vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted a request for XXXX XXXX, Transunion, XXXX  and XXXX  to provide How they verified the Bankruptcy reporting on my credit profiles. I have a letter from the BANKRUPTCY COURT saying they DO NOT verify this information with the credit reporting agencies. Transunion, XXXX  and XXXX  claims to have received this information from XXXX. However, using a 3rd party to verify ( XXXX XXXX XXXX, is a VIOLATION of the FCRA. The credit bureaus, or required to verify this information themselves. Furthermore this account is reporting inaccurate on all three bureaus. Transunion and XXXX  is listing the open date as XX/XX/2015 and XXXX  is reporting XX/XX/2015, There is no way this account was opened on two different days. Transunion is reporting the reference number as XXXX. XXXX  is reporting XXXX and XXXX  is reporting XXXX This is an inconsistency. If this information is coming from the same furnisher then why is it so vastly different. Transunion is reporting the court name U.S. Bankruptcy Court. XXXX  is reporting US BKPT CT MS XXXX and XXXX  is reporting Federal. This is an inconsistency. IF this information is coming from the same furnisher then why is it so vastly different. They have failed to verify this account because even after my initial investigation they still reporting inaccurate and inconsistent information ...

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 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I am writing this due to non-compliance with the CAPITAL ACCOUNTS. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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:
Doesn't belong to 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 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had been calling Citicard for over a month before Covid19 because their site for business cards was not working, and I was unable to access my account. Everytime I called, they told me that they were working on the problem but could not tell me when I could get on line. I needed documents for a court case, and finally insisted that they mail me the copies overnight. They sent the copies after the date I needed them.

I sent automatic payments every week but did not know the status of my account and received nothing in the mail.

I started another round of calls as Covid19 hit XXXX XXXX XXXX, where I live. I had to shut own my business and wanted to get a forbearance and at least a temporary interest rate reduction. I called repeatedly and was told that there was not yet any policy in place. At this time the post office stopped delivering mail because of the crisis ' impact on their staff. 

I opened my mail today, XX/XX/XXXX, and discovered that not only had the card allowed overcharges and charged me a fee for that, but they increased my interest rate by more than double because of the overcharge and late payment!!!!! 

They sent a bill with these massive new add-ons and demanded that I pay double my usual monthly payment. 

I have spent hours on the phone with them only to discover that they not only did not help me, the consumer, despite the recent bill passed by Congress, but they charged me double and increased my interest rate. I assume they have also made a report to the credit bureau despite the government 's admonition.

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 2020-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing this due to non-compliance with the PORTFOLIO RECOVERY. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: FL

Complaint narrative:
MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: FL

Complaint narrative:
MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX online savings XXXX  Savings account will not let me close or withdrawal but verbally and in writing they reiterate over and over that you can. They go through great pains to pretend you can, but the money never shows up in ACH transactions or it arrives and pulls out the next day and the bank goes into negative debit. They are charging a maintenance fee of XXXX usd a month and its been a year and a half of them whittling me down with nickle and dime taxation. Originally I put in XXXX USD I think.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: NC

Complaint narrative:
Equifax is allowingXXXX XXXX XXXX XXXX  to fraudulently report 1 collection bill as 3 separate bills. I have 1 collection bill with XXXX for the amount of {$990.00}. XXXX XXXX XXXX XXXX is reporting that 1 bill as 3 separate bills. I made a dispute with Equifax and provided documentation showing that I only had one bill. Equifax did nothing at all but update the balance date. The two other credit agencies made corrections based on me provided proof. Equifax is allowing fraudulent reporting to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
AMEX Bluebird closed my account and suspended it pursuant to section 22D of their user agreement. I lost XXXX USD for trying to EE Savings bonds through treasurydirect.gov and taking too much money out of my set aside account. All ACH transfers ; no cash loads. Its been a week and a half now and the money 's gone. I want a reimbursement check or ACH transfer back to my XXXX XXXX  account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I called for an ambulance from City of XXXX - XXXX ( XXXX-XXXX ). The XXXX-XXXX  sent me an invoice # XXXX in the mail. I sent an email on XX/XX/XXXX advising them to file claim with my insurance company XXXX XXXX XXXX. But they failed to file within 45 days for paper claim ( non-electronic claims ). They ( XXXX-XXXX  ) UNJUSTLY and UNFAIRLY forwarded their invoice for COLLECTION to National Recovery Agency ( NRA ). I sent a letter on XX/XX/XXXX to NRA letting them to know that XXXX-XXXX  was supposed to file the claim with my insurance company but they failed. The NRA put this collection item on my Credit file without listening to me, reviewing the case or  offering any amount for settlement BECAUSE I AM AN XXXX   and XXXX! 
I would greatly appreciate your involvement in this case to ask NRA to remove the collection item IMMEDIATELY and apologize me for this UNJST and UNFAIR practice. 
Thanking you in anticipation.

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 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I received a letter dated XX/XX/XXXX from M & T Bank advising me that they were closing my checking account as of XX/XX/XXXX. The letter said not to call them because they would not give any further information. I did call on XX/XX/XXXX when I received the letter without giving my name just to ask in general what reasons might be for the bank closing an account and the clerk would give me no information whatsoever. I have had a relationship with this bank for at least 25 years and have never bounced a check. My husband and I direct deposit our paychecks into this account and have since the day we opened the account. I checked my credit report and there was a soft inquiry from them on XX/XX/XXXX. I have no idea why they checked my credit and would like to know why. However, there is nothing on my credit report that would negatively impact me having a checking account. All of my debt is current and with the exception of a 30 day past due from my XXXX XXXX credit card for an amount of {$32.00} in XXXX, XXXX, there has never been even one late payment on any of my accounts. I would like to know if there is something on my record that is incorrect or fraudulent so I could take care of it. This also will cause a huge problem with my Stimulus check from the Treasury Dept. This account is my bank account for my direct deposits to the IRS. If they are bounced back, I will never get them.

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 2020-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an auto loan with 5/3 bank. They allow you too reschedule payments, which I do out for one year. Five times they have canceled my online payment without notifying me then assessed me late fees. When confronted about this practice they tried to blame my credit union, then admitted it was them who canceled it with no reason why. Can you please look into the Bank to see if this is a regular practice that they use to assess fees. 

Bank : 5/3

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
- XX/XX/2020 - American Express reduced credit limit by {$7500.00} without valid justification and advance notification. 
- I spoke to XXXX XXXX ( Rep # : XXXX ), and he stated that reason for credit limit reduction was due to increase in installment/revolving balance which is not true based on credit report provided by American Express, but rather reduction in balance of both installment/revolving accts is shown. Then, XXXX XXXX ( Rep # : XXXX ) changed his position stating that decision was made due to balance on American Express Account increased, yet 40 % available credit remains. I stated I took advantage of promotional rate at 0 % which American Express offered, reason for not paying down any significant amount towards balance, also always maintained good standing with account. American Express failed to access over all credit of card member, but decided to just looking at American Express account, not a proper way to assess someone's credit worthiness. 
- The CFPB and other financial regulators have encouraged financial institutions to help and work with their customers to meet their needs around COVID19 urgent situation, but American Express 's business practice doesn't reflect the effort, instead of helping, working with card members, American Express chose to create more hardship, knowing it may bring financial uncertainty for many people/card member who could experience a loss of income due to illness or workplace closures. 
- Also spoke to XXXX XXXX ( Supervisor ) ( Rep # : XXXX ), but couldn't provide valid reason, couldn't help. 
- Both XXXX XXXX/XXXX  XXXX lack in knowledge, lack customer handling skills, also failed to deliver fact, proper training is urgently needed. 
- Many of large financial institutions are diligently helping/working with their customers, going through tough time, but American Express chose not to, but rather to create a hardship for their customers with given COVID19 urgent situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have work to pay to balance my account since the account opening around XXXX. Recently my full-time job assignment ended XX/XX/XXXX, and I'm still waiting to obtain another full-time job. My current employer organizations have been affected by Coronavirus and are currently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I am writing this due to non-compliance with the CREDIT MANAGEMENT LP. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: IL

Complaint narrative:
I went to XXXX to cash my payroll check which is from XXXX XXXX XXXX and it was declined. I live in a small town and XXXX is the only place to cash checks, I was not given a reason I was given a number, I called it it told me it was declined for reasons, no explanation. I would have to drive two hours to the nearest issuing bank. Because of this I will be homeless because my rent is due and about to be late, I've now worked at this job for three weeks basically for free. What's a person in a small town to do I barely have the gas to go back and forth to work and I can't get a person at the declining agency to answer. What's a person to do.

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 2020-04-04 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I bought an American Express card prepaid card loaded with {$500.00} to get home to XXXX  I was trying to set up the serve.com account online on my phone when I realized {$300.00} was not there it said I had a XXXX balance and then they started saying I had {$200.00} there I believe it's XXXX XXXX XXXX because he's mad at me for selling the house that I had to sell he was not allowed there due to an XXXX XXXX  she has against me and a XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay 's Bank Although I have been with Barclay 's for over three years, the credit line is {$500.00}. After three years, I inquired with the company about an increase and was told I do not qualify for an increase. 

I have an excellent payment history and a XXXX FICO score.

See attached correspondence with Barclay 's

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 2020-04-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted a request for XXXX XXXX, XXXX, Equifax and XXXX  to provide How they verified the Bankruptcy reporting on my credit profiles. I have a letter from the BANKRUPTCY COURT saying they DO NOT verify this information with the credit reporting agencies. XXXX, Equifax and XXXX  claims to have received this information from XXXX. However, using a 3rd party to verify ( i.e XXXX XXXX, is a VIOLATION of the FCRA. The credit bureaus, or required to verify this information themselves. Furthermore this account is reporting inaccurate on all three bureaus. XXXX  and XXXX  is listing the open date as XX/XX/2015 and Equifax is reporting XX/XX/2015, There is no way this account was opened on two different days. XXXX  is reporting the reference number as XXXX. XXXX  is reporting XXXX and Equifax is reporting XXXX This is an inconsistency. If this information is coming from the same furnisher then why is it so vastly different. XXXX  is reporting the court name U.S. Bankruptcy Court. XXXX  is reporting US BKPT CT MS XXXX and Equifax is reporting Federal. This is an inconsistency. IF this information is coming from the same furnisher then why is it so vastly different. They have failed to verify this account because even after my initial investigation they still reporting inaccurate and inconsistent information ...

Company response to consumer: Closed with explanation