vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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: CA

Complaint narrative:
I am disputing the XXXX XXXX XXXX entry on my credit report for violation of the FCRA and California State Law. This information has not been reported correctly nor has it be updated correctly. It states the date of last activity is XX/XX/XXXX on Experian and on XXXX it states the date is XX/XX/XXXX. Experian shows the account as Open and XXXX shows it as Derogatory, these are inaccurate entries. Experian also shows the last payment was XX/XX/XXXX and XXXX shows the last payment as XX/XX/XXXX again these are both inaccurate entries and in violation of the FCRA and California State Law. The vehicle was in a non-driving accident hit by a Truck while parked and covered by Insurance once deemed it was a total loss. 
This item must be removed from my credit report immediately due to their clear violations of the FCRA and California State Law, this is Fraud!! I am sending a copy of the credit reports for both Experian and XXXX to verify the fraudulent entries on my credit report. I request immediate removal of this item off my credit 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 2020-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
debt is not mine ive already disputed the debt and the company refuses to respond to my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX, XXXX had money provided ( {$220.00} ) in my suntrust checkings account for a certain transaction that was due the next following day. I paid my bill to a creditor that was {$160.00} afterwards the next day but made an additional transaction prior ( that same day ) that was for a fast food place that I was covered for. Only 2 transactions. I was charged twice ( just afterwards Suntrust made my account go over ) for an overdraft fee for both in which I had funds still available. {$54.00} remains. Suntrust fails to remove both overdraft fees making it seems like I didnt have any money when i did. And Suntrust just charged another excessive overdraft fee.

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 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
To whom it may concern, I am writing today, to request an investigation into an incorrectly deposited check from XXXX XXXX. On XXXX XX/XX/2020, I requested a balance transfer with XXXX XXXX in the amount of {$650.00}. This was meant to go to a credit card with XXXX XXXX - XXXX ; however, the form with XXXX XXXX  auto-filled to Citibank and the following Citibank address : Citibank XXXX. XXXX XXXX XXXX KY, XXXX I did not catch this error during the balance transfer process, nor fully discover the error until XXXX XX/XX/2020, when I contacted XXXX XXXX. A stop was issued for this check : check # XXXX in the amount of {$650.00} from XXXX XXXX. However, the check was cleared by Citibank on XXXX XX/XX/2020. After speaking with several representatives with both XXXX XXXX and Citibank, I was advised to send a letter to formally request an investigation into the funds ending up in an unclaimed property bucket, or more simply put where the funds ended up, as well as request a refund in the amount of {$650.00} be issued directly to me, as there is no Citibank account for this to post to. XXXX XXXX advised due to the check being cleared by Citibank, they can not and will not be offering any further assistance with the matter, offer any investigation on their end, or speak directly to Citibank, and that I am to handle this directly through Citibank to get this resolved. Any assistance in this matter would greatly be appreciated, as I am currently stuck in limbo. 

I sent a letter with this information, and more, on XXXX XX/XX/2020 to Citibank, then again on XXXX XX/XX/2020. I have sent this information to two addresses : Citibank XXXX. XXXX XXXX XXXX KY, XXXX Citibank XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX I have not heard a thing, and on XXXX XX/XX/2020 I opened a checking account with Citibank, in an attempt to now be a customer, and receive some assistance. I am still receiving the same run around from Citibank, and no headway has been made, as they tell me they will not look into the matter, without XXXX XXXX XXXX involvement, which XXXX XXXX stated they will not assist with.

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 2020-12-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
Date : XX/XX/2020 Amount : {$500.00} XXXX play & {$1200.00} XXXX Action : I tried reaching out to both companies but no help. 

Someone acted as if they were one of my managers and emailed my work email from a personal email. It's not out of the ordinary for one of my managers to have us pick up something or drop off something somewhere. So the person ( acting as if he was one of my managers ) asked for my cell phone number and told me to pick up gift cards for clients. He mentioned that he was on a conference call. ( sidenote : a few of our clients are coming into our office next week which made it more believable. ) My manager wasn't in the office for me to ask him personally so all of our messages were via text. He told me to urgently pay for gift cards for clients and scratch the back off and take a picture of it. The sad part is, this is something my manager would actually do. He would rush us to complete something. I guess the only difference is that my manager would have provided with his company card. But since he wasn't here, he claimed to reimburse me. Then after he rushed me to make different purchases with gift cards, I discovered it was a scam after scratch the gift card backs and sending the scammer a picture and talking to my coworker about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the XXXX XXXX XXXX entry on my credit report for violation of the FCRA and California State Law. This information has not been reported correctly nor has it be updated correctly. It states the date of last activity is XX/XX/XXXX on XXXX and on Equifax it states the date is XX/XX/XXXX. XXXX shows the account as Open and Equifax shows it as Derogatory, these are inaccurate entries. XXXX also shows the last payment was XX/XX/XXXX and Equifax shows the last payment as XX/XX/XXXX again these are both inaccurate entries and in violation of the FCRA and California State Law. The vehicle was in a non-driving accident hit by a Truck while parked and covered by Insurance once deemed it was a total loss. 
This item must be removed from my credit report immediately due to their clear violations of the FCRA and California State Law, this is Fraud!! I am sending a copy of the credit reports for both XXXX and Equifax to verify the fraudulent entries on my credit report. I request immediate removal of this item off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
So I had a credit card purchase denied today on a Citibank branded credit card. I logged onto my citibank account and saw all of my credit cards and my wife 's credit cards closed. In addition XXXX citi thank you points, {$710.00} in cashback ( and based on the credit cards terms I should have a bunch more they just posted ) {$200.00} in cahsback, and another XXXX in citi thank you points were gone from my account. I received no email or letter regarding this. 

I called citibank and the representative confirmed my accounts were shut by the bank, they claimed an email was sent on XX/XX/XXXX ( it was not, I have nothing in my inbox or my trash and the representative confirmed my email is on file ). He also claimed i am losing all of my points and cashback, and said he can't discuss this over the phone and didn't give me another options saying possibly a letter will come in the mail and maybe I can respond there. Regardless on the citibank website it told me to call the number I called, so it seems they are giving me a runaround. 

I would definitely like to get my points and cashback, like to know why they shut all my accounts and if possible get it reinstated. 

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 explanation
Consumer complaint received 2020-12-04 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: CO

Complaint narrative:
Equifax is reporting an old account with XXXX XXXX as a charge off. The account was paid in a settlement and should reflect paid as agreed and Is Not a charge off account Both XXXX and XXXX have this reported correctly. 
Equifax has stubbornly and unjustly refused to address this simple issue. 
They seem to be trying to punish me because I have taken steps to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX/XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accounts Receivable Inc.
State: WA

Complaint narrative:
I am writing to ACCOUNTS RECEIVABLE agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX report prevents me from achieving the desired results. 
I am kindly requesting ACCOUNTS RECEIVABLE agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently received unsolicited replacement credit cards in the mail from Chase Bank. These new cards have the same card number but entirely new security codes and expiration dates. They also have the tap to pay feature which is not something I want for security reasons. They automatically updated my account to show these new exp dates and security codes without me verifying receipt of the cards. The card they are replacing does not expire for years so I would have no reasonable expectation that these were being mailed to me and if lost in the mail I would never have known about them until my auto payments were denied due to mismatched security code and exp date or until somebody else found them and began using them. I do not want to have to go through every autopay account I have to update this information and have tried to deny these cards or opt out but chase wont allow me to. Theyve also stated that there is nothing I can do to stop future unsolicited replacement cards so I have no peace of mind that another card in my name could end up floating around down the road. I will be cancelling my accounts with chase once I have new accounts set up elsewhere but would like to see them be forced to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: WA

Complaint narrative:
I am writing to ENHANCED RECOVERY CO L agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX and XXXX reports prevents me from achieving the desired results. 
I am kindly requesting ENHANCED RECOVERY CO L agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have an Amazon Prime credit card from Chase Bank. 
Months ago I ordered Amazon Prime and used it for 2 months, for which I paid. I then cancelled before the next billing cycle ( online ) and it read : Your Amazon Prime has been canceled, you will not be billed. 
Sine then I have been billed every month, including late charges, and interest. I have spoken with Customer service reps and supervisors 5 separate times. They all assured me that this was all cleared up and I owe NOTHING. I even have an e-mail from one confirming this. And yet ... .the statements keep coming. The last one says I owe {$38.00}. 
Yesterday I mailed them a letter saying that I filed a complaint with the FTC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that doesn't belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that weren't mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. On XX/XX/XXXX, I went to filed an Identity Theft Police Report just as the Credit Bureaus requested on their replies. On XX/XX/XXXX, I called XXXX XXXX regarding an account showing on my credit report that doesn't belong to me, I explained that I was a victim of Identity Theft and the account mentioned above wasn't mine, after they reviewed their file, they finally decided to send me a " Declaration of Fraud '' with a case number XXXX. This letter stating that once I filled out the paper they would send it to EXPERIAN so they would removed the account from their file, so I filled out and faxed it over, also sent it by certified mail the next day, I was expecting that the XXXX XXXX XXXX account would be getting removed but the account is still showing on my EXPERIAN report so I decided to take the extra step, to write a complaint thru this CFPB website hopping for good results to come in next time.

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 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Hello, and thank you for your consideration in this matter. My name is XXXX XXXX and I have been a satisfied customer with American Express until now. I applied for a credit line increase on my XXXX XXXX credit card, and was denied. The letter that I received contained a few reasons why I was denied, but I was surprised by the first listed reason : " Your consumer credit report indicates your payment history has been unsatisfactory. '' Knowing this to be false, I reached out to the Chairman 's Office at American Express via email on XX/XX/2020, inquiring why this reason was listed on my denial letter. 

I was contacted by XXXX at the Executive Office at American Express at XXXX XXXX on XX/XX/XXXX, and she mentioned two things. Firstly, that based on what she could see using in-house information, my payment history has been fine with American Express. Secondly, she insisted this information was there because of information American Express received from my XX/XX/XXXX credit report. I checked my XX/XX/XXXX credit report, and there is no mention whatsoever of an unsatisfactory payment history anywhere in this report. This could very well be a simple mistake, but at this point, American Express seems quite certain my credit report is giving this information. This leads me to believe that this reason is appearing on my report fraudulently. 

I will send the XX/XX/XXXX letter and my XX/XX/XXXX credit report dated XX/XX/2020. I hope to hear from your office soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: IN

Complaint narrative:
Below is XXXX XXXX response to my second latest complaint. In it they claim I am raising a dispute. Never did the word dispute show up in my complaint. Here is their response : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at XXXX XXXX //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, PA XXXX Lets try it again. TransUnion on its own showed me as delinquent on my mortgage. Trans Union never received a thing from XXXX XXXX or anything else stating that I was delinquent. So on its own Trans Union elected to show me as delinquent. Here is my question for about the 20th time. Why? Why did Trans Union on its own show me as delinquent?

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 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: NY

Complaint narrative:
Allied Collections Services has repeatedly ignored my requests to send out a pending balance letter. I can not confirm the amount owed with the vendor either as my bank ledger shows how much I have paid to the original vendor and to the collection 's agency and neither could verify the amount paid to them. Vendor is : Allied Collection Services ( on behalf of XXXX XXXX ) XXXX Phone number ( XXXX ) XXXX Get Directions XXXX XXXX XXXX XXXX , XXXX XXXX, NV 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 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
I went to XXXX  XXXX  to open my first credit card and the agent told me that I had 23 opened/closed credit accounts. I never had a credit account before. Someone used my identity to opened all these accounts under my name. 
The companies and banks are : XXXX XXXX  XXXX XXXX Discover bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some companies that has multiple accounts opened. 
I attached photos of the banks and amount owed down below.

Company response to consumer: Closed with non-monetary relief