vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Under Federal Law, ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 U. S. Code 1602 ( l ).

This account is associated with my card ( social security card and it identification card and therefore under Federal Credit Reporting Act 15 U. S. Code 1681 ( a ) under the Exclusion section ( b ), any authorized or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer 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 2021-07-13 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Under the FCRA XXXX XXXX, and TransUnion are legally obligated to provide identical information. There are a number of falsely reported accounts showing negatively on my credit report and none of the reporting are identical to each other along with having a large number of inaccuracies. These companies are abusing my rights as a consumer and i demand these negative accounts be removed immediately.

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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Under the FCRA Equifax, XXXX, and XXXX  are legally obligated to provide identical information. There are a number of falsely reported accounts showing negatively on my credit report and none of the reporting are identical to each other along with having a large number of inaccuracies. These companies are abusing my rights as a consumer and i demand these negative accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this date over 42 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it is plainly stated 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 42 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. 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 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a call from someone stating that I owed Providian XXXXXXXX XXXX  and they would like to collect. I knew it had to be a scam because I haven't had a Providian account in over 20 years. I recently bought a house with a FHA loan and there is no way I could have gotten approved with that bad debt. I told the gentleman that he had the wrong information and that my account with Providian was never that high years ago. A few weeks later the collection showed up on my XXXX XXXX report only. I disputed the collection by internet and by phone and both times XXXX XXXX said the debt was valid and it will stay on my credit. No other bureaus or XXXX XXXX has shown a Providian account on my credit good or bad in the last 20 years so how can I prove it's not valid when they say that it is. I am requesting help to have it removed immediately and fine them according to the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
EDD had to verify my identity back in XX/XX/2020. They advised Bank of America to freeze my account until I verify. Ive verified my identity with them on XX/XX/2020. My account is still frozen with $ XXXX still on the card almost one year later. I keep getting the run around with both companies.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2021 Portfolio Recovery Associates at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX updated my credit report with a derogatory mark for a past due amount of {$990.00}. I never opened a account during this pandemic. This account showed up days after I disputed another account. Im not sure if my information has been stolen or portfolio recovery associates are adding accounts because of my dispute. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aurora Financial, LLC
State: MD

Complaint narrative:
Aurora Financial advertised a mortgage rate via XXXX that they did not honor in practice. The XXXX data and the Aurora Financial quote were on the same day and based on identical qualifying criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
To : TJX Companies Synchrony Subject : Credit Bureau Disputes Application Key Code : XXXX REF : XXXX Name : XXXX XXXX Zip Code : XXXX I had a horrible conversation with an agent named XXXX who sounded like she didn't speak XXXX. XXXX # XXXX I called your offices to file a dispute as you have mislead my in relation to the credit application and have without my consent made multiple credit bureau inquiries which I did not give you permission to do. These multiple inquiries have affected my credit score. I am requesting that you cease and desist with these deceptive tactics at the cash register trying to get people to apply. No one ever applies for a card and agrees for two credit bureau inquiries for some rinky dink store credit card. 

You need to remove these inquiries from my credit reports at XXXX  and XXXX  effective immediately or I will be reporting you to the Consumer Financial Protection Bureau as well as the XXXX XXXX XXXX for Fraud and Deceptive Advertising practices related to credit applications. Dodd Frank violations for misleading practices at the cash registers attempting to solicit applicaitons. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has closed all of my accounts without my consent. It includes all of my checking, savings, brokerage and credit card accounts. I have paid everything off on top in full. On top of that, they have not let me withdrawn any of the credit card points that I have earned with them. I have accumulated XXXX points, which is worth at least {$2500.00}.

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 2021-07-13 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 {$1100.00}.

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 ) -- CLOSED ACCOUNT 1. XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I've tried numerous times to work with my mortgage company only to be denied 7 applications for assistance. Now I can't get a call back. I've tried selling and couldn't because they added ridiculous fees making it impossible. They say they sent correspondence. I didn't get anything until I filed a complaint and received everything at once. I have a XXXX XXXX backed loan and this mortgage company is no assistance. They prolong things so that they can file foreclosure and I lose my house. They are scandalous and shouldn't be allowed to service mortgage loans in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, Caine and Weiner contacted me to settle the claimed debt of {$12000.00} to XXXX XXXX XXXX XXXX XXXX ( Document " enotice '' ) via email. With this notice, I was not informed of my right to ask for proof of debt. On XX/XX/XXXX ( XXXX business days ), I responded with my dispute, explanation of the situation, and requested proof of debt. On XX/XX/XXXX, Caine and Weiner representative XXXX acknowledged they would respond with proof. On XX/XX/XXXX, I discovered Caine and Weiner reported my account to XXXX, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX ; one day before contacting me. I requested that this false report be removed. I received no response. 
On XX/XX/XXXX, at XXXX, I contacted Caine and Weiner again as XXXX  days had passed on my request for proof of debt and asked for the removal of my account from all three bureaus as there was no proof of debit as I had explained to them. I received no answer. However, only XXXX  deleted the account from my report. 
On XX/XX/XXXX, I contacted XXXX at Caine and Weiner again to remove my account with the false claim from my credit report from XXXX, XXXX, and XXXX  Credit Bureaus. 
On XX/XX/XXXX, XXXX responded that he would further contact the original creditor for information to validate my debt. 
On the same day, I let XXXX know that I had already requested the proof of debit and I was only contacting him to remove the false debt from my credit report on XXXX, and XXXX as 30 days had already passed. I then let him know that I was aware of my rights under the XXXX Fair Debt Collection Practices Act ( FDCPA ). 
Immediately after this, on the same day, XXXX from Caine and Weiner responded that they had mailed me the letter on XX/XX/XXXX, to which I replied was a lie because I had no mailed contact with them. All my conversations and interactions with them were via email. In addition, he had just responded earlier in the day that he was still reaching out to the original purport creditor XXXX XXXX XXXX XXXX. Thus, if he was still reaching out to this creditor, how could he have sent me any proof of debt on XX/XX/XXXX? It was very clear the representative from Caine and Weiner was lying and working under false pretenses to not remove this false report with the two credit bureaus.

I have now disputed the debt directly with XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was contacted regarding a used couch I was selling online for {$100.00}. The person told me that someone else would email me with information on how I would get paid for the couch. In the email, they sent me a cashiers check for {$1700.00} and instructed me to XXXX them the change. I waited a day and when it was clear that the check had cleared, I didn't see how anything could go wrong and sent them the change through XXXX. Two days later, the bank rejected the check and took back all the money as well as charging me a XXXX dollar fee. 

The name on the XXXX account was XXXX, and the email address was : 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 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I opened a bank account with navy federal and within 30 days a credit card was set up with a person I do not know as a authorized user. Navy federal doesnt car and wont tell me if my social or my daughters is at risk we both got accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: GA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2021 I was trying to complete a purchase online when CITI sent me a text alert that my card was frozen and I had to call their fraud department. On the first call the lady told me their system is down for maintenance and she can't unfreeze it which is ridiculous! How do you freeze a consumers card with no way to unfreeze it?! I asked to speak with a supervisor and she hung up on me! Called back in got another rude gentleman who did the same XXXX when I asked to speak with a supervisor, and tried to refuse to provide an employee ID # or reference for the phone call. Then instead of the supervisor taking the call she was just telling him what to say to call back at XXXX!!! For a card that charges an annual fee it's not worth the XXXX poor customer service. I will be canceling this card.

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 2021-07-13 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Case ID : XXXX with Citi dispute. 

Dear Sir / Madam, I am writing to dispute a charge of {$2700.00} to my Citi credit card account ending XXXX on XX/XX/XXXX. 
The charge was a different payment for the same charges because the initial charge was on an old Citi card ending XXXX that I used to purchase the ticket on XX/XX/XXXX. 
I purchased the initial ticket from XXXX XXXX on line directly on XX/XX/XXXX for an overseas trip scheduled on XX/XX/XXXX, XXXX.Months after I purchased the ticket Citi found suspicious activities so my Citi card ending XXXX was cancelled and a new card ending XXXX was issued. On the day of my trip when I arrived at XXXX counter the lady at the check-in desk refuse to honor the ticket because the new Citi card number did not match the card number I used to purchase the initial ticket. She re-charged my new credit card on XX/XX/XXXX in order to match the ticket with the credit card. She was supposed to refund initial amount to my credit card but that did not happen. 
I could not find any records that Citi credited my account with an amount of XXXX dollars for the bill I paid from the XX/XX/XXXX charge.. I was able to find my initial purchase statement on XX/XX/XXXX on line, as well as my hard cover statement. 

I wrote to Citi and exlpained in detail what had happened and mentioned that I was able to pull last year XX/XX/XXXX statement on line at Citi bank site when I logged into my account on XX/XX/XXXX. After my email to Citi the statement on line for the purchase was deleted and can not see it anymore but luckily I downloaded a copy to a spread sheet and I have the original hard copy statement. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement .Below are the credit card transaction I pulled from Citi bank account on line to prove my case. 
Initial charge : Cleared XXXX XXXX  XXXX : XXXX XXXX XXXX Initial Ticket Purchase on XX/XX/XXXX with old Ci # credit card ending XXXX XXXX  DEPART:XX/XX/XXXX XXXX TO XXXX  : DL : CLASS XXXX XXXX : STOP : O TO XXXX : DL : CLASS : Z : STOP : TO XXXX : DL : CLASS XXXX Z : STOP : X TO XXXX : DL : CLASS : XXXX : STOP : Another charge : Cleared XXXX XXXX XXXX FLNAME : XXXX XXXX DEPARTXXXX XXXX TO XXXX : DL : CLASS : Z : STOP : O TO XXXX  : DL : CLASS : Z : STOP : TO XXXX : DL : CLASS : Z : STOP : X TO XXXX : XXXX : CLASS : Z : STOP : X XXXXXXXX XXXX Second charge by XXXX XXXXn XX/XX/XXXX on the day of departure due to credit card change with new number ending 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 2021-07-13 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: NJ

Complaint narrative:
I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, and Equifax have not removed the mentioned items on the FTC Report. Once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation