vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: GA

Complaint narrative:
I have filed a complaint with experian on XXXX for not updating with credit bureaus. XXXX updated account for a while than stopped. As of now the account has not been reported since XXXX of XXXX I spoke with someone about trying to get this corrected and they refused to update my xredit report, unless I am in tbe process of completing a purchase only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: VA

Complaint narrative:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2021 PayPal froze my account and banned me from the service for an incorrect accusation. I have reached out to them to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: PA

Complaint narrative:
I have started disputing inquiries with Experian since XX/XX/2021. These inquiries are not valid because they are for business credit which I did not authorize to have placed on my personal credit report! I wasn't even told it would be. When I sent in my disputes in XXXX, I never got an answer from Experian so I sent another dispute on XX/XX/XXXX. When they didnt respond AGAIN, I sent another letter on XX/XX/XXXX and this one was sent through certified mail, which they received and I have included that delivery confirmation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: NH

Complaint narrative:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: I.C. System, Inc.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: DISCOVER BANK
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: PA

Complaint narrative:
I have started disputing inquiries with TransUnion since XX/XX/2021. These inquiries are not valid because they are for business credit which I did not authorize to have placed on my personal credit report! I wasn't even told it would be. When I sent in my disputes in XXXX, I never got an answer from TransUnion so I sent another dispute on XX/XX/XXXX. When they didnt respond AGAIN, I sent another letter on XX/XX/XXXX and this one was sent through certified mail, which they received and I have included that delivery confirmation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: CT

Complaint narrative:
Harley Davidson financial continuously calls starting at XXXX EST, immediately the day after the payment is due on my loan, I pay them in 2 payments one week I pay half usually before the due date and the following week I pay the other half of the monthly payment due, sometimes its a few days over the due date, nothing crazy over, theyve told me theres no grace period on the loan even though the customer service rep said theres 15 days before a late fee is applied. I have emails with scheduled payment dates to show that the payments were scheduled and bank account statements to back up their receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IA

Complaint narrative:
I reported this bank once already. And how their app had a setting to allow overdraft. And that the default seeing is TO ALLOW overdrafts on a DEBIT CARD. which I feel is intentional fraud with the {$50.00} overdraft fee and the {$15.00} maintenance fee. So I changed the settings to STOP OVERDRAFTS. AND yet US BANK authorized 2 transactions that there was not enough money in the account to complete. And in believe it was a incredibly small amount over. I think under {$1.00}. BUT THEY HAVE MY ACCOUNT AT A NEGATIVE - {$83.00} for overdraft and maintenance fees. Even after I reset the default overdraft setting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XXXX XXXX 2020 I received a refund from XXXX for an item I Purchased with my visa Credit Karma card which i have provided screen shots of The refund was issued was to post in 3 days I called Credit karma to inquire about why the refund has not been posted on the 3rd day Which today is XXXX XXXX 2020 I was told by customer service 2 different things one rep told me funds would not be made available till Monday XXXX XXXX which is unacceptable another told me That she does not see a refund issued on my account I called XXXX for a second time to see if they did issue the refund and i was told by their rep the refund was issued on the XXXX of XXXX I was also told by a representative at credit karma That i made using their visa card to release my personal banking and routing information for a refund which is unheard of for any type of refund They say Credit carma uses XXXX XXXX as their bank I called XXXX XXXX  and was transferred back to credit karma because XXXX wasn't able to access my account even though all transactions regarding my account goes through XXXX for routing purposes thru Credit Karma Credit karma should not be allowed to have access to people 's funds or money if credit karma can't even provide a customer with any kind of account information support or access to the customers actual funds a third party does they are not the bank XXXX is the bank and XXXX XXXX handles their customers not credit Karmas customers.If you have a credit karma account as a customer you have nobody to speak to in customer service who can accurately help you with funds or deposits made in your account This company should be looked in to as a whole as this is not the first issue I have had with them regarding funds in my account And I would caution anyone who reads this to never sign up with credit karma This company is not a safe financial institution to keep any of your funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MH

Complaint narrative:
Hello, I am a XXXX XXXX engineer and I usually get my payment through Paypal. On XXXX XX/XX/2021, I received {$4300.00} which was held but I explained to them and sent supporting documents. On XXXX the amount was released. However, the account was permanently limited without prior notice whatsoever. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: First Technology Federal Credit Union
State: WA

Complaint narrative:
XXXX XXXX 's online banking system has flaws in its design on how to handle the XXXX account- if the principle balance is zero, the account summary page will simply show balance as {$0.00}, even there is some payment dues such as annual account fee or accrued interests on the account. Those payment dues only show up if customer purposely click the 'Pay ' button at the account. This is a very bad system design and failed to inform customers properly and timely. Why would a customer click 'Pay ' button on account balance as ZERO in first place?! 

This flaw in their system caused me late payments on annual fees and accrued interests in my XXXX account back in 2018 XXXX, XXXX, and XXXX, each time it was a {$5.00} payment dues, I did pay it immediately upon I got the notification from XXXX XXXX in other ways ( letter, phone call ). But still, XXXX XXXX reported these as late payments to credit bureaus, which adversely damage my credit scores and darken my financial futures. I have never missed any mortgage payments and XXXX principle / interests payments with XXXX XXXX, but only these XXXX occurrences which were mainly caused by their banking system 's flaw failed to serve their customers. 

I asked them to fix the errors on my credit reporting, and ask them to improve their banking system to better/ transparently serve their customers. Their responses insisted that this was customer 's fault and they reported to credit bureaus correctly, which I totally disagree. As a matter of fact, XXXX XXXX changed their process a little bit after 2018, and will never charge interests on annual fee payment anymore, but still, their online banking system not showing any balance of those hidden payment dues at the account summary page, unless customer click 'Pay ' button, which is very misleading as usual, image why would customer click 'Pay ' button if they see the account balance shown is {$0.00}? 

I want to raise my concern to CFPB, so that the government agency can push them correct their system design, and fix the credit reporting they did to their customers which were truly caused by their banking system 's design failed their fiduciary mandate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The Chase Freedom XXXX card was advertised as offering 5 % cash back on grocery store purchases for the first year. I saw this advertisement on my online Chase account in XX/XX/XXXX, and applied for that card. 

However, once I got the card and began using it for purchases, I noticed that I wasn't getting the 5 % back on grocery store purchases. I called Chase 's customer service twice - the first time on XX/XX/XXXX the agent said that they would internally investigate it- which could take XXXX business days. 
After not hearing back from Chase for XXXX week, I called back on XX/XX/XXXX. The second agent that I spoke to said that I was not qualified to get the 5 % grocery bonus, but could not explain why. 

If they had told me that I wasn't qualified for this promotion at the time that I applied for it, I might not have gotten this card. I also would not have used the card to purchase groceries thru XXXX XXXX, and would have instead used a different card that gave me better terms for those purchases. 
My complaint is that they bait & switched their promotional offer, arbitrarily not giving me the promotion without telling me about it in a timely manner, effectively getting me to use their card in the last XXXX months under false pretenses to charge hundreds of dollars of purchases. I lost money in the form of credit card points that I would have acquired if I had used XXXX of my other credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/XXXX I filled a complaint demanding removal of this derogatory mark from my credit due to failure to notify and verification of this debt IM now submitting a new complaint as the mark still hasnt been removed nor has verification of this said debt been sent this is a complete violation of my rights as a consumer IM REQUESTING this mark from merchant credit guide be removed immediately from my credit or I will be moving forward with litigation surrounding this matter if it isnt handled expeditiously REMOVE ALL HISTORY AND ANY TRADE LINES SURROUNDING THIS UNVERIFIED ACCOUNT attached is my original complaint which still hasnt Been rectified! 


For the past XXXX weeks Ive received multiple hang up calls from a credit collection agency named merchant credit guide I never spoke with anyone regarding an account or bill untill I spoke with someone on Tuesday ( not regarding any account regarding the hang up calls ) after being hung up on and told them to stop calling me and hanging up as a consumer Im fully aware of my rights today XX/XX/XXXX I received a notification regarding my credit being hit with a derogatory mark and its from this company merchants credit guide I want this mark removed from my credit immediately as proper steps for notification and validation for this said debt has not been made prior to putting a derogatory mark on my credit IM the ALSO disputing the validity of the bill Im requesting a print out for whatever the said debt is if the mark isnt removed immediately I will be moving forward with litigation as this is a violation of my rights this debt is not mine Ive never even done business with this said company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2021 i noticed funds missing out of my Bank of America checking account. I went into XXXX XXXX XXXX XXXX. branch and spoke with branch XXXX XXXX. He informed me that XXXX was removing this money, i immediately informed the bank i do not have XXXX or have i ever used XXXX. The bank stopped my card and put in a claim. Bank said no worrys, a week later. I receive a letter my claim was denied so i refused their findings and re- opened claim sent them documents : Police report, Attorney General claim and also i put a freeze on my credit report to protect myself. These transaction weren't authourized by me and Banks late finding they said they feel that i authorized these transactions. We still refuse to accept banks findings. I feel as a vailed customer of Bank of America for over 20 years, they should beleive me when i come to them with this major theift of my hard earned money. I also feel the bank has a fadushiory responsible to protect me and my money.

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 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation