vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i saw inquiries on my credit report that i don't recognize, i sent mail to the three credit bureau on XX/XX/2020, to fix the problem. 
XX/XX/XXXX still didn't answer back to me. 
Equifax and XXXX  answer back telling that nothing was wrong the inquiries but was able to show me the prove that I initiate the inquiries. 
No documents, no email, nothing!!! 
this situation cause me prejudice, i try to buy a house and all these false inquiries on my credit report make my credit score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
As a XXXX, XX/XX/XXXX single mom of a XX/XX/XXXX hospitalized with a XX/XX/XXXX XXXX, Mother begs American Express XXXX AMEX XXXX to immediately cease and desist from AMEX unauthorized attempts to repeatedly contact an innocent, ill daughter. Nurses and physicians have asked that Mother stop AMEX harassing calls that are causing dangerous and needless stress to a hospitalized child. Mother authorized her child only as " user '' of Mother 's AMEX credit card ; child is not and never was either a co-signor or financially responsible party. 

Because of California COVID stay-at-home orders, Mother has not been able to earn income for over one year and now has exhausted all life savings. 
Before COVID came to California in XX/XX/2019, Mother successfully served the hospitality industry for the entire state of California -- an industry now itself fully destroyed after one year of the coronavirus pandemic. 

Last year after COVID came to California, new U.S. COVID-related immigration restrictions also banned foreigners from entering the U.S. These federal restrictions prevented Mother 's loyal following of international hospitality investors from entering the U.S. to acquire California hotels and, as a result, prevented Mother from earning income. 

Though never before a cardiac victim but only since COVID-19 came to California, Mother suffered three different XXXX XXXX and XX/XX/XXXX XX/XX/XXXXand then further was diagnosed with XX/XX/XXXXXXXX ( liquid in the XXXX XXXX. As an XX/XX/XXXX, Mother no longer can afford to buy insulin to stay alive and soon will be without phone and Internet since she also can not pay past-due bills. 

Hospitalists, physicians, nurses and daughter in XXXX all have reported XXXX AMEX phone harassment. Mother demands that AMEX immediately cease and desist contacting a XX/XX/XXXX regarding AMEX accounts belonging solely to XXXX. 

Mother 's former California Attorney was sued by Mother/Plaintiff ( California Superior Court Case # XXXX ). Attorney still owes Mother Settlement of {>= $1,000,000}. Mother authorizes AMEX to contact Attorney at : Per the State Bar of California : License # XXXX License Status : Active Address : Law Office XX/XX/XXXXXXXX, # XXXX, XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I started disputing my personal information on XX/XX/XXXX - XX/XX/XXXX, I've been sending letters and now there are addresses that I have no knowledge of or no access to. These addresses are still being reported on my XX/XX/XXXXcredit report and affecting my credit history. XX/XX/XXXX has closed each dispute attempt with the same outcome, the invalid information is still being reported today as of XX/XX/XXXX. This has really affected my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive spent 6+ letters to the bureaus to correct late payments, information on my credit report and to open disputes on inquiries and accounts and nothing on my credit report has updated or shown an open dispute

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 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Dear sirs : I applied for a Citibank AAdvantage Mastercard ( ending in XXXX ) while purchasing XX/XX/XXXX tickets online ( on the XXXX XXXX website ) on XX/XX/XXXX. The only reason I signed up for the card was so that I could receive a credit ( {$250.00} ) on the tickets I was purchasing. After being approved for the card, I was not able to ever utilize the card to purchase the tickets. Citibank did not make it possible for me to use the card, and receive the bonus they were offering when signing up. 

The Citibank AAdvantage offer reads like this : " New cardmembers can also receive up to a {$250.00} statement credit on eligible XXXX XXXX purchases ''. In order to purchase the tickets in a timely fashion ( due to a good price ) I had to utilize another credit card, as I had not received the physical Citibank AAdvantage card yet and they would not provide me with the number of the new card so that I could make the purchase on the XXXX XXXX website. 

I contacted Citibank and XXXX XXXX on 6-8 occasions in the ensuing days in an attempt to utilize the Citibank AAdvantage card to make the purchase, but I could not make any headway. I was very frustrated by the customer service experienced by Citibank, who couldn't seem to understand how to help me. Complicating matters were the out of country customer service, and being given conflicting and incorrect information by the Citibank customer service representatives. 

Thank you for looking into this, XXXX 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 2021-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I suspect that I am being XXXX or have been ) overcharged for my private student loan, originally received from Citibank. Some of the loans were sold to XXXX XXXX " loans 20-21 ' ) and I have paid those off. According to Citi, they also may have sold some loans XXXX or deferred them for servicing XXXX to XX/XX/XXXX( " loan XXXX '' ), account number XXXX. I would like to obtain the statements and supporting documentation for loans 20 through 22, including promissory note, from Citi, to verify that they didn't sell my loans twice, and if not, that I am not being overcharged for my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive spent 6+ letters to the bureaus to correct late payments, information on my credit report and to open disputes on inquiries and accounts and nothing on my credit report has updated or shown an open dispute

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 2021-01-24 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: CA

Complaint narrative:
Ive spent 6+ letters to the bureaus to correct late payments, information on my credit report and to open disputes on inquiries and accounts and nothing on my credit report has updated or shown an open dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Unknowingly, I was involved in fraud with XX/XX/XXXX in 2018. XX/XX/XXXX was sued by the Attorney General 's office of Minnesota and the FTC and lost. In XX/XX/2018, when I became involved with XX/XX/XXXX, they encouraged me to open credit cards. I have now have credit debt I can not pay. My credit score of XXXX is now in the XXXX 's. I disputed all credit cards as soon as the FT closed XX/XX/XXXX in XX/XX/2018. The credit card companies denied my disputes. I want some guidance on if I am financially obligated to pay for fraud charges I never authorized or if I should file bankruptcy. I just don't feel like I should be held responsible to pay thousands in fraudulent charges that I never authorized.

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 2021-01-24 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: FL

Complaint narrative:
I wrote the company and I just reread the information in writing and they still asked me to send an ID and Social Security card but the information got deleted from XXXX XXXX and XXXX XXXX XX/XX/XXXX which is wrong we have fresh finger hair in I also sent the company a police report on explaining that it was identity theft and from an individual with the same common name because my name is a very common name in XX/XX/XXXX on XXXX  XXXX XXXX was removed andXXXX XXXX, 2021 XXXX XXXX XXXX XXXX was deleted from XXXX XXXX and also XXXX XXXX home in the file idea XXXX I would like a update To my credit profile and delete the incorrect information that can not be verified my signature on it youre not at itemization data sheet

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 2021-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I sent letters to the consumer credit reporting bureaus regarding inaccurate and unknown information on my consumer credit reports. I have not yet received a response even though it has been over 30 days. I feel as if I'm being taken advantage of and my disputes are being ignored. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, my reputation and creditworthiness are being damaged. Section 611 ( a ) ( 5 ) ( A ) ( i ) in the FCRA clearly states that a failure to investigate the items being disputed within 30 days and provide the information I have requested gives reason to immediately remove those items from my credit report. It is now over 30 days and the items in question should be promptly deleted from my credit report. I demand that these erroneous items are deleted immediately from my credit reports or I will file for litigation due to the stress that I have endured and their failure to comply with the FCRA. My information has been impacted by the XXXX  data breach.

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 2021-01-24 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: OH

Complaint narrative:
I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 41 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: FL

Complaint narrative:
I wrote the company and I just reread the information in writing and they still asked me to send an ID and Social Security card but the information got deleted from XXXX XXXX and XXXX XXXX XX/XX/XXXX which is wrong we have fresh finger hair in I also sent the company a police report on explaining that it was identity theft and from an individual with the same common name because my name is a very common name in XX/XX/XXXX on XXXX  XXXX XXXX was removed andXXXX XXXX, 2021 XXXX XXXX XXXX XXXX was deleted from XXXX XXXX and also aqua fax home in the file idea XXXX I would like a update To my credit profile and delete the incorrect information that can not be verified my signature on it youre not at itemization data sheet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I referred someone to Coinbase using my referral link and he signed up for Coinbase. Coinbase 's referral program states that if you refer someone using that link and they buy/sell $ XXXX, the referrer will receive {$10.00} in Bitcoin . The person I referred completed the necessary verification steps ( verified his account with identification, bought over {$100.00} in cryptocurrency ) to get a {$5.00} sign up bonus and never received his credit, nor did I. I reached out to Coinbase on XX/XX/2021 to inquire why I never received my credit and did not receive a response regarding this specific issue until XX/XX/2021 in which they told me, " Our referral program is fully automated. Note that we are unable to manually review or credit any referrals that are not automatically paid out. We are unable to provide specific information as to why any referrals may have been deemed ineligible '' and then listed the common reasons a referral bonus would not be paid ( " account was created but not completed or verified '', or that " the account has not fully completed a purchase up to {$100.00} worth of digital currency '' ) neither of which apply to my situation. Coinbase also elaborated in a second email that a referral might be deemed ineligible due to shared finances - when I asked them to clarify what this meant, I never received a reply. Moreover, on XX/XX/2021, I also asked for a link to their Terms & Conditions that explains referral terms and received no response. It is unacceptable to tell a customer that an issue like this can not be manually reviewed. How does Coinbase know their referral system is working and more importantly, how does the customer know that Coinbase is exhibiting integrity in their referral program rather than defrauding customers?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-24 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: IL

Complaint narrative:
My date of birth is incorrect on my credit file. I have sent several dispute letters to be corrected and called Equifax directly as well. I have sent in several request to the credit reporting agncies since XX/XX/2020. They notified me via phone that date of birth would be correct within 48 hours but has been more than 2 weeks and nothing been updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: TX

Complaint narrative:
I filed a dispute with XXXX, Equifax and XXXX  regarding an erroneous item being placed upon my credit report by XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  XXXX  XXXX in early XXXX of 2020 to make them aware that an item from them was being reported to my credit file with XXXX, Equifax and XXXX  and that someone had opened an account unlawfully with them under my name. They sent me an affidavit which I returned to them, they said they would remove the item from my credit report. They obviously lied about this, I then sent notices of dispute to XXXX, Equifax and XXXX  requesting specific documentation regarding the debt. I requested a dispute under Section 609, 611 FCRA which requires an investigation into the claim and required XXXX XXXX XXXX XXXX to provide to me certain documentation. They once again refused to do so and were not required to by XXXX, Equifax and XXXX  despite the requirements under Section 609, 611 FCRA. I am attaching to my complaint my notice to XXXX, Equifax and XXXX  as well as a recent letter from XXXX XXXX XXXX XXXX  to me that came ripped and replete of any of the required documentation under Section 609, 611. I am also attaching a notice of a lawsuit filed by the FTC against XXXX for the very same misconduct bring engaged in by XXXX XXXX XXXX XXXX. Additionally, I am attaching a copy of an Attorney General of Texas complaint filed against XXXX XXXX XXXX XXXX since the CFPB did not accept my complaint against XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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:
I sent a dispute to XXXX On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

They sent a response saying the information was updated but still is inaccurate. 

These accounts have the same exact date, open date and payments history with different High balances. Causing duplicate negative remarks. 

This account is still inaccurately reporting late payments. In your account history there is no amount past due showing on the payment history. With your report only starting the report on XX/XX/XXXX with 90 days late and XX/XX/XXXX 120 day XX/XX/XXXX 120 days with missing history form XX/XX/XXXX to XX/XX/XXXX until you start reporting again XX/XX/XXXX 90 days late. Why are you reporting 90 days late 8 times with incomplete account history? This information is inaccurate and would like you to please remove this inaccurate account or update all the late payments being reported on this account immediately. 

Showing 47 months received but only have 8 on your account history. 

I have attached copies of the letters I have sent, their response and how it appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX my bill for account TOYOTA MOTOR LEASING ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have noticed a late fee on my Capital One credit card account and I have contacted Capital One to waive the fee due to Covid-19 and being unemployed. I called on XX/XX/2021 for a late fee applied on the payment due of XX/XX/XXXX, XXXX have spoken to several Customer Services including the Supervisor and they were very unhelpful.. I am currently unemployed due to Covid-19 and the benefits have been delayed therefore, I was not able to pay on time the credit card. 
All the Customer Services including their Supervisors are ignoring the pandemic situation which created difficult times especially for the unemployed people. I felt like it's my fault that I am unemployed ... There're no sympathy on their side ... It is totally a poor customer service..

Company response to consumer: Closed with monetary relief