vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: CA

Complaint narrative:
I was sent a spam email by Netspend telling me I had signed up for their card on XX/XX/2021. I did not sign up for this service and was unable to cancel online. I have not and will not activate this card.

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 2021-11-20 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: TX

Complaint narrative:
These accounts are inaccurate and do not belong to me, please block and remove per XXXX XXXX XXXX.

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 2021-11-20 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: TX

Complaint narrative:
These accounts are inaccurate and do not belong to me, please block and remove per XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: TX

Complaint narrative:
These accounts are inaccurate and do not belong to me, please block and remove per 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 non-monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The collection agency is trying to collect a debt but is not licensed to operate in my state of Georgia.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 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: WI

Complaint narrative:
I gave Authorization to Experian by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. 

I XXXX XXXX have contacted Experian and XXXX XXXX now for over an year to delete the following account and it has been refused to be deleted. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account. XXXX was also notified. XXXX unable to apply for a XXXX card due to this fraudulent account. 

XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/2019 This is not mine. I am a victim of ID Theft

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 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check for {$13000.00} and chase decided to put my check on hold for an indefinite amount of time. I already checked with the maker bank ( XXXX XXXX XXXX ), and they have cleared the check as was the money was already taken out of the account. Regardless of all of these information and a very lengthy hold time by chase, XXXX hours & several hang ups, chase decided they wont do anything to help my cause and continued to antagonize me by ignoring my plea for an expedite. Now i am currently in a financial bind because this bank decided they can torture people by withholding my own money from myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: MD

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Late/Closed : XXXX XXXX Balance {$0.00} ; Charge-off : XXXX DEPARTMENT STORES XXXX Balance {$1700.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00}

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 2021-11-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This letter is being written on behalf of XXXX XXXX XXXX fraud report Claim # XXXX. 

I am currently an account holder with XXXX XXXX XXXXXXXX Employment Development Department prepaid debit card. I have been receiving benefits from XXXX since the COVID 19 Pandemic began. 

On XX/XX/2021 I logged onto my account and realized {XXXX were suddenly removed from my account from various fraudulent charges throughout the country. These charges date back to XX/XX/2021 and over the course of the XXXX almost all of my money was gone leaving me with only pennies in my account. These charges include things such as XXXX XXXX, XXXX XXXX XXXX, XXXX, the UXXXX XXXX XXXX, just to name a few, obvious things that would not be purchased by me. These charges range anywhere from {XXXX to over {$XXXX}. 

I filed my first claim with XXXX XXXX XXXX on XX/XX/XXXX, the day I realized what had happened. I was provided provisional credits over the next few days. Those credits were completely removed XXXX days after the first claim was filed and this case was closed by XXXX XXXX XXXX  stating there was a lack of evidence of fraudulent activity. After I received the provisional credit I promptly transferred the funds into my personal bank account in fear that it would be stolen from me again. This resulted in XXXX XXXX XXXX putting a - {$XXXX} on my account stating that I owe this amount. 

I re-opened the claim on XX/XX/2021 with the same claim number and requested XXXX XXXX XXXX  send documentation providing evidence of a thorough investigation and how the decision was made to close the case. I did not hear anything else from XXXX XXXX XXXX 

On XX/XX/2021, I received another notice by XXXX XXXX XXXX  indicating that the claim was closed due to a lack of evidence, again. All of these letters are postmarked exactly XXXX  days after making phone calls to the fraud department to reopen the claim. All of these attempts were denied with no indication any further investigation was performed.

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 2021-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
Collection agency is attempting to collect a debt but is not licensed in my state ( Georgia ) to operate as a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I requested validation and all original documentation stating that I have a signed contract between this company PRO COLLECT of the alleged debt this company stated. I allegedly owe the sum of {$1000.00} and the 3 major credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2021. I haven't received any of supporting documentation from these two company nor the credit bureaus. Supporting their claim over this alleged debt sent to me. XXXX respondent vie e-mail with their company results stating that they ( XXXX ) was able to verify the alleged with both collection agencies, but did not send me the supporting documentation on how they was able to verify this alleged debt. I received a statement from XXXX XXXX sent on XX/XX/2021 stating their company verify the debt without any supporting documentation being sent to me as requested in the letter I sent to their company no response from XXXX. Due to no receiving any documentation from none of these parties listed above. On XX/XX/2021. I sent 2nd request sign affidavit to retrieve documentation from the 3 credit bureaus and 2nd request signed affidavit certified mail with a return receipt to PRO COLLECT asking for all of the documentation supporting the alleged debt these company stating I allegedly owe to them. I received a response from XXXX vie email on XX/XX/2021 of their company investigation stating that they still verified the alleged debt as being accurate with the collection companies without send me any documentation supporting their method of verification of this alleged debt nor supporting documentation that I requested. No response from XXXX XXXX, XXXX XXXX and 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 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I gave Authorization to XXXX by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. 

I XXXX XXXX have contacted XXXX now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account XXXX ( {$660.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opening date : XX/XX/2019 This is not mine.

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 2021-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Thank you for your time. I have been going back and forth with all XXXX credit bureaus Equifax, XXXX, and XXXX. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the Equifax breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX XXXX # XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have made several requests for updated records regarding this account since XXXX. When the company charged off the said debt in XXXX, I requested debt validation as well as a XXXX form since they wrote the account off as a " profit-loss '' charge-off. To date, I have not received any information in regards to the XXXX that I requested. In fact, on XX/XX/XXXX on a called placed and taken by XXXX Customer Service Department from XXXX to XXXX, representative " XXXX XXXX XXXX did confirm that the company in fact DID not send the XXXX to indicate cancellation of debt since it was charged off. However, they have reported this account this as a loss to the XXXX XXXX XXXX but are still attempting to collect this debt from me through a third-party. This is illegal and fraudulent as I was told by the XXXX and advised that I submit a complaint here as well as referral to the IRS for investigation into this very common practice Synchrony Bank uses.

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 2021-11-20 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: GA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on the response to the written requests I sent on EQUIFAX. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX OF XXXX - XXXX Balance {$0.00} ; XXXX, XXXX - XXXX Balance {$19000.00} ; Chapter XXXX Bankruptcy - XXXX Filed on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX, please delete remove the unknown addresses.

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 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I contracted XXXX to create a website for my painting business in early XX/XX/2021. On XXXX they advertise their services as having a XXXX XXXX money back guarantee on their design as well as prompt turnaround times of XXXX hours or less on any revision to my website. They also promised a seamless website design experience. This is all on their homepage clear as day. 
I have gone thru XXXX of XXXX XXXX web site designers. They each failed spectacularly at their task of creating a simple easy to use website for my painting business. 
Their turnaround time was not XXXX hours, it was typically about XXXX weeks to get a response. Even after waiting XXXX weeks for simple changes such as my partners name to be added as well as his phone number, to remove repeating text on the page and to remove a section to says that we sell commercial flooring. We do not sell anything and these changes were not made after XXXX or more attempts. They finally delivered a terrible website to me mid XXXX and I was not happy. I let XXXX my project coordinator know that at this time I was no longer interested in any further revisions as I was not waiting any more for this project to be delivered and I was unhappy with everything from the beginning. 
I disputed the charges with citibank ( the credit card used for purchase ) and they said they would investigate the charge and my dispute. They finally updated my credit system today and reversed the dispute. I spoke to XXXX agents from citibank dispute team and tried to let them know that this was fraudulent charges at this point as I have been scammed by XXXX. I even provided the emails and texts as well as their guarantee of XXXX % money back if I wasn't happy. 
Citibank told me that there was nothing that they could do and they could not reopen the dispute. 
It is clear that they did not investigate anything related to this dispute and they are holding my XXXX XXXX XXXX. There is no reason at all that I should have to pay for this when they state that there is a XXXX % money back guarantee right on their website. I've provided proof, I've contacted XXXX several times asking for my refund but they do not answer my calls or my emails. I am extremely frustrated with citibank and feel they are equally responsible for this fraudulent charge being placed on my credit. 
I tried to get the supervisors name from citibank and she would only provide me the information " XXXX from the XXXX office ''

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 2021-11-20 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: DISCOVER BANK
State: WI

Complaint narrative:
I gave Authorization to XXXX by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. 

I XXXX XXXX have contacted XXXX and Discover Card now for over an year to delete the following account and it has been refused to be deleted. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account. Discover was also notified. Im unable to apply for a Discover card due to this fraudulent account. 

XXXX XXXX XXXX XXXX  ( {$1700.00} ) XXXX XXXX XXXX, XXXX, XXXX XXXX Opening date : XX/XX/2019 This is not mine. I am a victim of ID Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a Jet Blue credit card through Barclay 's Bank for a few years. I used it and carried a modest balance. I have never complained about the interest rate and paid my bill on time. About two months ago, I purchased some furniture. Not thinking about it I decided to put a piece of furniture on this card. I am not sure what I was thinking really but I certainly did not think that I would get no promotional rate at all! Most cards offer this on new purchases for at least six months to possibly a year! If I would have known this or realized it I could have financed the furniture through the major retailer, I purchased it from or opened a credit card through them with a 0 %. I have good credit. I would have qualified for the financing or the credit card for sure. I seen when making my last payment online that I am now paying {$35.00} per month in interest. I was stunned. I contacted the bank immediately through their online messaging asking if something could be done. I am experiencing a hardship as it is. I don't want to have to go into a settlement with this card and ruin my credit. This is unreasonable. I want something done and the high interest refunded for the XXXX months or I am going to have to make an unpleasant and serious decision as I am not going to be able to pay my bill..

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