vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 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:
Four flights were made pre COVID 3 have been credited and one remaining XXXX {$32.00} flight made same day XX/XX/XXXX as XXXX XXXX XXXX {$33.00} ) still has NOT been credited. 

We are at the home stretch to get back to normal for all charges and credits for SERVICE NOT RENDERED on my account I want to give gratitude to CFPB to help me with Capital One 's attention to this matter after 8 months of communications Thus, I hope I can after 8 months (! ) to get final credit of XXXX {$32.00} plus remaining credit of interest charged {$5.00}. 

Here is breakdown of my analysis : Interest charged : Interest Credits given : XX/XX/XXXX {$8.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$40.00} + XXXX XX/XX/XXXX XXXX Total XXXX XXXX Chargeback and credit remaining : {$510.00} + XXXX due to resolve this matter I have autopay set {$310.00} less XXXX pending resolution of final chargeback plus interest I hope we can close this matter with CFPB help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center
State: NY

Complaint narrative:
I graduated from college in the year of XXXX. My student loan servicer contacted me three months after graduating so I can start making minimum payments. I saw several ads throughout social media about a student loan forgiveness program called premier student loan. I called premier in XX/XX/XXXX and they inform me that I have to pay XXXX for six months in order for me to qualify for the student loan forgiveness program. I paid over XXXX in XXXX. In the XXXX, my payments was reduced to {$20.00} a month. I called premier in XXXX of XXXX to provide my tax return information so I can be reinstated and I got a message saying the premier was a fraudulent company. I would like to Be refunded for the money that I lost.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XXXX XXXX a collection with National Credit Adjuster hit my credit before I was legally allowed to validate the debit. I called the collection agency and was told that the letter of notification was sent on XXXX XXXX to inform me of this debt. Im in the process of closing on a home, so I was advised by my financial counselor to pay the debt, as it would negatively affect my closing. The debt was paid on XXXX XXXX and the funds cleared on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Friday afternoon XX/XX/2020, Citibank unexpectedly closed our two business account with {$130000.00} on deposit. We did nothing wrong. They closed the account without warning, discussion and reason. They told me that any funds would be available after 60 days. I don't understand why our funds are not available immediately. And what does after 60 days mean? Indefinitely? Upon reviewing their terms and conditions their paragraph discussing closing of account only states that upon closing any funds would be paid by bank check. Upon calling the number provided by Citibank letter, XXXX, option 7 we were met with a rude person who explained they would not release any money at this time and them proceeded to hang up the phone on me. Upon visiting the branch manager XXXX XXXX at XXXX XXXX XXXX XXXX she said she was unable to contact anyone and speaking with her was a dead end. So now we have no one to speak with and {$130000.00} on hold. This is creating a financial and legal hardship on us as our clients are waiting for their merchandise which is unavailable without the funds. This was explained to Citibank and was told they were hanging up the phone and the Branch Manager just threw up her arms as though she was surrendering. Please take action as this should never happen to anyone. Yet I am seeing this behavior as the usual course of action by banks. Our phone number is XXXX XXXX XXXX XXXX. Our email 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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
Contacted XX/XX/XXXX on XXXX XXXX discovered account balance on Paid account listed over XXXX dollars. Tried to file dispute and was blocked from filing dispute on the account. 

I also tried with Transunion via XXXX XXXX of which I am a member and they have added information to my account access as to who is my grandfather and asking for his first name. I have never given this information and once again feel my private non public information is compromised via a third party source. I am XXXX years old and know who my grandparents were. They had or have nothing to do with my financial life. 

I subsequently contacted XX/XX/XXXX XXXX regarding this matter and they sent me a letter noting I owed nothing on this account RE : Case Number XXXX phone Number XXXX. Finally I am tired of having to disclose any personal private public or any familial information regarding my finances. I realize that you are not in a position to offer legal advice, however is this a matter I can take up with an attorney since these agencies are continued to abuse our good names with their refusal to correct.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter and can't move on in life with these negative items reporting..

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 2020-11-04 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 first submitted a complaint XXXX, and Experian spent effort to lecture me on the use of a credit repair company, rather than the issue in the complaint. I filed another complaint XXXX. I supplied my license, ss card, and a bill to prove my address. I advised them that their reasons for not using a credit repair company have nothing to do with the complaint. I know it's hard to believe, but there are laws in this country and not all consumers are stupid. I'm well aware of my rights to have errors researched when they appear on my credit report. You have violated the law. You just don't want to research them. I proved very thorough information on the errors that I was questioning. The CFPB provides an avenue for consumers to complain when the bureaus are not following the law. I'm not asking you to lecture me on credit repair companies. I'm not asking you to lecture me on how to submit a dispute. I'm simply asking you, as the credit bureau to follow the law and I'm hoping the CFPB requires you to do so. Right now, they are just taking whatever answer you provide. Review my disputes and you'll see that I did provide all the details. You missed the 30 day deadline, as you'll see with the certified / return receipts I provided. These items must be deleted. I will seek legal representation to get the rights that I'm entitled to.

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 2020-11-05 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 {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- AUTO ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MA

Complaint narrative:
Received a letter XXXX XX/XX/2020 from ERC that indicates a balance from XXXX, now part of XXXX, Is unpaid. Amount of debt {$570.00}. Reference number XXXX. 

I have not had a cell phone plan through XXXX nor XXXX. I believe this is a fraudulent charge. 

I also did not feel comfortable due to cyber security concerns to call or log onto the website. The letter appeared fraudulent to me, besides the request of money from a cell phone company that I have not used, the ERC website seems unique, and the back of the letter indicates I could pay via cash at XXXX Pharmacy or XXXX. I believe I am a victim of identity fraud Please advise on how to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NY

Complaint narrative:
XX/XX/XXXX, Transunion and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX, Transunion and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter and can't move on in life with these negative items reporting..

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 2020-11-05 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: NY

Complaint narrative:
Equifax, XX/XX/XXXX andXX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter and can't move on in life with these negative items reporting..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NY

Complaint narrative:
THE XXXX. XXXX XXXX DEROGATORY ACCOUNT AND INQUIRIES THAT ARE REPORTING ON MY CREDIT FILE DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THEM. I AM ASKING THAT THE ACCOUNT AND INQUIRIES BE INVESTIGATED AND REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2020-11-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I notified the company on XXXX that there were fraudulent charges made to my account dating back to XX/XX/2016. At the time I opened the account I had only used it sparingly. I never received any statement of account in the mail or otherwise. The claim was referred to an investigator within the company to substantiate my claim. Since then, they have denied, and I have requested them to reopen the claim 3 separate times. I have never received any request for other information or affidavit in response to the charges in dispute. Finally, after 3 separate investigations, and many phone calls, and letters to Synchrony Bank ( PayPal Credit ), I received on XXXX, that based on the information they have so far, they have approved my claim. 
However, as stated in previous notifications from them, they never, and still have not issued provisional or permanent credit to my account from the disputed charges. 
I contacted them in XXXX and XXXX to notify them that they were still reporting my account in both my billing statement and to the credit reporting agencies as $ 4K+ over-limit. 
I wrote to Synchrony on XXXX to officially document my experience and to put them on notice for continuing to bill me while the investigation was in process and requesting that my account reflect the amount it was on XXXX, and report to the credit bureaus the amount on that statement of XXXX CR. They never replied to my letter aside from the form letter received two months later that the investigation was complete, but could continue for another 2 months.

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 2020-11-05 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: NY

Complaint narrative:
XXXX, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NY

Complaint narrative:
XXXX, XXXX  and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The novel coronavirus pandemic has changed everything for my beloved wife XXXX and me! 

My beloved wife XXXX and I are senior citizens of advancing years with XXXX XXXX XXXX and so WE ARE IN THE HIGH RISK CATEGORY AND THUS ARE UNABLE TO WORK. 

Yet the Bank of America has yet to answer my request to lower the payments on our car loan to {$500.00} per month! The last payment due was in XX/XX/2020! CRUEL!

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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I submitted multiple request to the major bureaus ( XXXX, XXXX, XXXX ) about the incorrect Bankruptcy information listed on my reports. I submitted files directly from the courthouse showcasing the error they stated was correct after asking them to investigate my file. They directed me to LexisNexis since they verified it as being correct multiple times during their investigation. I reached out to LexisNexis after reviewing the report they sent me in XX/XX/2020 and then asking them to verify its accuracy. LexisNexis never replied back to my multiple inquiries about why theyre reporting it accurate to the bureau yet wont show me where theyre getting this information from. I even went to the court house pointed out the multiple errors and incorrect information in writing back in XX/XX/2020. After no reply within 45 days i reached out to them again XX/XX/2020 requesting they investigate and validate the information directly with the courthouse. They havent responded back to me neither times within 45 days. I recently sent a third request XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been trying to XXXX my payment for my vehicle and it's not letting me send through XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Contacted XXXX  on XXXX XXXX discovered account balance on Paid account listed over 900 dollars. Tried to file dispute and was blocked from filing dispute on the account. 

I also tried with XXXX  via XXXX XXXX of which I am a member and they have added information to my account access as to who is my grandfather and asking for his first name. I have never given this information and once again feel my private non public information is compromised via a third party source. I am XXXX years old and know who my grandparents were. They had or have nothing to do with my financial life. 

I subsequently contacted XXXX  XXXX regarding this matter and they sent me a letter noting I owed nothing on this account RE : Case Number XXXX phone Number XXXX. Finally I am tired of having to disclose any personal private public or any familial information regarding my finances. I realize that you are not in a position to offer legal advice, however is this a matter I can take up with an attorney since these agencies are continued to abuse our good names with their refusal to correct.

Company response to consumer: Closed with explanation