vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I had a credit card with Barclay 's Frontier Airlines that was unfortunately closed and charged off due to my being unemployed for several months. Barclays sold that account to XXXX XXXX. I paid XXXX XXXX  and settled the drbt in XX/XX/2021. XXXX XXXX 's policy is pay for deletion, which they have done, however Barclays is continuing to report that debt to being currently theirs to all 3 credit bureaus. I have disputed and submitted the paid in full letters to all three credit bureaus and Barclays, but Barclays refuses to update and correct the information. Because of this inaccurate reporting from Barclays, my credit scores have dropped over 100 points. I have worked hard to save money to pay off my debts and save money to purchase a home. Because of this Inaccurate reporting I can not do so at this time. I need this information that it causing severe damage to my credit worthiness corrected an removed

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 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Hello CFPB, I am a XXXX year old with a credit score of XXXX and recently applied for my first credit card at PNC Bank. I signed up for the XXXX XXXX PNC Credit Card and got back an interest rate on my card of 23.99 % on the scale of 13.99 % to 24.99 % which was shown on the marketing materials. I was given a mailing from PNC saying that my credit score was XXXX and verified saying that my credit was better than 45 % of consumers. I thought the interest rate they gave me was very poor considering my credit history, so I called them and talked to XXXX about this issue. He said that PNC Bank typically gives everyone a rate in the higher range of the interest bracket including himself. He said that he has a credit score of over XXXX and he still is given a rate over 24 % consistently with PNC 's credit cards. He suggested I talk to the credit department to find out more. I was transferred to XXXX who explained to me that the rates are high, but are decided based on the prime rate of 3.25 % at this time and then PNC multiplies this number by a margin multiple which allows them to make money on credit card debt. It turns out this multiple is actually very similar for all PNC customers regardless of their credit score. Additionally, once a credit card is created, it is impossible to ask for the rate to be changed within 6 months according to the employees. PNC should not be allowed to market their credit cards with a range down to 13.99 % if they always put people in the top quarter of interest rates. This is false advertising and is damaging to consumers by making them think they have a chance at getting a good interest rate, but always giving them a poor interest rate regardless. I left my formal complaint with both XXXX and XXXX who she transferred me to. I would like CFPB to fix this issue that credit card consumers have. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: IL

Complaint narrative:
This is a newly opened account. Once opened, I immediately paid the loan down 50 %. However, the loan reported to my credit report without reflecting the payment and lower balance. 

The loan also does not report to Equifax. Only XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this date, 90 days later, I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 90 days and I am demanding these accounts are deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NC

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry I am not familiar with. 
XXXXDate of Inquiry XXXX XXXX, 2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2021, I tried to purchase air tickets on the official website of XXXX XXXX, one of the world 's largest airlines. However, my city premier card was declined. I called citi, and they denied that it was their problem, because they did not see the transaction, and started to blame the merchant. This was not the first failure I had with this citi card, and they continuously blamed the merchants rather than look at their own system. I have attached the screen shot to prove that the transaction indeed was submitted to citi for process and it was citi who declined it. I would prefer to have this case escalated to the highest level such that the rights of the consumers could be protected. Thanks.

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 2021-09-10 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'M SENDING THIS LETTER TO HELP WITH GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT ASAP.

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 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I setup an XXXX though XXXX XXXX in XX/XX/XXXX and set them up as my registered agent. I paid the due amount in full. At the point was there ever a notification that a yearly recurring charge will be posted for registered agent. At no poont did I request or authorize these charges. Receivel a collection letter this month. 

1 ) no notification of yearly charge of {$170.00} for RA 2 ) price increase without notice - it has ballooned to {$390.00} 3 ) adding charges for additional services not requested or needed. as part of their fee justification- they added a " legal form '' service 4 ) XX/XX/XXXXis no longer my registered agent I CalledXX/XX/XXXX today and after nearly 1 hr run around - was transferred to a " retention specialist '' that offered to settle the manner for XXXX. They state they emailed customer price increase from XXXX to XXXX but I archive all emails and not notification was ever sent. 
Emailed and faxed collection agency disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NC

Complaint narrative:
I have file 609 disputes with each of the three bureaus asking for debt verification on all collections in the form of writing and certified Mail asking for information on any collections along with two different documents providing my identification I have not received any information all I have received was a email saying the unverified debt was correct information I dont understand how they can investigate without me seeing any information when the law clearly states to report off information in writing if not remove the collections they are not verified

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 2021-09-10 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: NC

Complaint narrative:
I have file 609 disputes with each of the three bureaus asking for debt verification on all collections in the form of writing and certified Mail asking for information on any collections along with two different documents providing my identification I have not received any information all I have received was a email saying the unverified debt was correct information I dont understand how they can investigate without me seeing any information when the law clearly states to report off information in writing if not remove the collections they are not verified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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:
I'M SENDING THIS LETTER TO HELP WITH GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT ASAP.

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 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M SENDING THIS LETTER TO HELP WITH GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I received an invoice from Ability Recovery Service for a debt from XXXX XXXX on XX/XX/2021. I disputed this debt on XX/XX/2021 as I have already settled with XXXX XXXX as of XX/XX/2021. On XX/XX/XXXX, I received my first phone call from Ability despite not yet receiving written verification of the debt. On XX/XX/XXXX, I was notified that my this debt was added to my credit reports. On XX/XX/XXXX, I received another phone call from Ability. As of XX/XX/2021 I have yet to receive written verification of the debt.

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 2021-09-10 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: TX

Complaint narrative:
On or about XXXX XXXX XXXX  pulled a soft credit inquiry from Equifax for 3 of my credit card accounts and based on this information my credit lines were decreased drastically. Equifax reported my credit score at XXXX on XXXX. I called the credit card department at XXXX and found the information they were using was incorrect because they based the decision on these three things. Balance owed on revolving accounts too high and i only have 20 % credit use on my credit cards per Equifax. XXXX also said Balances on accounts are too high compared to credit limits and per Equifax of the XXXX  accounts only two have a balance the remainder is XXXX balance. The last issue per XXXX the number of accounts in use is an issue. Equifax is reporting only two  accounts out of XXXX have a balance. I spoke to XXXX and because they decreased my credit limit on erroneous information the only way to fix what they broke I have to submit to a hard inquiry which will stay on my credit report for two years. I was told even then there was no guarantee which is essentially a no win situation because the credit inquiry will be mine to own for the next two years do to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
On XX/XX/21, I contacted Portfolio Recovery to inquire about a collection for XXXX XXXX reporting to all 3 major credit bureaus in the amount of {$1200.00}. I spoke to 2 representatives and a supervisor who all stated that they could find NO record of the collection in their office. They stated that since they could find no record, they couldn't do anything about it. 

I am currently in the processing of loan approval and having this collection on my reports is not only hurting my scores, but also the history of my reports. I have included screenshots of the erroneous reporting and their contact information listed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, TransUnion, and XXXX continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.

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 2021-09-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax, XXXX, and XXXX continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX, and Experian continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.

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 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I receive automatic deposit of the Child Tax Credit on a monthly basis, into my checking account at Chase Bank. 

The issue lies in that they DEPOSIT over XXXX dollars of their money into my checking before I receive the CTC deposit. XXXX weeks later, Chase removed the, over XXXX dollars from the account. 

It causes such volatility in my account, and they said by law they have to do this if the account is in the negative, before the automatic payment comes in for the CHILD TAX CREDIT. 

I have requested many times and the most recent was XX/XX/21 I called the bank and even spoke with a supervisor to no avail. 

They said I would have to request a check instead of having the automatic deposit. 

As a consumer, it is not ok for a banking institution to freely credit or debit your account especially, with their money, and it being mandatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TX

Complaint narrative:
I HAVE BEEN DISPUTING INFORMATION FOR THE BETTER HALF OF A YEAR WITH TRANSUNION ON SEVERAL TRADELINES. TODAY XX/XX/2021 I SPENT OVER AN HOUR ON THE LINE WITH A TRANSUNION REPRESENTATIVE TRYING TO GET INFORMATION ON WHAT IS BEING FURNISHED TO THEM TO PROVE THAT THESE INACCURACIES ON MY REPORT ARE CORRECT. I WAS ADVISED I WOULD HAVE TO GET A SUBPEONA TO GAIN ACCESS TO INFORMATION THAT WAS BEING PROVIDED AS PROOF OF ACCURACY ON MY OWN CREDIT BUREAU. I WAS DENIED PROOF OF INVESTIGATIONS. I WAS REFERRED TO THEIR DISPUTE FORM ONLINE WHICH I HAVE DONE SO MANY TIMES BEFORE. I WAS ADVISED BY THEIR REPRESENTATIVE THAT THE INFORMATION BEING FURNISHED ON MY XXXX IS FROM THE CREDITOR AND THAT THEY BASICALLY HAD NO CONTROL. PER FCRA THE INFOMORMATION MUST BE VERIFIED AS ACCURATE AND I HAVE YET TO BE FURNISHED PROOF OF THE ACCURACY. I HAVE BEEN BOUNCED AROUND FROM CREDITORS TO BUREAU. THIS IS A WAY TO PROLONG THE SITUATION AND IN THE END CAUSE DAMAGE TO MY REPORT AND MENTAL HEALTH. THIS SITUATION HAS CAUSED NOT ONLY SERIOUS MENTAL ANGUISH BUT MAJOR 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 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I provided the debt collector with a receipt that was paid in full in XXXX. They refused to investigate or remove from my credit report. My debt is paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XXXX Chase Bank pulled a soft credit inquiry from XXXX for 3 of my credit card accounts and based on this information my credit lines were decreased drastically. XXXX reported my credit score at XXXX on XXXX. I called the credit card department at Chase and found the information they were using was incorrect because they based the decision on these three things. Balance owed on revolving accounts too high and i only have XXXX XXXX credit use on my credit cards per XXXX. Chase also said Balances on accounts are too high compared to credit limits and per XXXX of the 38 accounts only two have a balance the remainder is XXXX balance. The last issue per Chase the number of accounts in use is an issue. XXXX is reporting only two accounts out of 38 have a balance. I spoke to Chase and because they decreased my credit limit on erroneous information the only way to fix what they broke I have to submit to a hard inquiry which will stay on my credit report for two years. I was told even then there was no guarantee which is essentially a no win situation because the credit inquiry will be mine to own for the next two years do to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have these items that are not mine and i want them to be removed. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft JPMCB AUTO  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft JPMCB AUTO Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief