vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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: AZ

Complaint narrative:
Company continues to threaten me and this account has been reported inaccurately. This account has never been on credit report and my information was passed by company to company multiple times without my consent. I want this removed from all three credit bureaus immediately and for them to stop harassing me. I lost my job due to covid layoffs and have lost family members and this continues to add stress.

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 2020-12-02 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
Multiple times I have sent letters to Kia Motors Finance ( KMF ) attempting to have a negative report removed from my various credit bureau reports. I have owed KMF {$0.00} on an account that has been closed for more than a year. I have received letters from KMF stating that they sought more information in order to initiate an investigation on my disputed items. I have received their requests for more information with zero initiation or displayed efforts on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX all within 2020.

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 2020-12-02 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX lowered my available credit from {$10000.00} to {$1000.00}. I have never missed a payment. I had a XXXX balance on the card when they did it. My household income has not changed. After they lowered my available balance my credit score dropped about 50 points. A few months later On XX/XX/2020 Chase Bank lowered the available balance on my Slate card from {$11000.00} to {$500.00}. They also lowered my Freedom card from {$20000.00} available credit to {$500.00}!!! Again I've never missed a payment on any Chase card. I had a XXXX balance on both cards and my household income has not changed. By next month my credit score will be in the basement. I always use my credit responsibly. I always make my payments. Furthermore I was not notified by either company ahead of time. I was given no notice at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My mortgage was sold from Wells Fargo to XXXX in XX/XX/XXXX Wells fargo will not provide me with a record of the ground rent payments of {$54.00} that was deducted from my escrow unless I ask for a release of information. This should be released to my new loan servicer which is with XXXX  automatically. 
Release of information request must be sent to fax # XXXX. Spoke with XXXX  ID # XXXX  with Wells Fargo ground rent was paid to XXXX XXXX XXXX which changed their name to XXXX However when I spoke to them XX/XX/XXXX they indicated Wells Fargo paid them on XX/XX/XXXX. I am no longer with Wells Fargo and I need a record of all payments. 
The total to pay the ground rent pay off is {$1800.00}. I have been paying for years and without my consent paid out of my escrow. I need a record of my signature and the total payments over the years. I spoke with XXXX ID # XXXX with XXXX XXXX and she will send the statements to my address per my request as of today. XX/XX/XXXX. 

Let me know if Wells Fargo were authorized to take payment IN FEE for the ground rent or not..

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 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have no knowledge of these accounts and was never given an opportunity to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Ive disputed this INNACURATE information they verified it as accurate which it indeed INNACCURATE. THEY CAN NOT PROVIDE ME ANYTHING WITH MY SIGNATURE

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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I opened a predatory Credit Card with XXXX back in XXXX of XXXX. In XXXX of XXXX I fully paid the card off and requested for the card to be closed. 

I spoke with a XXXX XXXX who stated that she will waive the {$9.00} closing fee and close the card. She assured me that the account would be closed and I would not accrue any interest on this account anymore. 

Fast forward to today, I got an alert from XXXX XXXX stating the account is in arear for non payment. I was shocked that there was a balance and that the account was not closed. 

I called and spoke to Multiple Supervisors and they are unwilling to assist me and have been very rude. 

This has affected my credit score and after I made the initial call, they reported me again, I found my account to still be open with a balance that was double the amount and my credit score dipped more. 

This account was fully paid off in XXXX and should have been closed since then. 

You can reference XXXX XXXX at Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, For 3 weeks now Experian has been reporting incorrect utilization on my report. With a number thats not even possible - 337 % Utilization ( please see attached doc ). Theres no such a thing, as 337 % Utilization. It should be 25 %. XXXX and XXXX  is reporting quickly. But Experian doesnt it and it make it difficult to dispute anything

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 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi has refused to refund Thank You rewards points for an airline ticket purchased thru their program. I used XXXX Citi Thank You rewards points to book a flight on XXXX XXXX. My ticket was purchased with points on XX/XX/2020, and the flights were s subsequently cancelled by XXXX. To date, I've yet to receive a reinstatement of the Thank You points from Citibank. I have called the Citi Thank You point help center multiple times only to be told that the travel agency can not do anything, and that it is up to the airline to issue the refund, even though I did not purchase the ticket with the airline, rather I purchased it using Citi Thank You rewards.

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 2020-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for Unemployment back in XXXX, due to the pandemic. I was receiving my normal payments through my Bank of America EDD prepaid card. However, in XX/XX/2020, I noticed some fraudulent charges that were made to my account. These charges were made in Florida ( I reside in California ) for the amount of {$3600.00}. I called BOA EDD offices, and filed a claim. I received the amount of {$3600.00} back into my account. However, in XX/XX/2020, I noticed that that money was missing from my account again. I called Bank of America EDD office, and they told me that they came to the conclusion that it was me who made those purchase in Florida, so they had to remove that money from my account. I filed multiple claims after that, I requested copies of the documents that they relied on to make this decision, and I never received anything from them. I sent them letters, my identify theft report, I sent them a copy of the emails the I sent out to XXXX, since the incident happened out there. I have yet not heard back from Bank of America. I have received multiple letters from them stating that " they have completed the review an no error occurred in the instance, the claim has been resolved. '' My claim has not been resolved! I did not make those purchases. I feel like Bank of America is not taken this matter seriously, and it's quite frustrating because I am still depending on that money. 
Thank you for you time and consideration. I really hope you can help me solve this matter

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 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My name is XXXX and I am writing in high hopes that you will be able to help resolve a very concerning fraud claim that TD bank has failed to resolve the first time. I filed a claim on XX/XX/XXXX after I had been a victim of fraud. To my utter surprise, my claim was denied. I am disturbed that TD bank would reject a claim that has fraud written all over it and is of no fault of my own. I am also shocked that TD bank would reject this claim during this challenging time in our world and also since I have been a loyal TD customer for years. I submitted a second claim tonight, XX/XX/XXXX and plan to bring evidence ( screenshots of text messages between me and the hacker ) of this fraudulent situation to my local TD branch. Below is an outline of exactly what happened on XX/XX/XXXX. 

I received a text message from the TD Bank Fraud protection department asking if I recognized a charge on my card, which I did not. I called TD bank immediately, and as I was calling, received a call from the exact same TD bank XXXX ( XXXX ) XXXX number. Assuming it was fraud checking in with me, I answered. They sent me a verification code via text to ensure it was a TD representative ( with the exact number and wording that TD bank uses ). After this, they promised to reverse the funds that had been taken out of my account and asked me to type Y for yes to verify the " reversal funds to get the stolen money back into my account. Apparently I have been told by the bank that this was done on an app called XXXX and I had no idea what XXXX even is because I have never used or heard of XXXX in my life. Its shocking to me that these transactions have been processed without my authorization and that the bank is not there to protect me. I never at any point authorized anyone, including myself, to use XXXX with this account and was never notified by the bank that XXXX was being used with my account. 

The claim was at first denied because I had authorized this transaction, but it is clear that I was a victim of fraud since the hacker had so well impersonated TD bank. I am disappointed and disgusted that XXXX was taken from me and that TD bank claimed that I had willingly verified the charges when in fact I had blatantly been tricked and a victim to fraud due to the exact TD bank phone number and wording of the messages. 

TD bank has been awful in helping me resolve this problem - I have gotten little to no support or empathy for the loss of XXXX. I filed a police report and have another claim in, and I am hoping that you will be able to help resolve this case. 

I appreciate your time and consideration and look forward to hearing from you. 

Warmly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I opened a predatory Credit Card with XXXX back in XXXX of XXXX. In XXXX of XXXX I fully paid the card off and requested for the card to be closed. 

I spoke with a XXXX XXXX who stated that she will waive the {$9.00} closing fee and close the card. She assured me that the account would be closed and I would not accrue any interest on this account anymore. 

Fast forward to today, I got an alert from XXXX XXXX stating the account is in arear for non payment. I was shocked that there was a balance and that the account was not closed. 

I called and spoke to Multiple Supervisors and they are unwilling to assist me and have been very rude. 

This has affected my credit score and after I made the initial call, they reported me again, I found my account to still be open with a balance that was double the amount and my credit score dipped more. 

This account was fully paid off in XXXX and should have been closed since then. 

You can reference XXXX XXXX at 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 2020-12-02 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: NY

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to Experian about unauthorized inquiries made to my credit file. It is now XX/XX/2020 and I have not received any dispute investigation results from this company.

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 2020-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL 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 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: GA

Complaint narrative:
Recently, a collection agency named Avante XXXX started reporting two medical collections on my credit report. Both accounts are for {$790.00} each. Prior to these accounts appearing on my credit report, I received no notice from Avante XXXX whatsoever. And I have health insurance, so this just doesn't make sense. Back in XXXX, I wrote a letter to Avante XXXX, and asked for some more information about the accounts so I could cross-reference these bills with my health-care provider. I requested to know who the medical facility was, the date of service that created the bills, and what dates the services were performed. Despite my request for this information well over a month ago, Avante XXXX has not provided to me. However, they continue to report the unverified collection accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AZ

Complaint narrative:
Rausch Sturm filed a lawsuit to collect on a fraudulent debt. They had been notified repeatedly that this debt fraudulent yet they continued knowing that they lacked the evidence to substantiate the debt in court. This is part of a larger scheme by XXXX XXXX XXXX XXXX which uses various law firms around the country like XXXX XXXX XXXX  XXXX ( which has finally been driven out of business ) and XXXX XXXX XXXX XXXX to harass and threaten American Citizens for fraudulent debts that exist only on spreadsheets and in purchase agreements between dishonest creditors, XXXX XXXX XXXX and the dishonest law firms they hire. 

This is a plain and simple violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p. In the present case there is a specifi violation of 812. " Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1692k In this case, Rausch and Sturm falsely claimed that they were suing on behalf of XXXX. In fact, XXXX had acknowledged that the debt was fraudulent in 2019 and claimed that XXXX XXXX had been notified.

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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2020 I received dispute results from Experian. On this report it stated the name " XXXX XXXX '' was " DELETED ''. As of today the name still remains along with another name that I disputed to be removed. I contacted Experian on XX/XX/2020 with my last efforts to remove the inaccurate information from my report. I spoke with XXXX ( Team XXXX ) and I also spoke with XXXX ( Team XXXX ). XXXX was the supervisor who I asked to speak with, she basically told me it would remain on my report even though it states that it was deleted. This is a blatant violation of my rights under FRCA and negligent enablement of identity thief.

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 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX, I called Citi to cancel my account. Citi claims that they were unable to verify my identify ( despite me providing my security word, and other information ) and refused to close 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