vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED  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. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -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 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received funds from the XXXX in XX/XX/2020 deposited into CapitolOne Bank. Today, 5 months later ; CapitolOne decided to close my account and threaten to return funds due to a suspected fraudulent deposit from XXXX. They did not offer me the option to prove that the transaction is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XXXX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XX/XX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas

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 2020-11-13 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: OH

Complaint narrative:
On XX/XX/XXXX, a charge from XXXX in the amount of {$550.00} was made to my Chase Credit Card account. I did not make a purchase at XXXX with the card. I don't purchase from XXXX nor do I wear any XXXX products. I called Chase to report the fraud and they closed the account and issued me a new card and number. They also removed the charge from my account. Today I received a letter from Chase stating they had completed their investigation and that I am responsible for the charge because I received benefit from the transaction. I tried to call them at XXXX EST because the letter stated they were open until XXXX EST but they have changed their hours without changing the letter and were closed. They don't provide me any details as to what their investigation found or the benefit I received from the fraudulent transaction I did not execute. I would like to know what was purchased and where it was sent. I would like to know what their investigation found AND I do not want to be responsible for a charge which I did not execute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
On XX/XX/2020 I sent this dispute to XXXX to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.

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 2020-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Automatic Data Processing, Inc.
State: CA

Complaint narrative:
ADP XXXX XXXX intentionally disclosed my personal information to over 60 employees without my consent. Ive been asking ADP to refrain from these activities since XX/XX/2020. Since The disclosure of my personal information Ive been a victim of fraud and my safety at risk due to disgruntled employees whove made threats against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I XXXX my account and closed it, but the bank charged a service charge and an overdraft fee on the service charge not notifying me of either charge, so this is a continuation of your case # 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 2020-11-13 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: NY

Complaint narrative:
XXXX reporting 30 day late payment on my XXXX account when i was never late

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 2020-11-13 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Today XX/XX/XXXX, I checked my XXXX credit report to see if there were any updates on my credit report. Last week I had started some disputes on some of the accounts on my credit report since some of the information on them was inaccurate. I did notice one big problem that has made me really worried. There is an account on my report that I don't believe is mine. I noticed that this account had similar information as another account on my report. Both accounts reflect the same date, XX/XX/XXXX as their date opened. Both accounts have the same write off amount of {$1800.00}. The account that I don't believe should be on my report is listed as an auto loan. I do have pictures that I will download. Now, I have that same information reflecting on my other credit reports and I have a feeling that the company BB & T that is reporting this information to my credit reports has written off my account more than once.

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 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
XX/XX/2019 I paid my XXXX XXXX XXXX balance in full after learning from customer service that I had missed a payment. I continued to make my monthly payment even though payment had become an issue. Prior to this I had always paid my balance in full each month. I asked the creditor on several occasion to remove the excessive charges as a goodwill gesture. Original creditor : XXXX XXXX XXXX refused to do so and has continued to assess late fees, and/or finance charges, and/or other fees causing my account balance to exceed my credit limit. XXXX has reported this on my credit report. This has negatively effected my good credit score. XXXX sold the account to a debt collector : THE BUREAUS who continues to increase the balance and causing my credit rating to go bad, thereby causing me to miss opportunities to improve my credit rating and create a better standard of living for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute and also supplied them with supporting documents in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just tried to submit a dispute with Experian credit reporting agency. After filling out all the information they would not accept my dispute. I tried to dispute an account .... XXXX XXXX XXXX XXXX ... that is reporting as delinquent. I purchased something from this company back in XXXX of XXXX I used a gift card they had sent me there was nothing charged to my card. However I received an alert that this account was being reply as delinquent I called customer service today to find out what is going on. I was told yes the gift card covered my purchase and there was a {$8.00} balance showing on my account that accumulated late fees which brought my balance up to {$40.00}. The representative didnt no why I was charged this as well but I was advised pay {$12.00} and she will waive the late fees. I didnt understand why I even had to pay the {$12.00} to begin with but I paid it anyway. Now on my Experian report its showing as delinquent. This is not right as it caused my score to drop and they wont let me dispute it.

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 2020-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have initiated contact and accepted calls from Navient to discuss resolving my school loans. Previously, all of the loans were supposed to be on deferment because of the Covid situation and me losing my job. The loans went from being covered entirely to only one specific loan. The few times I called I was given the run around and the customer service rep was only focused on how I would be paying my bill for the month. No assistance whatsoever. Again, this is me initiating the call. Between the months of XXXX to now, XXXX, I receive about 40 calls PER DAY from Navient. I am not even counting the emails that are sent. The company calls from different phone numbers, from all around the nation. I know because I have picked and spoken to a few and I have googled the numbers. Numerous complaints from people. It is beyond harassment and its frustrating to not even be able to receive calls because they are taking up the line. HELP!! Something needs to be done about this with this company. If other companies can not do this, why does Navient feel like they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have 3 major issues with the company Coinbase. 
On XXXX I purchased XXXX $ of XXXX and on XX/XX/XXXX another XXXX $ worth of XXXX. The following day when I wanted to sell my coins for a profit several issues arose : 1. The sell max function- which allowed you to automatically sell you maximum coins was not working at all, it was up to me to roughly calculate how much money I wanted Inevitably leaving some behind in their wallet. 
2. As soon as I sold my requested amount of XXXX $ they cancelled my transaction! This resulted in me losing money, they did not let me sell when I wanted and I was stuck selling when their system permitted me to. I sold on XX/XX/XXXX XXXX $ worth of XXXX XXXX, leaving XXXX $ worth behind, again because their sell max function doesnt work. I lost hundreds of dollars and there is no one to talk to. They do not have customer service. I filled a form and revived a reply via email it will take them 5-7 days to look into this. But Im the meantime they took my money and I want it back.

3. After filing a complaint with the XXXX on XX/XX/XXXX, they are not letting me withdraw my funds out in the amount of XXXX $ and holding my money hostage for no reason. When I try to complete the transaction the system shows a message saying I have no funds available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am appalled by the fact that Citi did not remove this late remark that completely violates the FCRA. 

I have contacted the Consumer Financial Protection Bureau and the Federal Trade Commission because your company is reporting me 30 days past due from the {$450.00} membership fee that was placed on my account in XX/XX/2020. 

When I initially applied for this card, the {$450.00} fee was automatically going to be taken out with the checking account information I provided during the application process. I even contacted Citi and was told that no minimum was due at the time, NOT even the internal membership fee. 

This is not a true representation of my payment history as I did not spend one penny on this account before your company reported me 30 days past due. This is against my consumer rights to report information based off a fee that Citi applied to this account. Especially, when this was scheduled to be paid when I applied for this card. 

Your company CAN NOT report me 30 days past due! I was never informed by your company of ANY membership fee that was going to be applied when the card opened. How can your company report a fee on this account when XXXX NEVER used it. How can your company report me 30 days past due when I never used the card? This is completely unethical and I need further explanation.

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2020-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just tried to submit a dispute with XXXX  credit reporting agency. After filling out all the information they would not accept my dispute. I tried to dispute an account .... express next credit card ... that is reporting as delinquent. I purchased something from this company back in XX/XX/2020 I used a gift card they had sent me there was nothing charged to my card. However I received an alert that this account was being reply as delinquent I called customer service today to find out what is going on. I was told yes the gift card covered my purchase and there was a {$8.00} balance showing on my account that accumulated late fees which brought my balance up to {$40.00}. The representative didnt no why I was charged this as well but I was advised pay {$12.00} and she will waive the late fees. I didnt understand why I even had to pay the {$12.00} to begin with but I paid it anyway. Now on my XXXX  report its showing as delinquent. This is not right as it caused my score to drop and they wont let me dispute it.

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 2020-11-13 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I just tried to submit a dispute with XXXX  credit reporting agency. After filling out all the information they would not accept my dispute. I tried to dispute an account .... express next credit card ... that is reporting as delinquent. I purchased something from this company back in XX/XX/2020 I used a gift card they had sent me there was nothing charged to my card. However I received an alert that this account was being reply as delinquent I called customer service today to find out what is going on. I was told yes the gift card covered my purchase and there was a {$8.00} balance showing on my account that accumulated late fees which brought my balance up to {$40.00}. The representative didnt no why I was charged this as well but I was advised pay {$12.00} and she will waive the late fees. I didnt understand why I even had to pay the {$12.00} to begin with but I paid it anyway. Now on my XXXX  report its showing as delinquent. This is not right as it caused my score to drop and they wont let me dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I have a prepaid card that was issued on XX/XX/2020. On both XX/XX/2020 and XX/XX/2020, I was charged a " monthly service fee '' of {$3.00}. I believe that charging such a fee on this prepaid card, especially so soon after issuance, is in violation of the federal CARD Act and/or N.Y. General Business Law 396-i.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
experian reporting 30 day late payment on my XXXX account when i was never late

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