vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 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: TX

Complaint narrative:
I feel like these accounts are adversely costing me thousands of dollars a year due to high interest payments. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recognize any of these accounts. I need this problem fixed asap I will not wait another 50 days for no response because clearly yall ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been 60 days so they should be deleted promptly.

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 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I got a letter in the mail with a credit card in it to activate. I never activated the card but I contacted the company and I was told I applied for the card. However, I did not apply for anything. I did have identity theft in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I thought I got everything squared away but it's happening again. I have numerous of inquires on my credit report that I did not authorize.

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 2020-12-19 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: TX

Complaint narrative:
I feel like these accounts are adversely costing me thousands of dollars a year due to high interest payments. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recognize any of these accounts. I need this problem fixed asap I will not wait another 50 days for no response because clearly yall ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been 60 days so they should be deleted promptly.

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 2020-12-19 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: FL

Complaint narrative:
I have been attempting to get my credit report updated on the XXXX account as it was settled since XXXX of 2020 with their agent how bought their debt ( Full Circle ) and have not been able to obtain the final letter transferred that debt from XXXX to Full Circle nor has my credit report been updated to reflect {$0.00} balance on XXXX. 

They tell me that they have attempted to contact XXXX with no results and they could not give me any documentation that they bought the debt from XXXX. 

I have been emailing and contacting XXXX with numerous attempts along with over 10 + hours on hold with multiple transfers and disconnects and they still show2 I owe those funds. 

I have attached all the correspondence in hopes that I can get a letter from XXXX as this is holding up my refinance on my home and need it asap as I have also spent additional funds out of my pocket for the appraisal fees. 

Please can someone Please help me. 

XXXX 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 2020-12-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been attempting to get my credit report updated on the XXXX account as it was settled since XXXX of 2020 with their agent how bought their debt ( XXXX XXXX  ) and have not been able to obtain the final letter transferred that debt from XXXX to XXXX XXXX nor has my credit report been updated to reflect {$0.00} balance on XXXX. 

They tell me that they have attempted to contact XXXX with no results and they could not give me any documentation that they bought the debt from XXXX. 

I have been emailing and contacting XXXX with numerous attempts along with over 10 + hours on hold with multiple transfers and disconnects and they still show2 I owe those funds. 

I have attached all the correspondence in hopes that I can get a letter from XXXX as this is holding up my refinance on my home and need it asap as I have also spent additional funds out of my pocket for the appraisal fees. 

Please can someone Please help me. 

XXXX 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 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I got a letter in the mail with a credit card in it to activate. I never activated the card but I contacted the company and I was told I applied for the card. However, I did not apply for anything. I did have identity theft in XXXX, XXXX, XXXX and I thought I got everything squared away but it's happening again. I have numerous of inquires on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: SC

Complaint narrative:
On XXXX I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have 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 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I opened a Bank of America Account Online. I deposited my payroll check via direct deposit which i really needed being right before XXXX. BOA locked my account for some odd reason. I called the number provided and they said I needed to go into a financial center and prove i was a real person. I said no problem being very understanding. I told the guy I could do it later in the week and he said thats not a problem. I went to the XXXX, TN branch which is an hour away and they were very helpful but BOA had closed my account and told me that theres nothing that i could do about it since they processed my payroll check and then closed my account they told my i had to wait XXXX days to receive it. Total XX/XX/XXXX It ruined XXXX and put me under emotional distress. They did not disclose any of this to me. Do not bank with Bank of America. It seems like they only prefer to have high net worth customers and not small business owners and the working man.

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 2020-12-19 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: SC

Complaint narrative:
On XXXX I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-12-19 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: SC

Complaint narrative:
On XXXX I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-12-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are CHILD SUPPORT ENF AG N, XX/XX/XXXX I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/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 2020-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I applied for a store card that was approved, however the bank that issues the card linked me to a previous address from a card I had with them Instead of the correct address used on the application in store. They have sent my card and other documentation to that previous address. I called the 3x and went back to the store that I applied for and made my purchase through. They want me to send a 5 sec video of myself and my iD along with a current utility bill through a link they text me to my phone which I refused all 3x. They will not correct the address but said they will send a letter with a pin code to verify me to that previous address. I asked them not to send documents there, I cant access the account online and they have done something in my eyes illegal by using an address I did not give 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 explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020 there was XXXX taken out approximately at XXXX. I explained to Bank of America that it was not me being that I was at home sleeping and pregnant and that no one else has access to my card. I usually have my husband or I go with to a certain Bank of America near my home to withdraw my money. On this particular day I had my husband go in the afternoon of XX/XX/2020 he tried a couple times and it didnt seem right so he notified me I then checked my account it said it was already withdrawn at a XXXX XXXX on the other side of the city. I then filed a claim with Bank of America and filed a police report only to find out they closed the claim 2 days later. I then called to have claim opened back up which they did and I ended up speaking with someone else that told me there is not much there going to do about it and that the money missing would be my responsibility. So while I waited a week I called and they told me claim is still pending only to find out the next day I cant login to my unemployment debit card so I called and they said account is closed to contact Unemployment. Ive called a couple times on XX/XX/2020 and I believe XX/XX/2020 I also called on XX/XX/2020 and XX/XX/2020.

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 2020-12-19 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: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts areXX/XX/XXXX I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/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 2020-12-19 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: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XX/XX/XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 Chase credit card number unknown charged me {$26.00} for something. To the best of my knowledge do not own a Chase Credit Card! I received a statement from Chase charging me {$26.00} for an XXXX Order Number XXXX. I called their customer service # XXXX and explained that I had not purchased anything from XXXX. This charge had escalated to {$93.00}. A letter from Chase dated XX/XX/2020 stated this account was closed to aXX/XX/XXXX balance. I assumed the matter had been resolved. My husband and I are XXXX years old and have always prided ourselves with good credit ratings. I was shocked that our Credit Score dropped from over XXXX down to XXXX! 
Please advise disposition of this matter. 
I can be located at our vacation home where we have been since this COVID thing started. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Our home phone remains the same XXXX and is forwarded to our cabin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Applied for a Citibank credit card on XXXX XX/XX/2020. The Double Rewards Card. Completed the application on-line and the customer service representatives claimed that I would receive a letter in the mail regarding approval and/or an e-mail. There website claimed you can check your status by entering your telephone number or by the assigned applicant numbers provided by Citibank. I can't get a straight answer from Citibank regarding approval. I have not received a letter regarding approval or a denial, it's been over 30 days and I didn't appreciate the false advertising regarding a status update which never occurred after entering the customer applicant numbers provided by there credit card division. 
Desired Settlement : Other ( requires explanation ) Citibank needs to remove there false advertising claim of 5-7 days regarding credit card processing. There customer credit representatives should stop telling applicants to expect a letter or e-mail from Citibank regarding a decision. There credit division needs an overhaul and should be fined for telling the public exaggerating, untruthful, misleading advertising statements and stop putting customers on hold while pretending to view the applicants credit application. 
Complaint Details Nature of Complaint : Customer Service Issues Date Problem Occured : XX/XX/2020 XXXX XX/XX/XXXXDate ( s ) Complained : XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XXXXXX/XX/XXXX Salesperson : None Provided, None Complaint Details ( cont. ) Product/Service : Citibank Double Rewards Credit

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 2020-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE CONTACTED EQUIFAX VIA PHONE AND MAIL TO GET INCORRECT ITEM REMOVED FROM REPORT ITEM IS NOT MY DEBT PLEASE REMOVE XX/XX/XXXX XX/XX/19

Company response to consumer: Closed with explanation