vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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: NH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding innacurate and unverifiable things on my credit report. Til this day over 30 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 is stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from  my credit report. XXXX XXXX has removed the bankruptcy already, and that is who you said you verified with. I demand these items be removed or I will have to take further action and file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: PA

Complaint narrative:
I initiated disputes for the following accounts appearing on my Equifax File due to inaccuracies and incomplete information. These accounts have also been redisputed.

The inaccurate information was taken directly from my Equifax File. Equifax has concluded investigations with reinserting the accounts with the same missing and inaccurate information. 

- XXXX XXXX XXXX # XXXX - reporting inaccurate information. 
- XXXX XXXX # XXXX - missing information ; date of last activity, credit limit, high credit limit. Account consistently reporting missing information in spite of repeated requests to investigate or remove from my file. 
- XXXX XXXX # XXXX - date closed is missing, credit limit is inaccurate. High credit limit missing. Equifax would not validate or remove as per

FCRA 611. These dispute results are being sent back to me as verified as accurate with no update or proper solution that is required under Federal Law ( Fair Credit Reporting Act ( FCRA, sect 611 ( 5 ) ( a ) ( 1 ). Federal Law requires that if the information is unverifiable, inaccurate or incomplete, it must " promptly be removed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I had a hard inquiry on my credit a month ago without my knowledge or consent. US SM BUS ADMIN ODA This was the company. My assumption is that this is an attempt at identity theft and someone is trying to open a small business loan related to covid relief funds in my name.

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 2020-09-15 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I called American Express serve card on XX/XX/XXXX informing the customer service professional and account security fraud department that I was having trouble accessing my online account due to the fact the security 6 digit code thingy kept coming in slow and everytime I try to resend another code a new code will come an it wont work then lock me out my account then I lost my card and I was trying to transfer money to an sub account until my primary account card come through the mail. But I have spoken to 5 different customer service representative they were all rude and disrespectful on the phone. They hung up in my face when Im trying to resolve my account I had verified my account and also my pin code and still locked out of my account. I ask to speak to an supervisor and everytime I ask they hang up and when I call back they put the phone on hold for 2 or 3 seconds an impersonate as a supervisor an still no help. I ask to get corporate number to make an complaint I was told they do not have a corporate email them. I just want to be able t no access my funds I have a XXXX XXXX  daughter and I cant get her the things shes need because I cant access my money and the run around about unlocking my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not 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
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently had a payoff amount made to Bank of America during refinance of my mortgage. 

I accidentally paid an extra month of payments in the amount of {$4300.00} on XX/XX/2020. 

After completing my refinance with different bank I realized my mistake and contacted Bank of America on XX/XX/2020. They told me it would take 24-48 hours to transfer the funds back into my checking account. I provided them with my bank account information.

I contacted them again at the end of the week. Each time contacting them as 90 minutes on hold on the phone. 

I was assigned a case number XXXX and told again another 24-48 hours. I was contacted by a supervisor on XX/XX/2020 who told me it was still in process and that we was again escalating my case. 

As of XX/XX/2020 it has now been 2 weeks after being told it was going to be 24-48 hours and B of A has not given me my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: NV

Complaint narrative:
Didn't understand answer they gave me on first complaint number XXXX which was closed. Saying couldn't comment because it was in litigation. 
I forget to mention on the summons there was not an account number. 
I was told they had to give an account number. Do I have any legal rights since there Was no account number the summons?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Good evening, Since Citi arbitrarily closed my accounts while acknowledging I'd done nothing to violate the terms of service, I've been subjected to a number of fees I should not have been assessed. Attempts to address this over the phone have been met with refractory and snide customer-service representatives telling me they can not reverse the fees, which is an outright lie. I would like the following reversed : -Citi Premier late fee XXXX {$25.00} -Citi Premier Interest on the same XXXX {$2.00} -AA membership fee XX/XX/13 {$99.00} ( why am I being assessed a fee when my account is closed? ) -AA {$15.00} late fee XX/XX/13 -AA {$1.00} interest on the same XX/XX/13 I'd also like to be paid out the {$19.00} negative balance on my DoubleCash card Total = {$160.00} Thank you, 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 non-monetary relief
Consumer complaint received 2020-09-15 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not 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
Consumer complaint received 2020-09-15 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have been looking for a savings account with good rates to put my money for a while, and stumbled upon Citibank accelerated savings account, so I opted to open an account through their mobile app, since I already have a credit card from Citi. 
* On XX/XX/2020 I opened the new account and received a welcome email from Citi to go ahead and deposit funds * On the same day ( XX/XX/2020 ) I deposited {$5000.00} into the savings account * The following day, XX/XX/2020, I logged in to check that the funds were deposited successfully. 
* To my surprise, my account has been frozen * after several calls to customer service, I realized that the account was frozen due to fraud alert * after calling the fraud department, I understood that they had an alert for fraud activity in the account so they froze it. 
* They say that I need to go to a Citi branch and verify my identity * here is the problem : I live in Washington state. There is no Citi branch in Washington state. The nearest branch is in California, a couple of hours flight from my location. Citi has no solution for me, especially in the current situation with covid-19. They are holding my {$5000.00} with no way for me to retrieve them until I authenticate my identity in their out-of-my-state branch. So bad!

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
cant not get my addressed changed so i can recive my card they keep sending it to the wrong adress

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018, After reaching out to Best Buy Credit Services dispute department. Best Buy Credit Services notified me that I am getting a credit to my account in the amount of {$2300.00} within 2 billing cycles for a cancellation of a Auto extended warranty from a  company called XXXX XXXX XXXX XXXX which I purchased earlier using Best Buy Visa. 
Instead of receiving my credit amount of {$2300.00} which was promised. Best Buy card continues to bill me with interest despite my continuous effort of reaching out to them. Now Best Buy card is using a collection agency " XXXX XXXX XXXX, XXXX '' to collect {$2900.00} from me.

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 2020-09-15 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: PA

Complaint narrative:
I initiated disputes for the following accounts appearing on my Equifax File due to inaccuracies and incomplete information. These accounts have also been redisputed.

The inaccurate information was taken directly from my Equifax File. Equifax has concluded investigations with reinserting the accounts with the same missing and inaccurate information. 

- XXXX XXXX XXXX # XXXX - reporting inaccurate information. 
- XXXX XXXX # XXXX - missing information ; date of last activity, credit limit, high credit limit. Account consistently reporting missing information in spite of repeated requests to investigate or remove from my file. 
- XXXX XXXX # XXXX - date closed is missing, credit limit is inaccurate. High credit limit missing. Equifax would not validate or remove as per FCRA 611.

These dispute results are being sent back to me as verified as accurate with no update or proper solution that is required under Federal Law ( Fair Credit Reporting Act ( FCRA, sect 611 ( 5 ) ( a ) ( 1 ). Federal Law requires that if the information is unverifiable, inaccurate or incomplete, it must " promptly be removed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: FIRST HORIZON BANK
State: NC

Complaint narrative:
I must have co-signed for my daughter in 2015 for a First Horizon Credit card. I do not remember and when she asked she said they do not show me on the account. I have sent an email previously with no response. I keep getting notifications of my credit score being affected by late payments to a credit card I may have co-signed with my daughter five years ago. I have not received one notice of late payments. I had excellent credit prior to this. I would like this taken off my credit report. Through Covid and odd glitches on First Horizons end this account as well as the checking account has gotten really messed up. The account has a hold on it so no online payments have been allowed. Calling the number on the back of the card they tell you to go into a branch. The branch says call the number on the card. My daughter has been given the run around and been charged all kinds of fees she shouldnt have. She has been treated like someone that does not deserve any respect for no other reason than perhaps the fact she does not have a lot of money!? I would like to straighten this out for her. I dont have the account number because she wants to fix this herself but if my name is on the account I should be able to access this to rectify it. This has gone on for months, hopefully someone can help us once and for all. Strangely enough a branch called her in  yesterday asked for her Id and debit card no explanation and dismissed her. It should not be this hard for someone to take your money! Its not even that much that is past due but it has seriously damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Linebarger Goggan Blair & Sampson LLP
State: AZ

Complaint narrative:
the collection agency of XXXX, XXXX, XXXX and XXXX keep calling my phone number for another person. I tried calling the company back to tell them they have the wrong number but I got an automated system. The only option was to make payment which I am not going to do. 
Today 's call was at XXXX XXXX  on XX/XX/20

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA
State: NY

Complaint narrative:
On XX/XX/2020 I submitted a complaint with your agency # XXXX. You submitted the complaint to Yamaha financial services on my behalf. They gave a response and promised to refund the unlawful fees they charged and to contact me to help me set up auto payments. I have not heard from them nor have they refunded my money. They promised to do this in 3-5 days. It has now been almost two weeks. Please help me with this. I am frustrated and I feel they are stealing my money and told you what you wanted to hear but never acted on it. Thank you for all you do and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
So I can't reset my password to go onto myEquifax account as it gives me an error saying that my request can't be done at this time. I tried calling myEquifax to reset my password, but they give me an excuse that the password reset program is down. It has been a month and they still say its down, which is ridiculous at this point. I can't manage my credit freeze, which is a liability for me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was promised a refund of {$1000.00} from a third party vendor, XXXX, for a hotel stay in XXXX, that I cancelled in XXXX due to the pandemic. XXXX did not honor their promise, so I disputed the charge with Capital One. My travel agent sent ample documentation with all the necessary information, per Capital One 's request, on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Capital One saying I would be responsible for the charge because XXXX 's said that I was aware of the " no refund '' policy when I booked and that I refused a voucher. This was not true. My travel agent submitted proof that they offered me a refund but then reneged due to financial trouble. I was NOT offered a voucher. 

I made a series of phone calls to Capital One 's XXXX XXXX, beginning on XX/XX/XXXX, then XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to check the status of my case. Each time I was assured that they received the documentation, that it was complete, and that I'd hear from them soon. I was on the phone an hour this last call on XX/XX/XXXX, and spoke to an agent and a supervisor, who acted like they'd never seen my file. The supervisor offered many excuses as to why my dispute was not settled, and he wanted to review my file on the phone with me -- all 14 pages! ( I do not have the original file ; it is in my agent 's possession. ) He made a decision, after myriad ridiculous excuses, to deny my dispute. His final excuse was that I didn't submit proof that I was not offered a voucher. How on earth can I submit proof of something I do not have? I had, however, submitted a statement to Capital One on XX/XX/XXXX, saying I was not offered a voucher. I felt like I was being given the run around, like this supervisor was looking for every excuse to not honor this dispute, and he was condescending. When I asked who his supervisor one, he said he didn't have one. Outrageous! I will be severing my ties with Capital One 's credit card division in the near future. The customer used to be protected. Not anymore, apparently.

Company response to consumer: Closed with monetary relief