vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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: VA

Complaint narrative:
I have not received any investigation results from the accounts I disputed over 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX car payments were on autopay. After 36 months ( and all timely paid ), there was an unexplained balance of {$54.00}. I complained - and would not pay without knowing why - and they did nothing except notify the credit rating services that I was a late payer. I have never been late in XXXX  years of paying my obligations My efforts at dealing with them have been totally unsuccessful. 

I request your intervention.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX car payments were on autopay. After 36 months ( and all timely paid ), there was an unexplained balance of {$54.00}. I complained - and would not pay without knowing why - and they did nothing except notify the credit rating services that I was a late payer. I have never been late in XXXX  years of paying my obligations My efforts at dealing with them have been totally unsuccessful. 

I request your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Opened Citi Checking account with an offer. I was suppose to make a deposit of $ XXXX from my ally bank. When i tried to add that new account - it's not working. 
Online verification failed even when i am using the right credentials of XXXX XXXX. 
manual also failed - even when using the right routing and account number. 

Chatted with Citi - no help. 
Called citi no help. 

Worse case scenario - my existing Citi 's online access for citi credit cards is also not working. Citi blame customer to clear cache and cookies even when it's server side issue. 

Citi should be broken into more manageable size and shape. It's falling under it's own weight. They outsource all the work for maximum profitability. They should hire locally smart people.

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 2020-12-28 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: NJ

Complaint narrative:
I hate to be revisiting this issue but this a huge problem on your end that needs to be rendered immediately. You are reporting inaccurate information on my credit report. You are reporting late payments from XX/XX/2020 to XX/XX/2020. Not only did you not notify me of the late payment and the delinquency on my report which is required by LAW. You are also reporting inaccurate information which is a violation of 15 USC 1692 d ( 1 ) and a defamation of character. I have been making on time payments and this account needs to be updated to paid on time immediately or further action will have be taken.

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 2020-12-28 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: NJ

Complaint narrative:
I hate to be revisiting this issue but this a huge problem on your end that needs to be rendered immediately. You are reporting inaccurate information on my credit report. You are reporting late payments from XX/XX/2020 to XX/XX/2020. Not only did you not notify me of the late payment and the delinquency on my report which is required by LAW. You are also reporting inaccurate information which is a violation of 15 USC 1692 d ( 1 ) and a defamation of character. I have been making on time payments and this account needs to be updated to paid on time immediately or further action will have be taken.

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 2020-12-28 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: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

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 2020-12-28 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: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), of the FCRA, it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2020-12-28 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts in my profile are not mine. Please help me and remove these wrong unknown accounts as they kill my report. Also this wrong information influencing on my life.

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 2020-12-28 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts in my profile are not mine. Please help me and remove these wrong unknown accounts as they kill my report. Also this wrong information influencing on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reached out to Equifax on XXXX/XXXX/202 regarding my personal credit file. After waiting on hold to reach The office of Consumer Affairs over an hour I got a rep by the name of XXXX from the XXXX who attempted to service my file but was unable to because of a note in the system that says my file can only be handled by the XXXX office. He tried to help for over an hour with zero success due to the notes and the restrictions that are placed by the XXXX XXXX. 

One XX/XX/2020 I reached out to Equifax again regarding a fraud alert. I was placed on hold for over an hour and half before I was able to speak to someone from the XXXX XXXX. Once the rep got on the phone I clearly explained how I need to either add a phone number to my credit file or have the fraud alert removed due to issues it was causing me in obtaining credit. The rep I spoke to her name was XXXX. 

She started the call extremely rude and being very condescending to any thing I said. I asked very simple questions about hold times and is it a better way to reach the XXXX she was rude and very snappy. Then when I asked for assistance to remove a fraud alert she told me I needed to send in drivers license and social Secuirty card. I had explained to her I just mailed my drivers license and social card to Equifax within the last few weeks. She totally ignored that and said she wouldn't help unless I resent it in. Equifax continues to mishandle my file and allow rude unprofessional workers service us customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), of the FCRA, it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), of the FCRA, it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2020-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Debt Collector is : Portfolio Recovery Assoc, XXXX XXXX XXXX, XXXX, Va XXXX. Received notification of debt XX/XX/2020. Sent Debt Validation Letter ( Copy retained with proof of mailing ) XX/XX/2020. No response. Sent removal of negative XXXX information request on XX/XX/2020. No response. Still on credit report. I also suspect debt is past statute of limitations for collections. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC
State: CA

Complaint narrative:
After making arrangements with another company, This collection agency reported this account for the original creditor XXXX away. This account was just reported however, I have no agreement or communications or signed contract with OMEGA RMS. They refuse to provide a statement that validates that they work with XXXX. They also were very rude and did not listen to my request for documentation proof that they work with XXXX XXXX. This company has some concerning practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One made a change to their closing date without giving me a proper notification. 
Changing the closing date from a fixed date each month to a floating date depending on the month. They failed to properly notify me of this change by only included this important notice as a footnote, in small print, at the end of my paperless XXXX statement. 
As a retired person, living on a fixed income, I carefully monitor my charges each month to pay the credit card in full thus avoiding the additional interest rate imposed by Capital One. 
Capital One has the right to make changes to their policy but they need to properly inform the customer as these changes have a direct and material effect on the customer 's finances. 
When I contacted Capital One customer service to ask why they failed to close on the accustomed date I was ridiculed and told the change was made and I need to deal with it. Too bad if I didn't read to the bottom of my statement. 
Capital One has a responsibility to ensure the customer is properly made aware of these changes by sending out a specific email or mailer not attached to the end of a statement that may be overseen but rather to make every effort to ensure the customer has the proper information in order to conduct their expenditures responsibly. 
However, by changing the closing date, without proper notification, I feel I have been TRICKED by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I recently checked my credit score reports and all include an old XXXX XXXX as a problem account that is negatively affecting my rating. 
In XX/XX/XXXX, I left the USA to take a XXXX  job in XXXX. That same month, I apparently owed {$1.00} on my XXXX card, probably a leftover interest charge. Because I had left the country, I did not receive a bill. 
A credit report shows that over the next year plus, XXXX kept piling onto this original {$1.00} penalties and whatnot until, as of XX/XX/XXXX, the amount owed was {$140.00} ; they then closed the account and reported it to the credit bureaus. 
In XX/XX/XXXX, because of the pandemic, I abandoned XXXX. After being marooned for five months in the XXXX, I repatriated to the USA this past XXXX. During my entire time overseas I did not receive any mail from the USA. 
The XXXX report and the damage it's doing to my credit rating seem patently unfair, especially given my circumstances. I tried to contact XXXX using two different phone numbers provided by the credit agencies, but was unable to reach a human being.

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 2020-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This is a XXXX addendum to my complaint against Ally. So to date, Ally has reported to the credit bureaus a voluntary repossession and has noted incorrect lateness on all my credit reports. In addition to that and the most concerning is that I received a letter from Ally that states that I told them I have a lawyer so they will not be submitting any information to me and for me to provide the name of my lawyer so the information can be released to my lawyer and I had a timeline to do so before they would contact me. I just received this letter on Thursday, XX/XX/XXXX. Please see letter attached. So I called Ally and I spoke with someone and advised that I do not have a lawyer and I need the information of the sale sent to me so that I can rectify the remaining balance. He said he would take my information and record it. I am concerned that with all the incorrect information on this sub-prime loan that I will not get a fair shot at paying the balance. Currently on my credit report they have two balances listed which is concerning. 1 for {$880.00} late amount and a 2 a total balance of {$25000.00} for the loan. These are clear, however I am not clear on what these are and Ally representatives are not providing any information.

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 2020-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
While looking at my credit report, I noticed two missed payments on my JPMCB AUTO FINANCE account. Due to suspected coronavirus, I was unable to work between XXXX and XXXX. Financial possibilities did not allow making payments on time. In addition, I paid off this account.

Company response to consumer: Closed with explanation