vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express offers " create a plan '' for larger purchases where you can make payments over months with NO INTEREST. What they fail to disclose is that there is a charge for doing this fixed payment plan. It's not until you go to several drop down menus that they have a tool that gives you an estimate of what fee is. However when you actually make the purchase I received another fee ( higher ) than the tool had showed. 

I feel they clearly did not state that there is a fee charged with using this upfront. Like other credit card companies they notify you of any fees ( usually represented in a % of what total amount is ). 

I called AMEX and was transferred 4 times, on phone 79 minutes and no resolution. The last person I spoke with said he'd be calling me back and see what they can do. This was 3 days ago. 

I feel it should be clearly stated that there is a fee associated with this type of " create a plan '' and this fee or % should be accurate not change once a purchase is made. I could had made this large purchase on another credit card that offered NO INTEREST til 2021 if I'd known about this charge from AMEX which is roughly 5 % fee they are charging to use this " create a plan ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner sent me letters about an alleged debt that i owe them. They are reporting to the major credit bureaus that i owe this debt to them although they have not sent me any document BEARING PROOF WITH MY SIGNATURE to prove this debt is mine and that I owe them or anyone this debt. I have requested three times by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$300.00}. I have never had an account with XXXX. Caine & Weiner states that I had an account in the past with XXXX but they have not provided any proof showing my signature on any documentation that this account is mine. I have sent them three Certified dispute letters requesting documents with my signature where i signed for this alleged debt. They have not validated/verified this account, they should not report and they need to remove the account from my credit reports. They have not provided any documentation SIGNED BY ME that supports this debt is mine. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. I DO NOT OWE ANY MONEY TO Caine & Weiner or anyone regarding this debt. Caine & Weiner is illegally trying to collect and reporting this account to the credit report. I have also contacted an attorney to sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts are unauthorized and unverifiable and is damaging my overall credit profile.

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 2020-05-08 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: NC

Complaint narrative:
Equifax should not be reporting a collection on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over the time frame allowed to be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This account was paid in full. Company offered to be removed. This account has not yet been removed

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 2020-05-08 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: LA

Complaint narrative:
This account was paid in full. Company offered to be removed. This account has not yet been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This account was paid in full. Company offered to be removed. This account has not yet been removed

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 2020-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Everyone is struggling, I have 4 mortgages with Wells Fargo which are current, I didn't ask for a hand out. I have about 10 accounts and am a business banking customer who has a lot of money in my accounts which XXXX pays me ALMOST NOTHING WHILE THEY LEND IT AT RATES HIGHER THAN EVERYONE ELSE., because their bill pay service is so slow and convoluted its almost impossible to calculate when they will actually debit your account. ITS NOT FAIR THE GOVERNMENT SHOULD MAKE THEM BE MORE ACCURATE. They charged me {$12.00} for and overdraft transfer fee When I HAD PLENTY OF MONEY and had signed up for overdraft protection. They are taking advantage of people in this time of crisis. I urge you to report this to the people who make the rules to stop them from gouging. I WANT MY MONEY REFUNDED {$12.00}, when you try to call the wait time is an hour! Its not right, they should be made to hire enough employees especially in this time of crisis. it was XX/XX/XXXX. I typed out a long message on Wells Fargo 's online banking site and when I hit send it logged me out!

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 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit card with Citibank which is cobranded with XXXX XXXX and gives me access to XXXX XXXXXXXX XXXX XXXX XXXX. The annual fee on the card is {$490.00} which I have been paying every year. 

My annual fee is due this year on XX/XX/2020 but because of the Covid-19 Pandemic, I have not been able to use the perks promised by the card. i.e. XXXX  XXXX lounges were either closed or travel has been limited because of the pandemic. 

When I called Citibank to see whether they can waive the annual fee for next year or at least defer it for a couple of months, they refused and would not budge. 

I have not been able to use the perks and rewards promised by the card through no fault of my own and would like Citi to acknowledge and accommodate

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
AT TRANSUNION I CAN NOT GET MY CREDIT SCORE. I CANT SEE ANY INFORMATION EVERYTIME I LOGIN ITS ALWAYS BLANK IVE PAID FOR A MEMBERSHIP.

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 2020-05-08 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please be advised that on XX/XX/2020 I have written the Consumer Reporting Agency Equifax Information Services then requesting a investigation as to some accounts being reported on my Equifax Credit Profile. I did not receive any updates, correspondence from the reporting agency. On XX/XX/2020 I attempted to go on to myequifax a portal where consumers can file disputes and get updates on disputes or other investigations pending with Equifax I carefully answered all the security questions correctly Equifax will not allow me online viewing of my report and I would like to explaination as to why? Also I wanted to check the latest status of my dispute Mailed to the reporting agency on XX/XX/2020 via US Mail. Also it should be noted that I can not access my report on XXXX I do ask that the consumer reporting agency contact me direct at my current mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-08 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: GA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING is reporting to the major credit bureaus that i owe this debt to them. They also operate under several other companies which one of them is RESURGENT CAPITAL SERVICES.  They have several other companies they try to use and collect these alleged debts. It appears they move the alleged debt around and try to contact me from different companies although it is the same company. They have not sent me any document BEARING PROOF WITH MY SIGNATURE to prove this debt is mine and that I owe them or anyone this debt. They are currently showing this account as closed at one of the credit bureaus and as an open account at two other credit bureaus. These accounts need to be removed from my credit reports completely IMMEDIATELY. Accounts that show CLOSED still causes damages to my credit and is false information to potential creditors. These accounts should have never been reported to my credit report because I have requested validation which they could not provide. I have never had an account with XXXX XXXX. I have requested multiple times by certified letter and these letters are attached with this complaint. I have asked LVNV to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt. They have sent a computer printout and or statement which does not show any proof this debt is mine. I have sent them multiple Certified dispute letters, requesting documents that show my signature where i signed for this alleged debt. They have not validated or verified this account, they should not report and they need to remove the account from my credit reports completely. They have not provided any documentation SIGNED BY ME that supports this debt is mine and that I owe them or anyone. They still have nothing binding me to a contract. No proof bearing my signature has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. LVNV is illegally reporting this account to the credit report. The alleged debt needs to be REMOVED from my credit report completely immediately and collection efforts need to stop. Marking the account as closed on my credit reports still causes financial damages and hardship to me and my familiy because creditors still see a collection account which was illegally placed there. They need to be completely removed.I have also contacted an attorney to sue for damages and hardship this has caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: TX

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NC

Complaint narrative:
Equifax should not be reporting a collection with a past due balance of {$13000.00} on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I had severe medical complications from a XXXX XXXX XXXX procedure. I had been in contact with XXXX  and informed them of my medical situation. I made all scheduled payments on the vehicle. I was not made aware there were any issues and I was never notified that my account was in jeopardy. Consequently, the vehicle was taken and sold at auction. The vehicle sold for more than what was owed so there is no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Hillcrest Davidson & Associates
State: LA

Complaint narrative:
I noticed a collection account on my credit report that is NOT affiliated with me. I have contacted both the original creditor and collection creditor to dispute this information and get it removed from my credit profile, but I have not been able to get any answers. Everyone has just been giving me the run around or the phone call gets disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
EVERY ACCOUNT THAT IS LISTED HAS BLANK OR MISSING INFORMATION. I CANT DISPUTE WHAT I CAN NOT SEE. THE CREDIT REPORTING COMPANIES ARE ALLOWING THE CREDIT REPORTERS TO REPORT MISSING INFORMATION OR COMPLETELY BLANK LINES. EVERY BLANK SHOULD BE FILLED OUT OR STATE NOT APPLICABLE. THIS IS RIDICULOUS. IF THE REPORTERS ARE NOT GOING TO ADHERE TO A SIMPLE STANDARD OF COMPLETE INFORMATION THE THE INCOMPLETE INFORMATION SHOULD NOT BE ACCEPTED. ALL MY ACCOUNTS ARE MISSING THE CRUSAL INFORMATION OF OPEN OR CLOSED. THE XXXX XXXX ACCOUNT DOES NOT STATE OPEN OR CLOSED THE ACCOUNT IS BLANK. THAT SHOULD BE EASY TO FIX

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 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
So the irs says my money was deposited on the XXXX of XXXX. I talked to multiple people on the PayPal chat and got guaranteed me it would be there on the XXXX but here it is four days la tu or and nothing. They put a trace on the deposit and said they dont see it.. IRS SAID IT WAS DEPOSITED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The below happened with Citibank : I was charged {$650.00} by XXXX XXXX  on XX/XX/XXXX. I didn't provide them any of my information nor had any business to do with them. When checking my wallet, I noticed that my debit card was lost. 

I reported the card as lost and disputed the transaction on XX/XX/XXXX ; and Citibank issued me a temporary credit of {$650.00} on XX/XX/XXXX. The case number is XXXX After months of not hearing from them, on XX/XX/XXXX I was charged {$650.00} for a reversal of the credit provided to me for that transaction. I called them on the same day ( XX/XX/XXXX ) to see what happened, and they let me know that the investigation didn't go in my favor. 

I tried to re-open the dispute and they mentioned I need to send a fax or letter to their Billing Dispute Unit and they don't know how long is it going to take for them to reimburse 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 2020-05-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a complaint to Experian and there response is that I am a credit repair company. I am a person not a company.

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