vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My acct was closed for a hold. After 8 hours of wait times I wasn't successfully able to reach them prior to closing my acct. Even after multiple secured messages back and forth. I should have around {$4000.00} being sent to me that I have yet to see, it's been 2 weeks now. Also, prior to closing my acct, I wasn't able to access any funds for 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: CA

Complaint narrative:
I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XX/XX/XXXX : I opened a Citibank Account Package : checking and savings accounts based on a promotion offer. The offer was for a {$500.00} bonus based on the following : " Eligible customers must enroll in the " $ XXXX {$500.00} Checking and Savings Offer '' promotion. Open a new qualifying Checking AND Savings Accounts. To get the {$500.00} bonus, customer must make a deposit of {$15000.00} XXXX multiple deposits allowed XXXX within 30 days of account opening. Account must maintain a minimum balance of {$15000.00} for 60 consecutive calendar days following the date the {$15000.00} deposit was made. Complete one qualifying direct deposit into the eligible Checking Account each month for two consecutive months within 60 days of account opening. '' " You will receive your cash bonus within 90 days after you complete the required activities. '' I successfully met the requirements, and this was verified by Citibank on several occasions : one where I called several months ago, one via chat in XXXX, and one today via phone. The first call said the {$500.00} bonus would be posted by XX/XX/XXXX at the latest. That did not happen. When I then chatted with Citibank via the website chat feature, they said they marked my account and I should receive the bonus but if I do not I would have to call. Today, XX/XX/XXXX, when I called, they said they would fill out another dispute form, but because there is no " promo code '' for the dispute form, both the call agent and I are skeptical the dispute form will result in success. The dispute form ID is XXXX. This can take up to 20 days, but this is unacceptable as the bonus should have posted XX/XX/XXXX. 

Citi breached the terms of the offer by not posting the bonus within 90 days of me successfully completing the required activities.

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 2020-04-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: IL

Complaint narrative:
I recieve Illinois Child Support payments on a pre-paid debit card through the Way2Go card or GoProgram. I normally don't have any issues with this, but my card expired in XXXX. I called the company to find out where the replacment card is and was told it should be at my house by Wednesday XXXX it was Monday XX/XX/2020 when i spoke with them, it is now Saturday XX/XX/2020 ) and still no card. I have tried to call the number on the back of my card again ( XXXX ) and i can't seen to get through to a person again. I have been on hold every day, multiple times a day for over an hour at a time. I have a son who has XXXX and it is time to get his refills on XXXX medication so I really need access to the money in the account. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I think I am a victim of a hacked account and bad check scam. Around XXXX PDT XX/XX/2020 I received an email someone not me had mobile deposited a check into my account. When I logged into my account it showed my account was locked and did not let me access my money. I tried calling all the Bank of America NA and XXXX XXXX XXXX XXXX numbers and waited upto an hour without 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 monetary relief
Consumer complaint received 2020-04-11 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: IL

Complaint narrative:
I am a victim of XXXX XXXX I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: VA

Complaint narrative:
In this particular case, FedLoan had granted Administrative and General Forbearance on each of my accounts specifically for the time frame of XXXX to XX/XX/2017, this is also the time frame during which each of my Fed Loan accounts show as Past Due on credit reports from each of the credit bureaus. The purpose of the forbearance was to prevent the accounts from populating as Past Due - furthermore, it was explained to me by a FedLoan associate that by agreeing to Forbearance terms and interest rate changes, I would allow FedLoan to report a forbearance instead of a past due for this time period - which was entirely the purpose of agreeing to such terms - to prevent credit damage. It is therefore inaccurate for FedLoan to report this time frame as Past Due and for there to be no mention whatsoever of the Forbearance. The purposeful inclusion of Past Due and withholding of the Forbearance for the aforementioned time frame is both misleading, inaccurate, unethical, and predatory - and it places FedLoan in direct violation of the FCRA. FedLoan has not fulfilled its obligation to assure maximum possible accuracy of the information being reported. FCRA 623 ( a ) ( 2 ) stipulates that any information, once reported, must be promptly updated so as to maintain its current accuracy. In order to maintain current accuracy, FedLoan needs to remove all Past Dues being reported on my accounts from XXXX to XX/XX/2017 and assure that Credit Bureaus report this time frame as Forbearance instead. FCRA 623 ( a ) ( 1 ) stipulates that if information is reported, it can not knowingly be inaccurate or misleading - FedLoan has been made aware of this discrepancy on several instances and has refused to make any adjustments. Section 607 ( B ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. These discrepancies on my credit report have negatively impacted my life in ways I can not begin to explain. My credit worthiness outside of my experience with FedLoan is clean and blemish-free. 

The following accounts are reporting erroneous late payment information from XXXX through XX/XX/2017. These accounts are included in a hardship forbearance granted by FedLoan. The forbearance means that no payments are due and therefore no payments could be late on them. FedLoan can not state that the account is currently showing as Forbearance for that time period but continue to report that time period as Past Due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called Capital one today XX/XX/11 and asked why my cards wasnt reported to the app? Capital one said my cards was close due to reasons they can not explain. The card was paid off and they just gave me a credit increase in XXXX. I was put on hold and never got to speak to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: MO

Complaint narrative:
Please remove the following account it does not belong to me. Therefore, I'm demanding it be removed immediately. 

1 ) 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 2020-04-11 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: MO

Complaint narrative:
Please remove the following account it does not belong to me. Therefore, I'm demanding it be removed immediately. 

1 ) 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 2020-04-11 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: OH

Complaint narrative:
I reached out to this company in regards to my XXXX XXXX XXXX XXXX Credit Account that has 4 of late items on my report.. I have never been late on this account. Also I have a XXXX XXXX Credit card account that shows 5 late payments in which I have never been late on this account either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have requested numerous times to be reviewed by Wells Fargo Credit Card processing department in order to receive my SCRA Benefit on my credit card. I have gone into a branch multiple times, called dozens of times, sent messages through the online portal and wrote three certified letters to the credit card department. I have never received a response from Wells Fargo of any indication they planned on reviewing my eligibility for the SCRA benefit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Celled TD Bank on XX/XX/XXXX about a deferment for my HELO for just 90 days .... I was informed by information in the article by XXXX that is included on a list, TD bank clearly states they are supposed to give customer deferments to homeowners on HELOC 's and when I called the rep, Im told in 2 weeks they would let me know and do so on case by case basis -- -- BUT a supervisor called me today XX/XX/XXXX to tell me that's not the case at all and he is saying they do not even offer deferments on that product - only forbearance I do not want AND so I tell him and emailed him the XXXX article today clearly stating TD bank is offering it, and even so it is stated in more than one reference online to include HELOC 's and it is reported as facts in including XXXX and the .pdf article clearly stating it is attached here below. HE says no, sorry, not happening. Say what? How then was that published and how are they not offering to suspend AND just add these deferred 3 months added to end of our loan term/duration, I mean hello?!! Income has been stopped and many like me- WE ARE IN A CRISIS HERE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
There was a charge of a club membership, XXXX made to my account with XXXX XXXX XXXX XXXX .. ( through Comenity Bank ) that I was not aware was an ANNUAL fee ... When I opened it I thought it was a one-time initial fee, which I accepted. When a year went by they charged me again, XXXX..which I was not aware of at the time it came in, XXXX - then I was charged a late fee on the charge. I complained to XXXX XXXX XXXX XXXX -- they took me out of the club and I won't be charged NEXT year. ..In the meantime Comenity Bank charged me ANOTHER late fee on the original club charge -- which I never even USED, BTW for a year!!! So today XX/XX/XXXX I ended up paying XXXX on an original charge of XXXX ... on a MEMBERSHIP fee! -- not even a PHYSICAL PRODUCT purchase! This is ridiculous!! Especially NOW, since Covid 19, and my being out of work! ( along with everyone else I know ) ... but even WITHOUT losing my job, this is SO unfair and cruel to me, I demand justice, and the return of my money for the late fees, coming to XXXX. -not sure of the change/cents involved.. PLEASE..Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I reached out to this company in regards to my XXXX XXXX XXXX XXXXXXXX Credit Account that has 4 of late items on my report.. I have never been late on this account. Also I have a XXXX XXXX Credit card account that shows 5 late payments in which I have never been late on this account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I reached out to this company in regards to my XXXX XXXX XXXX XXXXXXXX Credit Account that has 4 of late items on my report.. I have never been late on this account. Also I have a XXXX XXXX Credit card account that shows 5 late payments in which I have never been late on this account either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
For the Tax year XXXX, Discover Bank Credit Card Department reported a large debt to the IRS via 1099-C, Cancellation of Debt ( see attached documents ) which I am totally not liable for because there were many unauthorized credit card transactions after my then Discover Credit Card information like card number, security code, expiration date and including my full name and address on file with this company was stolen and or compromised. 
I have made several attempts to try to get this bank to remove these items from my account and they did not. Moreover, this bank sent this debt to collection department and eventually to the credit bureaus and there those negative items severely damaged my credit profile and rating and it took me many years to try to re-establish my credit. 
I gave up re-disputing this issue directly with Discover Bank. This bank stated that this 1099-C was correctly issued but I disagree because I do not owe them. There were fraudulent transactions made on my account period. 
This bank can not collect this debt and as well as reporting it to the credit reporting agencies and I totally get that and thank God there are laws in this country to protect little guy like me against these giant and greedy companies. As you can see the IRS has charged me alot of money simply because this was not reported on XXXX Income Tax Return and I would not have known to report because I did not receive mail from Discover Bank since my account was closed in late XXXX to early XXXX if I remember correclty

Company response to consumer: Closed with explanation