vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: TX

Complaint narrative:
All 3 credit bureaus are in violation of reporting inaccurate information on my credit before i file a lawsuit i am requesting removal of this item that do not belong to me and i have a letter from the creditor stating i do not have a account with them. Company is 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 2020-05-19 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: CA

Complaint narrative:
XX/XX/2020, I received fraud alerts from Bank of America credit card, I called them instantly. They asked did I make any purchased in XXXX. I told them no because I was still at work. They also asked me do I have my credit card with me, without checking my wallet or thinking my wallet would be missing, I told them I still have it. Then not long after that phone call, I received fraud alerts from my XXXX Credit Card regarding same thing. At then, I went to check for my wallet and only to find my wallet was missing. Then the same time I started to get fraud alerts from XXXX XXXX ( ATM card ). At that point, I called all my credit cards and banks ( XXXX XXXX and XXXX ) to freeze them. 
Between the evening of XX/XX/2020 and morning of XX/XX/2020, XXXX XXXX ATM card was charged {$350.00} and {$480.00} in XXXX  ( XXXX XXXX CA ) ; XXXX Credit Card was charged {$480.00} in XXXX  ( XXXX XXXX CA ) ; Bank of American charged {$220.00} in XXXX ( XXXX ), {$3.00} in XXXX ( XXXX ), {$20.00} in XXXX ( XXXX ), and {$15.00} in XXXX gas station ; and someone tried to empty my banking balance from XXXX for the total amount of {$15000.00}. 
XXXX Credit Card and XXXX XXXX both agreed that fraud occurred on XXXX through no fault of mine. XXXX also frozen my checking account at the first instant of fault, and not a XXXX lost. 
However, Bank of America declined my fraud claim stating that I gave permission for the person to use my credit card. 
I disputed Bank of America 's decision and sent in proofs that my wallet was stolen and all my credit cards/atm cards were stolen ( proofs include a police report, screenshot of text alerts from all of the credit cards/banks, timesheet to prove I was at work ).

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 2020-05-19 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: NJ

Complaint narrative:
I believe the accounts on my credit file are inaccurate and have not been verified by the credit bureau.

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 2020-05-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX, I received an email from XXXX XXXX that an credit inquiry had been made to Equifax and was now on my personal credit report. The inquiry was from XXXX XXXX XXXX XXXX, XXXX, XXXX TX XXXX. 

The above mentioned inquiry is fraudulent and unauthorized. I am not an XXXX XXXX XXXX customer, nor have I authorized any inquiries into my credit history for them, nor am I or have I recently contact XXXX XXXX XXXX for any of their products or services. I reported this as a dispute to XXXX XXXX on Sunday. 

On Monday, XX/XX/XXXX I also contacted a customer service number for XXXX XXXX XXXX to gain more insight. Their representative could not help me nor could they locate any trace of an inquiry or service or product associated with my name, in their system. 

On Monday evening, XX/XX/XXXX, I received a follow up email from XXXX XXXX that they reviewed my dispute. However, their response was not at all helpful or conclusive. It read : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX. 

At this time, I am asking for the Federal Trade Commission to please review this dispute and consider deeming it as fraudulent so that it may be removed permanently from my credit report without further adverse impact. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is a unverified Bankruptcy on my credit report. I requested METHOD OF VERFICATION which not provided. They credit agencies only the information was VERIFIED which is not true. 

I don't understand how they can do whatever they want when I have supplied a letter from the Bankruptcy court stating the credit agencies can not verify information from them as they do not share information. I requested this information over 30 days ago.

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 2020-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I believe the accounts on my credit file are inaccurate and have not been verified by the credit bureau.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is a unverified Bankruptcy on my credit report. I requested METHOD OF VERFICATION which not provided. They credit agencies only the information was VERIFIED which is not true. 

I don't understand how they can do whatever they want when I have supplied a letter from the Bankruptcy court stating the credit agencies can not verify information from them as they do not share information. I requested this information over 30 days ago.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to  request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
Bluebird suspended my account with no reason. I have money on that account, i use it for unemployment benefits. They will not accept my calls or explain anything. I have no way of accessing my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed 25 fraudulent charges had posted to my Chase credit card account between XX/XX/XXXX and XX/XX/XXXX, totaling {$1900.00}. These charges were not authorized by me, nor did I receive any benefit from them. I reported them as fraudulent to Chase via phone that same day and they were removed from my account. <p> On XX/XX/XXXX, I noticed Chase re-posted all of the fraudulent charges back to my account and notified me that their investigation determined that the charges were valid because I benefitted from them. <p> On XX/XX/XXXX and XX/XX/XXXX I called Chase to dispute their finding and request any documentation related to their investigation. I was placed on hold several times for over 30 minutes and transferred to different departments. Neither call resulted in Chase forwarding documentation as requested. I similarly emailed their fraud department as suggested over five times with similar requests. No documentation has been received. <p> While waiting for Chase to send over their documentation, I began collecting my own evidence related to these charges in an effort to prove they were not made nor authorized by me, nor beneficial. For instance, one of the charges occurred at a XXXX XXXX on XX/XX/XXXX for {$83.00} at XXXX in XXXX , CA ( see attached ) by someone with the name XXXX . However, during this time, I was meeting with a patient in my home-city of XXXX XXXX, 380 miles away and can prove so.As I slowly collect other receipts from vendors, as Chase so far refuses to send me any of their documentation, I realize that many of the charges occurred during times when I was meeting with patients hundreds of miles away ( I am a XXXX ). <p> I have never spent anywhere near {$1900.00} on restaurants in a similar period, especially in locations far from my home. It is ridiculous that Chases fraud service did not detect nor notify me earlier of these charges. And it is also ridiculous that as a XXXX, during a pandemic, I have to waste my time fighting Chase over these clearly fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Booked my vacation through XXXX on XXXX to travel to the XXXX on XX/XX/20. Paid {$3000.00} with my Arvest debit card. 

Got an email from XXXX saying all trips are canceled due to covid and to talk toy bank about refund options on XX/XX/20. My itenerary was updated and showed a refund of {$1700.00} but I got nothing. 

I have contacted Arvest to dispute twice. The first time they took my info and two weeks later sent a letter saying noting could be done. Second time I called to escalate it and they said they couldnt do anything. XXXX isnt answering calls or accepting info, they ha e layed off their entire workforce and are supposedly closing. 

I joined a XXXX group called scammed by XXXX and tons of people have gotten refunds From their credit card companies and banks. 

Please help if its at all possible

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 2020-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Auto Loan is reporting inaccurate, misleading and false information to the credit bureaus regarding our Santander Auto Loan Balance. 

Account number : XXXX In Re ; XXXX  XXXX XXXX Subject : Fair Credit Reporting Act Violation, failure to correct billing and reporting misinformation to Bureaus. 

I have tried to resolve this issue and I was told I needed to send a letter I escalated the call and still nothing has been done to correct the billing or the misinformation to the credit bureaus. 

We have made our payments and we are upto date with extra payment on the account. However Santander Auto says we owe them a whole payment, that information is not accurate false misleading and is being reported to the credit bureaus. 

We are not behind on our car payments as a matter of fact we are ahead in these difficult times. Santander is not correcting the error and still chooses to report inaccurate misleading and faulty payments to our account. 

This is a major issue because it bears false light on our character and payment history and hinders or attempt to establish credit to purchase a home or other important necessity. 

I am therefore requesting a investigation into our account and need or credit report repaired because Santander Auto Loan is reporting false faulty information. 

And Santander is over charging us per month causing a hardship now and and at the end of the auto loan. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a citi credit card with {$13000.00} limit. I have a promotional rate of XXXX  XXXX  for 12 months with a balance of {$3400.00}. I have a flex loan with a fix rate of XXXX XXXX for 36 months. I was paying the extra for the promotional amount as their is only 6 months left, and CITI decided to put the extra toward the flex loan. 

No option for me to choose which loan to pay certain amount, as after the promotional loan expires, the amount is subject to XXXX XXXX interest. This to me is fraud or entrapment.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I applied for a promotional mileage credit card through Bank of America partnered with XXXX  XXXX in XXXX of 2019. I did not receive and activate my card until XX/XX/XXXX of 2019. However, they started the 90 day promotional period from the day I applied online. I have attempted to resolve this with Bank of America directly as well as with the XXXX, and although they admit the card was not activated until XXXX they are unwilling to take the responsibility for the misleading promotional period of 90 days.

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 2020-05-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed a dispute letter in regards to the incorrect items on my credit Report. Its been a week over 30 days and i have not received any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
God is Great I am being lied about Im married now And me and My wife has called I had a phone Stolen had Insurance!!! insurance received my money payed at XXXX site and never got a new phone in the mail So I called and they said you didnt have a phone stolen so I said I have a police report and you said the phone was not for sale now took off sells it the top of the line Terbite and XXXX phone with Insurance I payed my Deductible and never got a phone that was sent in the mail Amen and cant get my bank protection that I payed for

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 2020-05-19 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: LA

Complaint narrative:
I filed a dispute letter in regards to the incorrect items on my credit Report. Its been a week over 30 days and i have not received any information.

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 2020-05-19 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: LA

Complaint narrative:
I filed a dispute letter in regards to the incorrect items on my credit Report. Its been a week over 30 days and i have not received any information.

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 2020-05-19 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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