vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have submitted two times and have waited so long to get credits put back in my credit card account thru Bluebird Amex. The total is {$250.00} dollars. I have submitted all my documentation showing why i should be credited back my money. I keep getting the run around my I believe agents that are not working my case properly and collect all documents to show these are fraudulent merchants. There are 3 different merchants.! from XXXX XXXX dated XX/XX/2020 for {$160.00} and they person who sold it to me also dated XX/XX/2020 Justfly XXXX for {$53.00} which was there fee. I was suppose to fly out to XXXX for a family matter and I was ready to go until I got a message stating that residents from California, Texas, Arizona and etc were not allowed to go into Illinois due to COVID 19 are we were high risk states. I don't know why the airlines and travel agent allowed people to purchase tickets I'm sure they knew before we knew. Now I called and emailed trying to get thru to someone to refund me because I don't feel i should have to p [ ay for something i cant use. I never heard from anyone so i placed a dispute thru my credit card company Bluebird Amex. I have submitted this so many times and they keep dropping the ball. I also placed a order for a pet bed for my dog and that merchant flip flopped on me as well and never sent the bed out and i asked to cancel the order and refund me. They never did. This merchant I ordered for was thru XXXX and i have reported them as a fraud merchant thru XXXX but I also submitted them to bluebird to dispute the transaction showing them I did everything to resolve it myself this merchant goes by the name XXXX ( XXXX ) and that is in the amount of {$36.00} on XX/XX/2020. I have all my documents showing what's transpired and I'm really not getting anywhere with Amex bluebird. I need help. I'm not working and to be out {$250.00} today is not easy especially with merchants who are taking advantage of COVID 19. I need help to resolve this and get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


1. XXXX XXXX acct. # XXXX bal. $ {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. Exeter Finance has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with Exeter Finance with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citi Accelerate Savings account with Citibank. Current balance is slightly over {$200000.00}. On XX/XX/XXXX, I contacted Citi by phone and asked them to close the account and remit the balance to me. I was told that I would not be able to electronically transfer the funds out to a corresponding bank account because the amount exceeded my monthly transfer limits. However, they advised that they could send me the entire balance by check through the mail and that there would be no charge for doing so. I was told to expect the check within 7 - 10 days. When 2 weeks passed and I did not receive the check or any word from Citi, I contacted them by phone again. This time I was told I would receive the check within 3 - 5 days. I still have not received the proceeds of my account. I am convinced that Citi has no intention of closing the account and that they have acted completely unethically here.

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 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. XXXX XXXX has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with XXXX XXXX with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
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 non-monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


1. XXXX XXXX acct. # XXXX bal. $ {$3300.00}

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 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Filed a dispute for incorrect information showing negative and nothing resolved information is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: AZ

Complaint narrative:
In XX/XX/2020 CONNS reported tree late payments ( XXXX, XXXX and XX/XX/2020 ) then my credit score decreased by 27 ponts. On XX/XX/XXXX I got an e-mail statig that the problem was corrected, which was true. On XX/XX/XXXX I got a credit credit issue alert through a XXXX  credit monitoring services about late reporting from one of my creditors, when I checked it, I found that CONNS has re reported late again the previously corrected issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a new account online on XX/XX/2020 and deposited my stimulus check. It cleared and I made 3 XXXX transfers to my fiance account. By XX/XX/XXXX my account was blocked due to either recent activity on account or not providing information requested. When I called I was told they needed 2 forms of identification or account would be closed. Before I could go to branch my account was closed and I was told from customer service that my remaining balance of {$260.00} would be mailed to me within 10 days. That was on XX/XX/2020. Today is XX/XX/2020 and still no check and no news from Chase Bank on status of check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have disputed this account on my credit multiple times, and it I have received no information about it from anyone except verification from the credit bureaus. I thought I had a right to request validation, so I looked online, found a dispute/validation letter and sent it to Jefferson Capital, they have not sent me anything. Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Letters were sent to all 3 credit bureau 's over 30 days ago and we have not received a response yet.

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 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX central states recovery added a collections account to my credit report. Knowing that I had been insured the time of services, I immediately filed a dispute discrediting the false claims. I had spoke with XXXX XXXX XXXX and the original creditor ( XXXX XXXX XXXX ) about the issue multiple times during the year regarding the same issue and i asked them multiple times to properly bill the insurance company. I can recall on time in particular in XX/XX/XXXX when speaking to and agent who assured me that he saw that I had medicaid at the time of service and assured me the matter would be corrected. Unfortunately no one from either company billed the insurance properly and this resulted to the account somehow reappearing but this time as a collections on my credit report. As stated previously, immediately after the collections account was added to my credit report i disputed the item ( XX/XX/XXXX ). I was notified the review was complete on ( XX/XX/XXXX ) stating the account was verified as accurate and i owed money and the drop to my credit report would remain. it is now XX/XX/XXXX and i spoke with an agent from XXXX XXXX XXXX who stated she can verify the fact that i had insurance at the time of service and the account is not in collections and should not be on my credit report. this is not the first time transunion has failed to accurately investigate a dispute. last year this time i had several collections from the same company ( XXXX XXXX XXXX ) in which i had to battle the debt collector and provide all proof they were falsely adding damaging remarks to my credit report. these accounts were much later removed but left my credit report more damaged than ever. false claims by original medical creditors to unwilling to help accurately verify the information has left me battling for myself to correct my credit report. if transunion has an option to dispute an item i believe they should do so and actively investigate rather than relying solely on fraudulent collection agencies who obviously want to get paid whether you actually owe a debt or not.

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 2020-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2020 I left the Meatpacking district in new york in what I thought was a cab at approximately XXXX. I was dropped off at home around XXXX. The next morning I could not find my debit card. I had paid in the cab with my pin and was inebriated so I did not notice the driver not return my debit card The next morning around XXXX I noticed 9 ATM charges in my bank account to roughly XXXX. I went to the nearest bank of America Financial Center after shutting off my card. I worked with the professional there ( " Junior '' ) and left at approximately XXXX XXXX, At XXXX EST I received an email with a receipt to XXXX XXXX # XXXX in my email for {$2900.00}, they had unlocked my card after I had locked it that morning. I then called back and begged them to put a hold on the account ( again ). They had gotten into my account and reset the passcode. I had to create a completely new online account. 

The next morning ( XX/XX/2020 ) I put a hold on the account and transferred my funds and issued a the complain, I received mail from Bank of America that my card had been suspended due to " unusual activity '' of which I was keenly aware. 

Over the next few weeks, I went back and forth with BofA and the Security and Fraud people were sure I would be reimbursed. The BofA finance person had accidentally transferred TOO much money into my account and I returned it as a show of good faith. 

I received a Claim Closed email with ZERO explanation. I have {$4200.00} cents that I have lost through this ordeal. ( XXXX from theft, and XXXX from ATM fees ... ) I have filed a police report, and have called but BofA has no means of reopening the case. 

Please. this was a LOT of money that I had stolen. ( NOTE : the XXXX XXXX receipt automatically sends from that card since that card is tied to my XXXX XXXX account ) If you check with BofA, you can see they sent me an unusual activity account, as well as the close to DOZEN more attempts at using the card after I had reported it stolen. 

Also note, I lose my phone at the same time, hence why I physically went to the financial center. While there I withdrew XXXX dollars, which you will see, using my passport and ID and answering security questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I paid my account in full ( {$650.00} ) on XX/XX/2020 using XXXX XXXX Commenity Capital Bank automated services. This balance included my purchases and interest charged. However they continue to charge me interest on a XXXX balance, they claimed that additional interest was generated after my payment because my due date was XX/XX/XXXX. 
I argued that the automated service gave me the option to pay only my purchases or purchases plus interest and I opted to pay both, which is reflected in the amount above. 

They have continued to charge me monthly interest that have accumulated to over {$100.00} although I have paid my account in full. They have been reporting a delinquent claim on my credit report every month since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i faxed the company two times from XXXX XXXX. on the fax machine i got a busy signal six times. however on my phone, i called the fax number, it was not busy. i then faxed from XXXX XXXX ( XXXX XXXX XXXX ) digital fax. i put in three pages on two cases, sent seperatly. they said they didnt get this either. the person who want the information from equifax is XXXX XXXX, they sent it out on their number XXXX XXXX XXXX too. i called them on XXXX XXXX from XXXX untilXXXX. both times i was on hold for all that time. no one answered and the calls were dropped. i had an id theft previously and equifax was guilty of it. your department helped me, but i knew nothing of a settlement, until it was too late. could this be why my calls are left unanswered. i want equifax written up on this and my discrepency reports resolved. XXXX XXXX of XXXX XXXX helped but no response from equiifax. please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a billing dispute on XX/XX/XXXX in the amount of {$230.00} for an item that was NOT received. Over the past 4 months, I have supplied Citibank with the information they required to satisfy this dispute. On XX/XX/XXXX, nearly 4 weeks from today 's date, I received a letter in the mail from Citibank ( attached ) stating the dispute was finalized in my favor and that conditional credit is now a permanent credit. Sadly, after waiting for an additional 2 weeks, the status of this dispute was NOT closed, as indicated on my account via the mobile app, and I have been charged several months interest ( APR ). During this dispute process, I have called Citibank a dozen times, requesting them to move this process along in a more appropriate manner. The account manager working on this dispute is completely incompetent and the fact that this dispute is still showing as " open '' is proof of this. Most recently, I spoke to a supervisor " XXXX - XXXX '' on Thursday XX/XX/XXXX @ XXXX XXXX MST, who re-assured me he would email the account manager for my open dispute and have them update the mobile app status to " closed '' and waive the interest that was charged as a result. Again, to date, this billing dispute is showing as open and I have fraudulent interest charges on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief