vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I went online to unfreeze my credit report temporarily. 

1 ) Their website misdirects you to purchase their product to unfreeze. You have to find the unfreeze website through a separate search. 

2 ) After finding the hidden website, I filled out all the information correctly and supplied the pin they provided me. 

3 ) The website failed twice on its own, then on the third time, they locked my account saying my pin was incorrect. 

4 ) I called their number and provided the PIN ( which they now said was correct ). They said they unlocked my request. However, immediately after saying my freeze has been removed, I was told to send information in. 

5 ) I am at an unclear state of my credit report. Is it frozen? Is it temporarily lifted? I am unable to go back to their website to request what information needs to be sent or to check the status of my freeze.

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 2020-10-04 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America charged our credit card with unauthorized and unknown amounts. They were notified and issued a new card and a credit in XXXX for XXXX. They then reapplied the charges in XXXX with no information and billed another XXXX transaction. They now call 4 times a day to the corporate office

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 2020-10-04 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: NY

Complaint narrative:
On XX/XX/2020 I sent a certified letter to XXXX XXXX requesting XXXX XXXX provide me with name of company or persons information that they verified with to determined the validity of there investigation. FCRA 15 U.S. Code 1681g - Disclosures to consumers. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. XXXX XXXX are in violation under this section. This inaccurate information needs to be removed immediately.

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 2020-10-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance and payment history can not be validated. Note lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: NY

Complaint narrative:
Experian has not followed FCRA 15 U.S. Code 1681g -  Disclosures to consumers. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. XXXX XXXX are in violation under this section. This inaccurate information needs to be removed immediately.

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 2020-10-04 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Hi, This company Portfolio Recovery continues to report to all 3 credit bureaus that I owe a debt that does not belong to me.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They continue to send me letters stating that they verified these debts as being accurate and that again is not correct. I have asked Portfolio Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they continue to send me letters stating they received electronic files from the company 's of these debts that they have bought. again they have sent me a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Again Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with Portfolio Recovery 1. ) {$1800.00}, shows opened on XX/XX/XXXX, 2. ) {$2100.00} opened on XX/XX/XXXX. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX County that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately. I have sent this information before, the FTC did not show all three of these accounts on the documents that were sent prior, I have went back and had them send me a updated file so that this company can see all of the accounts that are fraudulent with your company, you have agreed to remove one, but these 2 still remain. Again you claim you verified all this information is me and that is my SSN that was provided when an account was opened, this information is fraudulent, I am working with Law enforcement, and the Federal Trade commission to clear these things which show under my name because I am a Identity theft victim and I want these items removed immediately. Attached your will find my Federal Trade Commission report # XXXX and again my case number filed with the Police Department under Identity Theft is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This is a second complaint on another issue with the same account. In the first complaint I had expressed that I was being over charged interest which is true but nothing was done by either the attorneys office or the collections company there is a second complaint that I would like to present is on XX/XX/2010 a civil judgement was granted for a credit card in the amount of XXXX who was owned by XXXX  XXXX XXXX and this judgement was a default judgement because I did not go to court to defend myself I have went to the XXXX district court in XXXX XXXX Michigan and there I had ordered and paid for a copy of the file on the debt in question after going through each and every page of what was filed with the court back in XX/XX/2010 there is no loan documents showing that I owe this debt so the court turns a blind eye and stamps a judgement with out proper documentation I call resurgent and have asked for a print out of what they believe I owe and am yet to recieve any documentation on this debt, the attorney 's office who is now handling the account says that it takes complaints very serously so do they have any documentation on this account I am asking for proof that I owe this account and that proof is not a default judgement that I am asking for I would like proper documentation that I owe this account I have attached the proof that was submitted to the court in order to get this judgement, a bill of sale from XXXX  XXXX XXXX with no account number or amount on it, a statement of account which is a blank piece of paper with numbers created by someone I'm not sure who, an Affidavit saying I owe this account by someone I don't even know from an attorneys office XXXX XXXX XXXX XXXX XXXX which is now being handled by XXXX XXXX XXXX. Now my complaint is very serious I have a collection company and an attorneys office with a garnishment on my wages my tax return from the state of Michigan was garnished by Resurgent I am asking for proof that this money is owed and that's why I am bringing this in front of the Consumer Financial protections Beauru these company 's need to be exposed for not following the law and providing the courts proper documentation of the debt these collection companies prey on people who don't show up to the courtroom for various reasons and get a judgement from a court who turns blind eye to not having the proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I opened a new checking account with Bank of America. I had earlier received a targeted mailing offering a {$300.00} new account bonus. The sole requirement for receiving this bonus was to set up and receive qualifying direct deposits of {$4000.00} or more in the new account within 90 days of account opening. I received direct deposits on XX/XX/2020 and XX/XX/2020 whose total exceeded {$4000.00}. The offer stated that the bonus would be deposited within 60 days of completing the requirement. Hence, I should have received the bonus by XX/XX/2020, but I never did. 

I have reached out to BoA multiple times since that date but the bonus remains unpaid. My best understanding from these conversations is that BoA 's system failed to recognize the incoming transfers as " qualifying direct deposits ''. To be clear, the deposits represent my regular income, namely the XXXX money I receive from XXXX  XXXX & XXXX XXXX  ( disbursed by XXXX XXXX as a direct deposit ) in support of my position as a graduate student, and are therefore " qualifying direct deposits '' as the offer defines them. I have indicated the source of the deposits to BoA multiple times. 

It is understandable, with many employers and payroll processors in use, that BoA 's system might sometimes misidentify direct deposits. However, given the long time elapsed since the bonus was due, even after I brought the error to their attention, I believe that BoA is unwilling to resolve the error in good faith, and that is why I am making this complaint.

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 2020-10-04 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: U.S. BANCORP
State: WI

Complaint narrative:
I have a Fidelity Rewards Visa Signature credit card as described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card. As it states clearly, quote as below : " Every eligible net {$1.00} spent equals XXXX Reward Points. 
No limits on total Reward Points and no restrictive categories Reward Points will not expire ''. I never heard of anywhere or was told that the reward points would expire. So I never thought of checking my rewards status, until recently I came across my rewards activity and realized that over the past year a total of XXXX points of mine expired in 3 times. I contacted the card customer service and they told me unused points would expire after 5 years ( which was completely opposite to the introduction on their own website ), and they could not reinstate my expired points.

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 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
On XX/XX/2020 I applied for a car loan with XXXX XXXX I was denied, XXXX XXXX said that they verified information with Lexis Nexis and XXXX. Both companies clearly has no information on me to make this inaccurate claims. I would like to know where, who, and how does XXXX, XXXX XXXX, XXXX  verify there information if LEXIS NEXIS has no record that pretends to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: GA

Complaint narrative:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not 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 explanation
Consumer complaint received 2020-10-04 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I entered into a contract between XXXX XXXX XXXX for {$4500.00}. The " custom '' closet was intended to be installed and completed on XX/XX/2020 -- it was not. I charged two charges for the amounts of {$450.00} and {$1800.00} on the Citi Shop Your Way Credit Card ending in XXXXThis amount was later disputed with Citi because the advertised services and products were not rendered per the contract. Citi initially applied a provisional credit on the account. Days after, XXXX XXXX XXXX charged {$2200.00} of which I did not authorize, nor is it a charge that both parties have entered an agreement on per the contract. I contacted Citi, a representative from the Fraud Department disputed the charge as fraud. On XX/XX/2020, I received response from Citi outlining that I has signed as if I was satisfied with the products and services, of which is not true. I asked Citi to review the documents while I was on the phone and maybe we can rectify any confusion, the representative was able to confirm with me that yes, I did not sign that I was satisfied with the products or services as the letter stated. I emailed a rebuttal to Citi and contacted them by phone illustrating the inconsistencies with their and the merchants assertion with documentary evidence on XX/XX/2020. During the weekend of XX/XX/2020, Citi moved the fraud charge to the account causing it to overdraft and applying a charge that I never authorized nor did I agree on with the merchant. A representative from Team 13 in Idaho said that the charge was not fraud. I conveyed to them that a report to the CFBP will be initiated.

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY JPMCB CHASE CARD # XXXX. The dates were XXXX, XXXX XXXX, XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of a business transactions and this late mark is preventing me from REFINANCING my home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently fully current yet the late marks are killing my credit score I could use some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: GA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not 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 explanation
Consumer complaint received 2020-10-04 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: GA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Dispute Number : XXXX Date Posted : XX/XX/2020 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Dispute Declined We have closed your dispute Dispute Number : XXXX Date Posted : XX/XX/2020 Merchant Name : XXXX XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Dispute Declined Sincerely, XXXX XXXX Wells Fargo Claims Assistance Center XXXX Well Fargo XXXX XXXX credit card ) Yes I got this letter from XXXX saying that I never upload any paper work or document to help supporting documents? but there was never anything mention as to how I can, so i find that to bugging..Also, I have been working 2 jobs just to help out my family since most of them are laid off and i don't want to provide too much information about my personal family, just realized when you guys call me monday through saturday i'm mostly working and i won't have a phone with me due to 2 jobs unless you guys want to pay me ... .i 'm only off on sunday ... i'm already stress out and i'm sure you guys know the world is in danger. I never accepted or gotten anything from XXXX so i'm not sure what is going on ... i'm gon na upload the document here and file my complaint since things seem unfair, i can't even get in contact with XXXX and i don't know what they claim with me accepting any items from them that i never gotten!

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