vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In the month of XX/XX/2021 my father expired due to XXXX, mom had a prolonged illness due to XXXX ( spanning XXXX and XXXX ). My daughter was born on XXXX XXXX 2021. Due to all these personal issues I was overwhelmed and forgot to make payments to the tune of some $ XXXX. Even though my other credit cards with autopay had been paid every time in full upto the tune of $ XXXX. This suggests my good financial condition. I requested XXXX to take note of this overwhelming situation and help in pardoning one off late payment. But they simply refused. XXXX has destroyed many families and put lot of people in stress. Taking note of this situation I would plead to your esteemed office to help remove the late payment from my credit report as it is adversely affecting 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 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have Barclays US credit card ( Uber cobrand Visa card ) that has been enrolled in autopay for full balance since inception. 

For the payment due XX/XX/2021, Barclays ' autopay system broke down and did not make the auto payment, and charged me a late fee as a result.

I spoke to Barclays US and they confirmed that they have a computer problem in their autopay system, and that many cardholders who were supposed to have had their payments made automatically were not completed due to their own error. They said that all of these people have been charged late fees automatically by the computer and to get the fee reversed they would have to call in.

I did call in and have the fee reversed, but clearly there are many people who are going to miss this erroneous fee, and late fees are reported to the credit bureaus which could impact some cardholders ' credit scores. 

This type of malfeasance is approaching the XXXX XXXX scandals and I believe the CFPB should fully investigate Barclays ' fraudulent late fee charges.

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: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check into my checking account on XX/XX/2021 a check received as a death benefit claim for my mother XXXX XXXX. 
Chase froze my account stating that they could not verify my check after multiple phone calls with chase representatives informing me that they were returning the check because they couldnt verify the information I called XXXX XXXX XXXX company the insurer of the check and they immediately informed me that chase had cashed the check on XX/XX/2021 I then called chase again and they stated that I needed to fill a claim and dispute the check in order to receive the funds. I called and they said I could not do that. I called chase deposit review team again they stated that I needed to have XXXX XXXX XXXX  recall the check. I called XXXX XXXX XXXX and they said they could not do that because chase cashed the check and have the funds. I called again to clarify whats the real problem because I have no problem calling XXXX XXXX XXXX but chase indicated that they cant get a hold of anyone to verify the check. 
I called chase again today and spoke with a manager named XXXX from XXXX Ohio and he stated the same thing they cant verify the check I told him that they verify my brothers check within two days and we have the same check same amount insured by the same company and he was like they keep getting a voicemail this is absolutely ridiculous and unfair practices! I have been on the phone hours and days to resolve this problem! 
I have all the documentation that proves this check belongs to me as submitted below.

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 was paid
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Both XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ) were claiming to own the debt in the amount of XXXX. 

TrueAccord ( XXXX ) has been trying to contact me and verified they were the debt holders so on XX/XX/2021 I paid the amount in full and they verified this debt has been paid. 

I tried to dispute the debt with trident asset management and they are claiming its still owed and refuses to remove their claim on my collections account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In XXXX of 2021 i was contacted by paypal that there where limitations on my due to me using a friends debit card when i lost mine. At that time i was informed that my money would be held for 180 days then it would be released to me for withdrawal and my account would be closed. From my understanding the 180 days would be over at the end of XX/XX/2021. Since XXXX i have been trying to withdraw the funds in my account and close it. I am still unable to withdraw my funds and still can't use my account. I have contacted them on several different occasions with the results staying the same.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

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: NY

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Equifax via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX ), and I asked Equifax to delete or remove 2 negative accounts from my Equifax credit report because these accounts were reporting inaccurate information and in violation. A ) XXXX XXXX ( collection account ) is reporting 120 Days Late. B ) XXXX  ( charge-off account ) Date of Last Payment is inaccurate across Equifax XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XX/XX/XXXX . Almost three weeks later Equifax responded that XXXX XXXX was not reporting to my Equifax credit report and XXXX  account was accurate. Both answers were incorrect which means that Equifax is NOT investigating my disputes. 

On XX/XX/XXXX after I received the " dispute results '' from Equifax I sent a second dispute letter via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX ), disputing the same accounts that I disputed on XX/XX/XXXX, this time I disputed that XXXX XXXX ( collection account ) is reporting {$3000.00} Past Due, Late Payment and 120 Days Past Due. XXXX ( charge-off account ) was reopen in XX/XX/XXXX because the payment history shows OK under the Equifax payment history, and this account continues open on today XX/XX/XXXX. XXXX  account is missing the required notice of dispute and that means that Equifax is not investigating my disputes. 

Equifax responded to my second dispute stating that both accounts were accurate. 
I want that Equifax delete these inaccurate accounts from my credit report ASAP.

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: FL

Complaint narrative:
On XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX FOR {$14000.00}, XXXX/XXXX XXXX  opened XX/XX/XXXX XXXX FOR {$0.00} XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} , XXXX opened XX/XX/XXXX XXXX {$4900.00}, XXXX  XXXX  XXXX opened XX/XX/XXXX XXXX FOR {$14000.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA , under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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: FL

Complaint narrative:
On XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX  XXXX  XXXX  opened XX/XX/XXXX XXXX FOR {$14000.00}, XXXX/XXXX  XXXX  opened XX/XX/XXXX XXXX FOR {$0.00} XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} XXXX XXXX opened XX/XX/XXXX XXXX {$4900.00}, XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX FOR {$14000.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA , under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

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 prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: WA

Complaint narrative:
Bought this net spend card from XXXX XXXX for XXXX for my daughters school clothes shopping. They would not activate it unless I sent them a copy of my social security card and drivers license. XXXX days later after sending them the information its still doesnt work and a copy of my social security card was not a requirement although their staff told me I had to send 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 2021-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
Hello- Our house had a sewer breakage. We had a plumber repair the damage and recommended a financing option- GreenSky. He said we could pay it over 12 months with ZERO interest. We proceeded and got the loan. 
I have proof that I have been trying to make payments. 
1 ) First payment XX/XX/21. Then it was FAILED and returned to me on XX/XX/XXXX. 
2 ) 2nd time- XX/XX/21. I called this time and explained. Then on XX/XX/21 FAILED and returned to me. Specifically I called and talked to a teller who promised she would process payment. 

This company is fraudulent and rejecting payments to charge interest. I will also file a complaint with the XXXX  but I think one should investigate this company.

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: NC

Complaint narrative:
I have been disputing erroneous information with XXXX, XXXX, and Transunion regarding accounts that were a result of identity theft. I submitted the identity theft affidavit that showed these fraudulent charges happened to accounts that I had. I attached the police report, identification, etc. I have submitted a XXXX Letters and also sent letters for Method of Verification. The only thing that consistently comes back is verified. One credit bureau is actually reporting these accounts in good standing while still stating it's a chargeoff. I have sent copies of the police report. id theft affidavit, state-issued id, all documentation, and only receive credit reports back saying verified or they will ask for the same information all over, The same regarding my personal information. None of the credit bureaus have complied with the FCRA regarding providing me proof and copies of what's in my file regarding these accounts.

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: NC

Complaint narrative:
I have been disputing erroneous information with Equifax, XXXX, and XXXX regarding accounts that were a result of identity theft. I submitted the identity theft affidavit that showed these fraudulent charges happened to accounts that I had. I attached the police report, identification, etc. I have submitted a XXXX Letters and also sent letters for Method of Verification. The only thing that consistently comes back is verified. One credit bureau is actually reporting these accounts in good standing while still stating it's a chargeoff. I have sent copies of the police report. id theft affidavit, state-issued id, all documentation, and only receive credit reports back saying verified or they will ask for the same information all over, The same regarding my personal information. None of the credit bureaus have complied with the FCRA regarding providing me proof and copies of what's in my file regarding these accounts.

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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2021, I was a victim of identity theft. I have an active police report and case open regarding this matter. I noticed a hard inquiry from XXXX on my credit report that I did not authorize. I have already reached out to XXXX ( citi bank ) regarding this matter and they were unwilling to help me resolve it. I am requesting this unauthorized and fraudulent hard inquiry be removed from my XXXX credit report. Last XXXX of XXXX is XXXX. 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 2021-09-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I rented a car from the websight XXXX. They provided me a rental car through XXXX. I prepaid the amount of {$390.00}. * While on vacation in The XXXX XXXX area the car suffered a flat tire. 

I called the Customer assistance number several times over the course of two hours without answer. The car did not come equipped with a jack or spare tire. 
When I finally reached roadside assistance at XXXX they explained COVID created long wait times and to change the tire myself for faster service, then take the car to any XXXX for exchange. Because it was late Saturday/Early Sunday there were no local XXXX locations open. At this point the vacation was over and ruined. 

My only option was to call my roadside assistance and purchase a spare tire for the car. The emergency tire can only go 50 miles. I was more than 300 away from home. The closest XXXX was closed on Sunday. I opted to have the car towed at my expense back to XXXX XXXX ( my home ) and I turned the Car into the XXXX  rental car on XXXX XXXX on Monday night the XXXX. This was the soonest the tow company could schedule. My contract had to be extended one day over through phone through the automated system. It would not allow me to speak with a human. I contacted the manager of the XXXX XXXX XXXX ( I can provide timestamped cell phone records ) who was unhelpful stating there was no after hours drop box. The representative we spoke to earlier made no mention of timing in dropping of the car. Timing was dealt with by the tow company. 
The following witness ( s ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are all responsible parties who can testify to the drop off of the car on the XXXX. 

A few days later I was notified by Chase bank that a fraudulent charge was attempted on my account in the amount of {$2100.00} by XXXX rental car. They closed my account and sent me a new debit card. After receiving a new account number and debit card number, another charge in the amount of {$2100.00} was authorized on my account without my authorization, signature or knowledge. 

A dispute was opened by Mr. XXXX and he was granted temporary credit. However without a chance to explain his side or present witnesses or evidence his dispute was overturned. What car rental is {$2100.00} for three days? Also in confined suspicious activity on XX/XX/XXXX Mr XXXX account was fraudulently charged {$490.00} by XXXX rental car. Mr. XXXX never provided XXXX XXXX rental car with his new account or bank account information. This is the reason we are filing this complaint against Chase who is unlawfully allowing oitside corporations access to the funds of their customers who they are entrusted to secure the finances required for the means of food and shelter.

Company response to consumer: Closed with explanation