vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have filed a dispute claim with Citi bank credit card in XXXX of XXXX after my card was stolen and used to make an unauthorized purchases. I contacted citi bank to notify them of the issue and make a claim I also updated my address on file because I recently moved to a new apartment in the same complex. I was sent a new card however the card was sent to the the incorrect address which was the old address. Once I received the card I contacted citi bank once again to notify them that they still are sending me mail to the incorrect address after I gave them the new address prior to the mail being sent. After the call I was then told my account is restricted. I received a new letter in the mail stating my account is restricted. I contacted the company and they stated that im going to get another letter in the mail with a code. It is now XXXX of XXXX I still have not received this letter and have contacted them every week regarding this matter and they are still not resolving the matter nor have they resolved the dispute.

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 2020-01-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
I bought a {$500.00} visa gift card issued by BlackHawk Network , Inc on XX/XX/XXXX. 
One week later, I didn't receive it and I asked customer service for help. They told me to wait for 15 business days. 
On XX/XX/XXXX, I still didn't receive the card and I asked customer service to open a case to reissue the card to me. 
On XX/XX/XXXX, they told me the card has been registered and used and the only way I could do is to start a dispute process. 
On XX/XX/XXXX, I called their dispute team and tried to open a dispute case. However, their dispute team told me since I didn't receive the card and they can not honor a dispute process. 
There are several questions : 1 ) They said the card is activated under my name. However, the information needed for registration is card number, expiration date, 3-digit code on the back of the card, cardholder 's name and address. All these are either directly on the card or on the envelope. They can not prove it is me who registered the card since they didn't verify through a phone call, text or pin. 
2 ) Since it is impossible to prove it is me that registered the card, all the transaction made via the card is not authorized by me. 
3 ) They refused to dispute and reissue the card and thus I believe this is a fraud company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: NY

Complaint narrative:
After filing a complaint with your office regarding an incorrect collection account on my credit file, I received notice from you and from the collection co ( XXXX XXXX XXXX ), I called Equifax and they refused to confirm for me that it was removed from my file. Your complaint number is XXXX. I spoke to two representatives with Equifax today, and both gave me the run around and refused to provide me the information I requested. They said I needed to send documents in to confirm my identity, even though I already sent in my drivers license, ss card, etc. at an earlier date. After I did that, that is when i found the incorrect account. I provided my current address, previous address, ss #, full name, and date of birth to them, and they still refused to simply confirm the removal of the illegal collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: MO

Complaint narrative:
XX/XX/19 I received a letter in the mail from Affiliate Asset Solutions LLC stating that this was an attempt to collect a debt. The amount due was {$1000.00} and that the original creditor was XXXX XXXX XXXX. The first sentence in the letter says Pendrick Capital Partners II LLC has purchased the account referenced in this letter. Yet the letter is from Affiliate Asset Solutions. 
XX/XX/19 I recieved a letter in the mail that stated it was a debt and that I owed {$460.00} and that the original creditor was Pendrick Capital Partners LLC. Why is this company using 3 different names referencing them all back to each other. 
I mailed a letter back to Affiliate Asset Solutions which I am attaching requesting them to verify the debt. The back of the letter they sent me specifically states what I was allowed to request within 30 days. And I requested exactly that so I could verify this was even a valid debt that I owed it. I received a letter back which looks to be a scanned copy of a bill. Which seems to be fake. 
# 1 I should have also received this bill. It is clearly addressed to me and my address. No such bill ever came to me. 
# 2 This is supposed to be a itemized bill as their letter says that is included with the bill, the bill is for {$1000.00} and only 1 thing is listed for the charge. If this was a real bill there would be more than 1 line item billed for. 
This is not a real bill nor enough for me to verify I am connected to this debt alleged. 
# 3 the address on the bill is from a place in XXXX XXXX Nevada ( I live in MIssouri ) but it has printed in caps letters THIS IS FOR SERVICE AT XXXX. I do not feel any of this is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Bk Chap XXXX thats was discharged on XXXX XXXX that a few accounts have reappeared on my credit as NEGATIVE and reporting as Late over 120 days, and over 150 days and Collections. Ive contacted the companys and I was told there look into it can take 30 to 35 days and XXXX  and XXXX can take up to 90 days to update my credit reports. These companys are putting it was in BK then on time there saying LATE,. COLLECTION etc, and there showing all the months I was late 1. Capital One Bank there reporting in Status as ( Late over 120 days ). As of XXXX. 2. Kevin Jewelers there reporting in XXXX status as ( Collections ) as of XXXX. 3.  XXXX XXXX got cleared up BUT XXXX  still reporting ithis account as NEGATIVE when it was discharged in BK 2 years ago 4. XXXX   XXXX XXXX is on my XXXX  report as a Negative account on my credit report when they were discharged in BK Ch XXXX two years ago 5. XXXX XXXX  is being reported as Over 150 days late with a late balance of {$1200.00} When it was changed to Current With nothing Past Due 6. XXXX XXXX XXXX  is being reported as NEGATIVE when they were Included in BK and discharged Two years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: CA

Complaint narrative:
a complaint was done on XX/XX/2019, and we never heard any feedback, an dinvestigation from Experian Inc

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 2020-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XXXX XX/XX/XXXX, an associate deposited XXXX XXXX XXXX dollar checks to my and my wife 's joint checking account at a Chase Bank. The checks where issued by XXXX XXXX in XXXX, through XXXX XXXX, and brought to the U.S. by my associate. 
The checks appeared in our account with a " hold '' that expires XXXX XX/XX/XXXX. 
I understood that the funds had to be held until they cleared, but when I tried to deposit a personal check, using on-line checking, I was not permitted to make any deposit or transfer any funds from my Chase savings account. 
I contacted Chase and eventually I was connected with the fraud department. They told me that the five checks were " suspicious '' and were being " held '', and they had a " high probability of being returned ''. I told them that I could see on-line that {$5000.00} was being held, but I should not be barred from making deposits, or transferring into my checking account from my savings account. I was also worried that automatic deposits or payments would not be allowed. 
The Chase representative then told me that my accounts were " restricted '' and could not be used until the checks were " returned '' around XXXX XX/XX/XXXX, and that I would have to go to a Chase bank in person to " clear '' the " restriction ''. 
I traveled to a Chase bank outlet and talked with a banker who called the fraud department, and was told the same story, that I could not use our accounts until the " checks were returned '' My accounts still show " available balance '' {$5000.00} less than the " present balance '', and will not allow me to make any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Citi bank package with {$400.00} + {$100.00} welcome bonus onXX/XX/2019. All the requirements were meet by XX/XX/2019. It has been over 60 days since both requirements were meet, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. Here are more details. There are two requirements to earn {$400.00} + {$100.00} bonus. The first requirement, for {$400.00} bonus, is to keep more than {$15000.00} new funds over 60 calendar days, which was fulfilled by XX/XX/2019. The second requirement, for {$100.00} bonus, is to receive the direct deposit for two months, which was fulfilled in both XXXX and XX/XX/2019. Please ask Citi to post {$500.00} credit as advertised.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2019 I applied for a savings account with XXXX XXXX XXXX. I was rejected because of a credit freeze I paid for adding a credit freeze and then I paid again to take off the credit freeze with Equifax about 5 years ago ... because of problems like this. In XXXX Equifax told me there was no freeze on my account. 
I just applied for a savings account with XXXX. I was rejected because of a credit freeze. 
I called Equifax and told them they had to fix their records and I can not conduct any financial business with Equifax reporting a freeze on my account. I spoke to XXXX, a manager at Equifax ( XXXX ) and he refused to help because his system was down at XXXX PT in the morning on a XXXX. I told him to take down my info and fix it later. He refused. 
Equifax needs to delete any freeze on my account. They are materially impacting my financial stability by denying me the ability to open and close accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PRA. Replied to a complaint and i will attach the letters sent and as you will see that was not my address, so no wonder I received and notification, PRA. Soft pulled my XXXX report XX/XX/XXXX so they should have seen my address, and that address is not mines .... so no communication was sent to therefore i did not get my time to refute the claims .... furthermore both accounts was deemed fraud by original creditor and PRA will not be able to give any documentation that proves i owned this account .... need these gone from my report asap I was never contacted My current address is listed on the government documentation and and utility

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Back in the beginning of 2019 ( XXXX ) notification was sent to us that Ditech was changing the payment process and there would be separate accounts for the mortgage payment and the homeowners insurance payment. We did not receive statements in XXXX or XXXX and the XXXX statement must have arrived late because I do not recall receiving it. When I checked my account online, XX/XX/2019, I saw that there was {$2000.00} in an " unapplied '' funds status. I immediately called Ditech and spoke with a representative. On XX/XX/2019 the status of the unapplied changed to {$780.00}. On XX/XX/2019 the status of the unapplied changed to {$7.00}. My monthly homeowners insurance amount was {$200.00}, I do not recall how many payments but shortly after creating a separate account for the insurance they changed again and our payments went directly to the insurance company. Even though they set up a separate account they still took money from the mortgage account for the insurance. I sent a letter dated XX/XX/2019, my first written correspondence. I was, in the past, able to see my payment history and how they continued to change it. I printed screen shots every time I looked and it changed. I am concerned because my funds still continue to sit in the " unapplied '' and they do not post my payments prior to due dates causing me to pay more in interest. The most recent on XX/XX/2019 there was {$1000.00} in unapplied, this amount does not equal the amount of my payments mailed. This amount was not posted as a payment until XX/XX/2019, 3 days after my due date XX/XX/2019. My statement generated XX/XX/2019 shows principal {$860.00}, interest {$580.00}, funds in suspense ( {$32.00} ). I am also concerned that the total amount paid to them in 2019 is incorrect, payments made to Ditech from my checking account total {$10000.00}. This amount does not included insurance once they separated accounts so XX/XX/2019 would only be {$200.00}. On the XX/XX/2019 statement their Year To Date totalpaid is {$9800.00}. 
Before Ditech was in bankruptcy my payments were applied as received, now they hold and forget about them. I make a payment every two weeks based on the pay period, which means I have made two additional payments in one year as bi-weekly is 26 pay  periods.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
I'm not responsible for this account, i never sign contracts with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
In XXXX I opened a XXXX Card AAdvantage Aviator Master Card, a promotional offer on an XXXX XXXX flight. I subsequently never used the card. On XXXX XXXX, XXXX I was advised the account has been closed due to delinquency. I contacted XXXX on XXXX XXXX, XXXX. A " representative '' researched the account, found the {$99.00} amount " due '' was only for an annual membership renewal and that I had never used the account. I stated I wanted the account closed, the membership fee credited and the derogatory delinquent status removed from the credit bureau reporting. The representative, after looking at my other XXXX XXXX Card long history and good-standing, stated that he would do precisely that. I was provided a case # XXXX. I have since found the derogatory status has reduced my FICO score from +800 to <700. 
I contacted XXXX today as I had previously requested to be copied on communications to the credit bureaus. The " representative '' today was much less helpful, unable to provide confirmation of anything ( other than confirmation of the case # ) and basically told me to file a claim with " FCRA ''. I do not feel that XXXX is cooperating in this matter in a timely nor professional, informative matter. I would like reassurance that the proper, agreed upon info is sent to the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 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: NC

Complaint narrative:
Information remains on my consumer report despite filling the necessary documents to have all removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I borrowed {$500.00}. I call today to find out my pay off amount and was told it is {$510.00}. 

I have been making weekly payments of {$65.00} and to date I have paid {$840.00}. They are now expecting me to pay another 27 payments. Which means when I am done paying I will have paid {$2800.00} on a {$500.00} loan. 

Account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
I have two purchases on my my account ( 1st XXXX {$280.00} and 16th XXXX {$240.00} ) I tried to contact the merchant and no response.So I started this dispute and citi credit card representative tell me I did not respond them so that the case closed .in the meantime, I did not get the letter, email or telephone call from Citi .

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 2020-01-06 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:
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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 tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
On or about XX/XX/19, Jefferson Capital Systems appeared on my credit report as a creditor trying to collect an alleged debt to {$20000.00} for the account number XXXX. I received no communication of this entity acquiring by transfer, assignment etc, the alleged amount in incorrect and I have a letter from XXXX showing a lesser amount owed. These are violations of the FDCPA and the FCRA, of which I have the private right to bring a suit against all parties. This has negatively affected my ability to obtain reasonable interest rates on future financial products. There is also identity theft due to the fact that my personal information, to include social security account, has been possibly breached without my authorization.

Company response to consumer: Closed with non-monetary relief