vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: Pioneer Capital Solutions Inc
State: GA

Complaint narrative:
PIONEER CAPITAL SOLU Reported : XXXX XXXX XXXX {$490.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow 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 am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
On XX/XX/2020, I received a written document from XX/XX/XXXX about a debt that, I do not owe and the letter falsely stated that the amount that, The amount that is owed to them is XXXX ( Dollars )., and that a company called XXXX, Is the original creditor. I have never heard of XXXX. This company is in violation of CFPB laws and should be reported to the Federal Trade Commission for failure to inform me on their document about my rights to dispute their false claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: GA

Complaint narrative:
XXXX {$680.00} XXXX XXXX XXXX {$400.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow 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 am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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
Consumer complaint received 2020-05-15 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: MD

Complaint narrative:
EXPERIAN, XXXX  AND XXXX  ALLOW THE COLLECTION ACCOUNT WITH XXXX  XXXX  TO LEAVE INFORMATION BLANK AND INCOMPLETE. EXPERIAN, XXXX  AND XXXX  MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! EXPERIAN XXXX  AND XXXX  PURPOSELY ALLOWS XXXX XXXX TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. EXPERIAN XXXX, AND XXXX ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW. THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!

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 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc.
State: MI

Complaint narrative:
My income taxes have been took in full for the last 4 years and my stimulus check and that mo ey is for my kids it says they con o ly take 50 % from a person with a family but they take 100 % of my check and 60 % of my pay roll I gave XXXX children at home and a wife the person receiving the money is working under the table not paying taxes at her father XXXX  office and she makes over XXXX a year and she still get government assistance because the XXXX  is her father friend and her XXXX XXXX XXXX XXXX is her friend from high school I'm being railroaded and my kids are getting the short end of the stick

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 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, chase closed both of my credit cards Freedom ( XXXX ) {$500.00} and my chase amazon ( XXXX ) {$7100.00} without any warning then I received a sudden email Saying that had too many inquiries. I have a good credit score,  and low debt ratio ... I have a long outstanding relationship with chase pay my bill on time and promptly. I tried my ultimate best to keep my usage under 30 percent and even pay my bill on time and even before it due date. EVEN with the health pandemic ( Coronavirus ) I kept up with my payment and keep my usage low. I just want to have chase to reinstated my account and want to have a long standing Forever relationship with them. I send numerous email to them with no avail .. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a new checking and a new savings account with Citi Bank under this offer code : XXXX Per the offer, Citi Bank was to credit my account with {$400.00} new account bonus once certain requirements ( listed below for reference ) were satisfied. Citi Bank was to credit my account between XX/XX/XXXX - XX/XX/XXXX. It is now XX/XX/XXXX and nothing is credited yet. 

I have contacted Citi Bank customer support numerous times via Chat and Phone. Each time I was told all the requirements have been met and the bonus will be credited soon. There is even an investigation request opened by Citi Bank agent for their back office to look into the issue. The reference number is XXXX XXXX XXXX. Created on XX/XX/XXXX, and I was told 5-7 business days for it to be processed. Nothing till this date. 

Offer detail : Start your Citibank relationship today with the Citibank Account Package and earn {$400.00}. 
Heres How It Works : Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/XXXX - XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
To waive the $ XXXX monthly service fee and {$2.00} Non-Citibank ATM fee, maintain a minimum combined average monthly balance of $ XXXX in eligible linked deposit, retirement and investment accounts.

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 2020-05-15 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: PA

Complaint narrative:
While checking my credit report I noticed several accounts that don't belong to me. I contacted the police created an identity theft report then submitted the information to the credit bureaus. These fraudulent accounts have yet to be removed and blocked from my credit report. The referred accounts is XXXX XXXX XXXX XXXX Its 2 accounts fraudulently being reported on my file by this company. First account # XXXX {$10000.00} the Second account # XXXX {$710.00} Instead of removing these accounts from my report they changed the status to closed accounts. Another fraudulent account being reported is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: WA

Complaint narrative:
To Whom It May Concern : I disputed a tradeline from XXXX  XXXX XXXX with Experian on XX/XX/2020 that came back verified XX/XX/2020 from Experian. On XX/XX/2020 another letter asking was sent for method of verificati

on ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Experian failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Since Experian is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Experian failure to provide method o
f verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Experian.

All supporting documents have been attached

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 2020-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I booked a travel package through XXXX for Travel to XXXX, XXXX between the dates of XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, President Donald Trump issued a travel ban for travel to and from XXXX to be effective on XX/XX/XXXX due to the Coronavirus. On XX/XX/XXXX, I attempted to contact XXXX, XXXX XXXX and the hotel to inform them all that I will be unable to travel on XX/XX/XXXX due to the Coronavirus proclamation order but I was not able to get through the phone line. When I finally got a hold of someone at XXXX ( Travel agency I used for booking ) In the month of XXXX I was informed that since I did not contact the airline company 3 days in advance that I will not be able to get a refund but only a travel voucher. XXXX also informed me that I will not be getting a refund as well from the hotel in XXXX since they were not alerted sooner. I attempted to contact them but was unable to get through and now I am being denied my refund of {$760.00}. After being unsuccessful in contacting XXXX by phone in XXXX to inform them of my travel cancellation due to the Coronavirus travel ban I initiated a credit card dispute through Bank of America. On XX/XX/XXXX I submitted a credit card dispute through Bank of America and I received a temporary credit on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Bank of America stating that my dispute claim will be closed and the temporary credit was reversed and the charge was returned. Bank of America never asked me for any additional documents to dispute my claim and never heard asked from my side. They simply reversed the temporary credit and closed the claim after receiving documentation from the merchant. My claim was never properly reviewed and I was never given an opportunity to respond to the merchant XXXX. Also, merchants have 30 days to respond to an initial claim and afterwards the claim is considered closed. The merchant in this case, XXXX was given 60 days to respond and when they responded on XX/XX/XXXX the case was closed on XX/XX/XXXX. This was unfair from XXXX and Bank of America.

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 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My Mother had an account with American Express and she passed away in XXXX XXXX As executor of the estate I contacted AMEX to inform them of this fact. I was told initially that I did not have to take over the account and was not responsible for it, which I know is the law ; however I inquired as to certain facts if indeed I did take it over. 
There were two areas of concern to me taking over the account. One was the fact that from the financial crisis of XXXX I lost my XXXX  and home as millions of Americans did, and had to declare a personal bankruptcy, including an AMEX account of my own. My second concern was the fact my Mothers credit limit was low. Since XX/XX/XXXXI have rebuilt my credit very high and am making significant income. I asked the agent if this credit limit could be increased and she told me I could ask for that after the account is moved over to me. I travel some with my work and want to use AMEX for travel purposes, and a low limit is not practical for me. I earn a significant 6 digit income annually. 
So I agreed and took over the account. It was approved and transferred to me and I was now responsible for the debt, which I had no problem with. Obviously AMEX wants someone to take it over so they do indeed get paid as my Mother had no assets and AMEX would have had to write this off. 
AMEX approved me to take over the account right while I was on the phone, I asked for the credit line increase and was told NO, you have a previous issue with AMEX and our policy is not to do anything. SO HOW IS IT they approve me for the account, contrary to their policy, so THEY GET PAID, but deny me for a line increase. If I was good enough to go on the hook for the account and I earn multiple hundreds of thousands of dollars a year and a score over 750, what is the issue. Other than bait and switch on AMEX '' s part to get this account PAID. It was unethical, disingenuous and perhaps illegal. 
I have gone round and round with them on this to no avail. I think this bears investigation and action. if I am good enough to assume the debt with my income and score, I should be for line increase also. What is their criteria ( Score and Income ) for line increases? Is that policy consistent with what happened here???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
When i signed this loan I was told my payments would be due on the XXXX of each month, starting XX/XX/XXXX. The company has withdrawn the balance due directly from my account on three occasions, several days BEFORE my payment is due. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Taking money out of my account days in advance of when it is due causes a hardship. 

The company has responded that this is their regular processing and is a matter of timing considering some banks don't release the money right away when a request for a payment is made. 

I want this process of taking money out of my account early to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: GA

Complaint narrative:
My issue is with TransUnion 's continued use of two accounts on my credit file. They are XXXX XXXX XXXX and XXXX XXXX. Both of these accounts were reaffirmed in a bankruptcy I filed in XXXX. The derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. It is important to note that XXXX  does not show these accounts! Further, both of these accounts have been closed for quite some time ( XXXX account was closed on XX/XX/XXXX and XXXX XXXX  was closed on XX/XX/XXXX. ) I was NEVER late on either of these accounts! There should not be anything derogatory on my credit file - whatsoever. 
I contacted TransUnion to advise of the situation, and they said there was nothing that they could do. They said it had to do with the " reaffirmation of debt '' status and THAT IT WOULD NEVER BE REMOVED!! This is so ridiculously unfair and has to be illegal!!! They said that I had to dispute with XXXX and XXXX! WHY when they should be removed from credit file - the companies have already reported 100 % on time payments and closed! 
There should not be any negative/derogatory remarks on my credit for a bankruptcy filed over ten years ago!! I want these removed immediately - as per FCRA guidelines.

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 2020-05-15 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: MD

Complaint narrative:
XXXX, XXXX  AND TRANSUNION ALLOW THE COLLECTION ACCOUNT WITH XXXX XXXX TO LEAVE INFORMATION BLANK AND INCOMPLETE. XXXX, XXXX  AND TRANSUNION MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! XXXX  XXXX  AND TRANSUNION PURPOSELY ALLOWS XXXX XXXX TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. XXXX   TRANSUNION, AND XXXX  ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW.  THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!

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