my credit. In the middle of a global pandemic, when not only I but the world population had been effected by massive layoffs. 
I was not only out of work for nearly a year, but could barely pay any of my bills, less alone a {$5000.00} ER bill from a XXXX XXXX that developed when I didn't have insurance. 

I feel that this unfairly has effected my credit and buying power during a time when not many people on the planet had control over their financial situations. Please have them remove this item from my credit report and give me time to recover from the pandemic by establishing a new job, then getting on some kind of payment plan with the hospital. 

This is wholly unfair and damaging. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation