vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is a Delta SkyMiles Platinum American Express card. Although I can not fly nor are there even future flights available ( the schedule is reduced, and I understand why of course ) they still billed me the full annual fee in XXXX. {$450.00} I only own this card for the benefits while flying + the miles earned.

I suggested two solutions. 1. I would split the membership fee with them. 2. Defer the billing of the annual fee until the flying situation was clarified - I could travel leisurely or for business as a non essential worker. 

Their response triggered this complaint. It was not because they were rude or did not communicate pleasantly, both of which are true. It is because they repeatedly transferred me to other areas to SELL me either additional cards or travel services. They took my inquiry as an opportunity to try and get more money out of me. Not acceptable. 

Since I have paid the fee in full, but am a most dissatisfied customer. I believe it is AmEx that is guilty rather than Delta.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2020 Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided 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.

The law is very clear as to the Civil liability and the  remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account : XXXX XXXX Account Number : XXXX Provide Physical Verification : Unverified Account/Information about the account is reported incorrectly/Balance Incorrect * Please remove all non-account holding inquiries over 30 old Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: NY

Complaint narrative:
In short, I went to a auto tint shop to have my XXXX  XXXX XXXX XXXX tinted. I wanted the car tinted specifically with one piece of film in the rear glass. The shop did it in two pieces without my consent. Also the two rear door glass was not aligned with the glass. 

Citi bank ruled in the merchants favor. Im confused how they got to that ruling with the given circumstance. The service was not done correctly. When I reached out to the merchant, the merchant threatened to rip it out of my car therefore I am scared to return with my car. Please help. 

Please refer to attachment for the full story and also included pictures for proof.

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 2020-05-09 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: FL

Complaint narrative:
I have a XXXX  XXXX credit card. I was never late on it.I sent Equifax my credit card bank statements to show them that I was never late on it and they still dont want to remove the late payments on the account. They told me to contact XXXX  XXXX and I contacted XXXX XXXX on XX/XX/XXXX they told me they will send a letter to Equifax to remove the late payments on my account and after 30 days the late payments should be removed. I called Equifax last week they said the late payments will stay on my credit file for 7 years.Thats my 12th times disputing those late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
5/3 BANK NA closed my credit card without any good reasons. I tried to find it from them, it's a very long wait time. Even after 1 hr 15 minutes also no success talking to the customer service.

This brings down the credit score. 5/3 BANK should understand that opening and closing the credit card impacts the credit score adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: TN

Complaint narrative:
Remove the items listed on my FTC reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: TN

Complaint narrative:
Remove the items listed on my FTC reports

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 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX I sent this company a certified letter requesting validation of debt paperwork. I received no paperwork validating the debt Allstate Credit Bureau , Inc. is reporting to all 3 major credit bureaus. On XX/XX/XXXX I sent a certified letter no response. On XX/XX/XXXX I sent a certified notarized letter with a signature recipient card attached. I received the card back from the post office showing Allstate Credit Bureau received the letter. However, I still didnt receive validation of debt documentation. I filed a complaint with CFPB on XX/XX/XXXX & XX/XX/XXXX however I still received no documentation. In addition, I filed a dispute with XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The Furnisher has an obligation to ensure accuracy of information and to correct all errors. However, The Furnisher for  Allstate Credit Bureau is continuously breaking the laws of the FRCA and violating my rights. Lastly, I filed a complaint with the FTC on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Wells Fargo reported my home loan in forbearance under the CARES act to credit bureaus.

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 2020-05-09 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: IL

Complaint narrative:
Hello, XXXX has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.

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 2020-05-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, XXXX has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Victim of identity theft information was stolen in a breach mainly XXXX. And others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
I received a copy of my credit report from all 3 bureaus ; XXXX, XXXX, & XXXX. I noticed that there was a collection account listed from Calvary Portfolio Services. I immediately sent them a debt validation letter. I received a letter back stating they received my request but my request didnt have specific facts for them to investigate. In return, I sent them a letter stating since they can not verify this debt, then by all means they have to delete it. They were trying to use a stall tactic. The day I sent out my 2nd letter, I received another letter from them stating they verified this debt and that it is in fact mine with an attached monthly billing statement from 2018. This does not constitute proper validation. They still have not deleted the unverified debt & tare still continuing to report it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Every time I check my credit I see accounts from XXXX, XXXX XXXX on my credit. This is old and stale information thats sitting on my credit report for 10+ years. Im trying to buy a home. This is causing my family economic harm during a pandemic. We can not obtain housing because of this. I should be free to go. Ive paid my 7-10 years. Please remove all old stale information from my file with all three credit bureaus. I am XXXX and caring for my granddaughters. We need to be able to get a loan for a home. Please remove these inquiries.

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 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX/XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXXXXXX  - Open date XX/XX/XXXX The following accounts is not mine : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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 2020-05-09 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: GA

Complaint narrative:
There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX/XXXX XXXX XXXX XXXXXXXX  - Open date XX/XX/XXXX XXXX XXXX - Open date XX/XX/XXXX The following accounts is not mine : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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 2020-05-09 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: MS

Complaint narrative:
remove the remaining items listed on my FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I paid my monthly credit card bill. The bank has a copy of the check received by the company. 
Now they are saying we didnt pay and are adding on additional fee and interest. 
What to do? 
We have called once but are looking for some results.

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 2020-05-09 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: MS

Complaint narrative:
remove the remaining items listed on my FTC report

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 2020-05-09 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: GA

Complaint narrative:
There are several student loan accounts and credit accounts that are inaccurately reporting lates on my credit file. The following accounts have accurate late reportings : XXXX XXXX - Open date XX/XX/2019 XXXX ( 10 accounts ) - Inaccurately reporting 120 days late There are address information that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are incorrect name on my XXXX  File : 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 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kashable LLC
State: MI

Complaint narrative:
I never received nor applied for this loan. I contacted them and the credit score people to no avail. I need this corrected and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I requested proof of their decision after my dispute with in the same letter that was mailed to Equifax via certified mail return receipt requested article number XXXX XXXX XXXX XXXX XXXX mailed XX/XX/XXXX and signed for by Equifax XX/XX/XXXX. 
Under the FCRA 611 ( A ) ( 7 ) which provides Equifax to provide proof of their verification after the dispute, I allowed 30 days after the dispute. Then I allowed the 15 days for the Method of Verification under 611 ( A ) ( 7 ). 
Equifax is in blatant violation of the FCRA for failing to provide proof. 
I plead with CFPB to have Equifax to provide me proof in writing as required under FCRA 611 ( A ) ( 7 ) not just state they investigated after receiving my dispute and that they verified which is not enough under the FCRA 611 ( A ) ( 7 ). 
In addition I also sent communications certified mail return receipt requested regarding proof article number XXXX XXXX XXXX XXXX XXXX Equifax signed for XX/XX/XXXX Equifax provided nothing and another article number XXXX XXXX XXXX XXXX XXXX which was also signed for by Equifax on XX/XX/XXXX. I am keeping careful record regarding every step I take just in case I continue being treated so badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA 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 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Victim of identity theft information was stolen in a breach mainly XXXX. And others

Company response to consumer: Closed with explanation