vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been EXTREMELY frustrated with MACY 'S credit card services. I have paid on time in the past without any issues. But this time my bank account information has changed along with my address, email address and phone number. I had not used MACY 'S credit card for several years now. But when I tried to pay my credit card I was on an HOUR hold with a phone agent and once she got on the phone she said " hello '' and abruptly hung up on my as I was saying hello. I called again but this time asked for a manager only to be abruptly hung up on by the manager after waiting for another hour and a half. I am furious at this point. All I wanted to do was update my accounts and pay off my card and I am waiting on these long hold times and dealing with agents who simply want to hang up on customers simply trying to pay off their card. Since I couldn't log into my account I tried to find another method of updating my online account. Unfortunately the only method to do that is to call and update my account with a phone agent. Well you see how that is going. Needless to say I did try to pay off my card in the stores or so I thought. I wanted to continue using the credit card in the future and I wanted to update my address information at the store so that I can get the bills and pay off my card online. Unfortunately the lady said they couldn't update my address information. So I had thought I paid off my card and had planned on calling in later to update my address information. I guess I was wrong in assuming that. Since I could not get an agent on the phone easily to update my address information I was not getting any alerts to pay my credit card off so I was under the assumption that I had paid my card off at the store. The only way I found out that it wasn't paid off was when I started getting credit alerts about the delinquency reporting by MACY 'S. I reported these incidents to MACY 'S executives and after their investigations they said it was my fault for NOT updating my contact information. That's the problem I have been having this whole time. I couldn't because they ONLY way to do that is to deal with their phone representatives who are difficult to get and keep on the phone. So how exactly am I supposed to update my contact information if they won't give me the method to easily do that?

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 2020-12-22 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:
On XXXX I've sent disputes regarding for those inaccurate and unknown accounts on my credit report. It's over 30 Days today but I didn't received any response. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a solicitation from american express to upgrade my everyday card to a preferred one about a year ago. On XX/XX/20, the annual fee hit my account. I happened to applied for and have my platinum card now, and I was thinking the preferred one is no longer my focus to me. Since the annual fee hit my account, this gave me the understanding that I have kept my preferred card for a full year and seems a good time to downgrade my preferred card to an no annual fee one. 

However I noticed that my account got deducted XXXX points. I reached out online team and called the membership rewards team. They said, I didn't keep the upgraded preferred card for a full year so that deducted this. They said it was suspected there is a violation of the rules? 

I hereby make it clear that I never attempted to game the system. It just happened that I no longer need the preferred card since I already have the platinum card. However, amex still refused to add back my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I received a letter in the mail on XX/XX/2020. The letter was from Caine & Weiner collections agency stating that I owed a debt that XXXX XXXX representative stated that I did not owe, and the debt was paid in full. I disputed the amount owed in the letter within the 30 day time frame, and the still stated that they did not receive the letter, and that they will not remove the debt from my credit report. 

Caine and Weiner stated that they did not receive any written correspondence from me and that they will not send me a detailed accounting verifying that i owed the debt. I sent them a copy of the letter and they still refuse to acknowledge the letter and remove the debt from my credit report. 

I do not owe this debt, i disputed this debt, twice now, and they are refusing to take debt off my credit report and will not send me any documenting proof that i owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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:
On XXXX I've sent disputes regarding for those inaccurate and unknown accounts on my credit report. It's over 30 Days today but I didn't received any response. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.

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 2020-12-22 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:
On XXXX I've sent disputes regarding for those inaccurate and unknown accounts on my credit report. It's over 30 Days today but I didn't received any response. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.

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 2020-12-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2020 submitted dispute to experian On 9 accounts. Was sent certified and delivered XX/XX/20. No results received. It's been more than 30 days. Emailed CEO and requested removal for failure to respond within 30 days and not adding " consumer disputes '' notice. Both violations. He in turns opens a dispute for each of these accounts after I sent the email disputing and asking for removal of these accounts. Yet they still remain. Legal action will be taken for violations.

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 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Its been over 30 days since I have wrote them a letter stating my issue and I have gotten no response. I have contact the companies that have ran inquiries without my consent and Experian. I DID not authorize none of these inquiries. Experian is refusing to investigate the matter. There has been no action take on Experian or these companies that ran unauthorized inquiries since my request. I have unauthorized inquiries and I want to know why.

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 2020-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We open 2 Account at CITI bank, one for me and one for my wife. We were instructed to transfer money into each account by making 2 wires, one for each account, which we did. CITI representative agreed that they placed both wires in one account by mistake, but in order for my wife to also receive the bonus, she must receive money from another source outside of CITI. So we needed to wire the money back XXXX XXXX  and have them wired into my wife 's CITI bank ' again. I spent over 3 hours trying to wire the money back from CITI to XXXX XXXX, but their system would not work. I called CITI and after 5 tries, their help desk asked me if I could go into a branch and she would send instructions for the branch manager to help me. Next day, the branch manager, who was already aware of this called and asked me to go into his office. I did and he did all the work for me and called it a success. Then the next day I called XXXX XXXX and they had not received he wire. I called CITI bank Wire department, and was told that all that needs to be done is for them to verify me and and sent the money. He did the verification and told that the money should be in my XXXX XXXX in on hour. One hour later, two hour later 3 hours later I called and the money still was not in my XXXX account. I called CITI bank 's wire department again a different person answered and spent the next 45 minutes talking with this rep. who was unable to send the wire. I asked to speak to hid manger. After a few minutes his manager comes on the phone. I asked for his name or his I.D number first, which he refused to provide. He told me that our account is too new and that they will not do the transfer. He said that they won't even send the wire back to were it originated from.

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 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC
State: IA

Complaint narrative:
This is a record of my transactions with Cascade receivables managment LLC. 
In XXXX of XXXX I received a letter from Cascade claiming I owed a debt to them for a medical procedure I had back in XXXX. I contacted them by phone and spoke with them. I explained that I was sure I had paid the balance down to nothing. I then looked through old receipts until I found a screen shot that showed the account no in question had been paid in full. The screen shot is from almost a year after I had the medical service which corresponds to the fact that I had been making payments on that account until I had paid it off. I provided a copy of this to them in an email sent to one of the managers that works for Cascade.The email was dated XXXX XXXX. They never provided any response. On XXXX XXXX they called and acted as if I had not been in touch with them. They were attempting to collect the debt all over again and asked for payment. Cascade has not been able to provide any official record of the debt, and are asking for payment on an account that I can prove has a XXXX  balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: VA

Complaint narrative:
Vance & Huffman has violated my rights as a federally protected consumer under 15 USC 1692. Please review attached documentation. Additionally, Vance & Huffman accused me of making false allegations and blatantly dismissed my concerns as well rudely stating that I can proceed as I see fit. Vance and Huffman stated in their response that their compliance department reviewed the call. However, I never gave permission to be recorded, as well as they have yet to produce and said findings of call. They removed the account from my credit reports and within the same 24hrs placed it back on to my credit reports. Which now reflects even more negatively as a new collection account. Thus, decreasing my scores even further. Vance and Huffman are blatantly ruining consumers credit by using ethical practices and preying on consumers ignorance. I sent Vance & Huffman a Default and Opportunity to Cure via certified mail. I received the return receipt as well acknowledging receipt. Attached please find the initial Affidavit of Truth dated XX/XX/2020 and Default and Opportunity to Cure dated XXXX XXXX, 2020. Vance and Huffman has not responded to date XXXX20. Thus, going past the required legal timeframe allowed for responding. I will now proceed filling with the XXXX and XXXX Courts in order to receive assistance with resolving said concerns. It is unfortunate that Vance and Huffman continue to violate consumer rights and behave as if there are no consequences for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XXXX XXXX wallet was stolen around XX/XX/XXXX. XXXX XXXX is haveing problems getting another card. I do not have any ID and do not have any money. The PNC Bank checking account gets my XXXX XXXX XXXX XXXX and my Social Security Disability direct deposited every first of the mounth. There are some that do not want me to have any money. Also there are some that want to inherit. There is alot of money that come in my name and profile. There also is website account they call it, that is from law suites. I have never got any of checks or anything from the website account. Call XXXX XXXX about the situation. Phone number is XXXX. Address is XXXX XXXX XXXX XXXX. XXXX XXXX Ga. XXXX. Birthdate is XX/XX/XXXX. Thank You. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: MD

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX was charged with Predatory lending in a MultiState Lawsuit. In the lawsuit they were required to compensate consumers and loan holders with the following, but not least : 1. XXXX to remove auto loan entirely from credit reports and credit bureau, per the settlement 2. XXXX to forgive loans entirely, per the settlement 3. XXXX to give consumers clear auto title, per the settlement 4. Other specific requirement in the lawsuit Maryland Attorney General Office communicated with me and sent my information to XXXX XXXX ( Consultant handling the XXXX Settlement ) to be added to the settlement. When I call XXXX XXXX they claim that they do not have any information concerning me being on the Settlement and that I should contact XXXX. When I call XXXX, they state that I am not eligible for the settlement because I still have a balance. 

I did not see anywhere on the settlement lawsuit that consumers with balances are not eligible. It appears that XXXX is not abiding by the lawsuit. And they keep sending me to AGs office and XXXX XXXX and back and forth, with no answers. 

However, XXXX has removed the loan entirely ONLY on XXXX, but XXXX  and Experian, they have closed my account, but still show a balance. This is not correct according to the settlement.

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 2020-12-22 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: NC

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-22 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: NC

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was trying to open an checking account and I was not authorized so I wanted to get this situated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have never been late on my mortgage payments. Loan number XXXX However, three months ago, l notice a huge increase in my mortgage bill. 
I called them and was told they made an error in my escrow account. l explained that they paid for the insurance bill which l had personally paid for as well. 
I had sent the cheque which was refunded back to me by the insurance company to Bank of America, instead of applying it to my escrow account, l was informed it was applied to my mortgage. They apologized and promised to make amends. 
Presently, the account shows that l was delinquent for both XXXX and XXXX payments. Upon my investigating further, l learned that the account was put in delinquent and reported to the three credit bureaus. Now l received a tax sales letter from the city of XXXX. Several collections calls and a 40+ points decline on my credit score. 
This is detrimental to my job security, as a good credit review is part of my job requirement. 
Please help Thanks XXXX XXXX XXXX

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