vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 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:
I am no longer an authorized user on the XXXX XXXX  account ending in XXXX but its still reporting to my credit score.

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 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: AZ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS ( DUE TO COVID 60 ), I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 60DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I am on a IDR plan for income based repayment. My IDR documents clearly state that it doesn't expire until XX/XX/XXXX. However Navient started charging my account for payments starting back in XXXX of XXXX. I called to talk to them ( XX/XX/XXXX ) and let them know on the FSA website my IDR states it is not expired. They said well we need you to submit a new one because it was only good for them until XX/XX/XXXX. I couldn't get a real clear answer from them. I figured the date was extended on IDR 's submitted in XXXX due to Covid. So they shouldn't be charging if my IDR is not expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX abruptly terminated my AMEX Platinum credit card and Hilton Honor card WITHOUT any documentation or recording - NOTHING. 

Hostile action by AMEX forced a LOSS of over XXXX reared points worth over {$650.00} In addition there was a credit balance on the account of {$0.00} and the ruthless AMEX billing department failed to send me full compensation.

ZERO NOTHING.

CEO XXXX XXXX was notified and IGNORED request for arbitration and ignored full payment after account forced closure. 

DISHONESTY is allow in the banking industry to terminate accounstwith ZERO evidence! 

Four times AMEX has IGNOred issues on reared points LOST due to AMEX hostile action. 
1. AMEX XXXX reward points 2. Hilton Honors XXXX reward points 3. {$0.00} credit balance NOT paid out by amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone of Bank of America called me relating about a suspicious transaction in my account in Texas and it was transferred to my account {$3500.00} and my phone number was changed to XXXX XXXX  and I had to take it back by transferring back my phone number to my Bank of America account. I sent the money to my phone number and it was someones name. I gave them the code they sent me and made the XXXX transfer to my phone number with another persons name. I lost my money to this thieves.

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 2021-08-13 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: ERC
State: CA

Complaint narrative:
Enhanced Recovery CO L is reporting an account from XXXX account number ending in XXXX in the balance of {$2800.00} on my credit report I have no knowledge of this account and Im asking this collection agency to furnish full proof that this belongs to me and if no proof is given within 30 days by law under FCRA this needs to be removed from all three credit bureaus immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have written the CRA numerous times to remove a late payment that is reporting on my account with XXXX XXXX. I previously demanded that CRA delete the late payment on my account. But CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I have never given any CRA written instruction to report anything on me let alone a late payment. And when I gave them written instruction demanding what I want, they ignored my instructions and continue to report inaccurate information, that is unfair and unequitable to me as the consumer.

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 2021-08-13 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is reporting a XXXX  XXXX account ending in XXXX on my credit of which I have no knowledge of this account Portfolio Recovery needs to furnish full proof within 30 days that this account is mine and if no proof is given then by law under FCRA this needs to be removed from all three credit bureaus immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I already filed a complaint, # XXXX, Bank of America denies to accept my claim because they say they have documents that show that I used the atm card or authorized someone to use the card to make a charge of XXXX dollars. 
I have requested them, over 7 times, to send me those documents but they never send them to me and I keep receiving letters telling me the same thing over and over again, now they want me to send them the bank statements where it shows I didn't authorize the charge, I know, doesn't make any sense, this is going in since the first week of XXXX. 
Bank of America does not accept this is an unauthorized charge to my checking account, what else can I do?

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 2021-08-13 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: FL

Complaint narrative:
I filed a complaint on Equifax complaint # XXXX. No where in that complaint did I say anything about inaccurate information in my credit file. Yet this was their response : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 
They did not even read the complaint. They could not have and responded like they did. My complaint was about Equifax denying me my right to view completed dispute results. Wow. They did not even read my complaint. The results of many of my disputes are available online but I have no way to access them. My complaint was pretty clear. wow what a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: CO

Complaint narrative:
Back in XXXX i rented a car. when i returned it XXXX took days to get it checked back in. well they ended up charging my credit card over {$2000.00}. I ended up disputing it and XXXX issued a refund. well when they issued me a new card they ended up creating a new a new account. well that original account still continues to report with an open balance of {$2000.00} over limit. its taking a huge impact on my score. i have sent messages, letters with proof, called them and nothing gets done. i just want it updated to XXXX. becuase it has not been updated its showing my utilization at over 400 % and and because of it the utilization the points that were taken when first reported have not been retured. the longer this goes on the less likely that my credit will repair it self when the reports are fixed per first progress

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: TX

Complaint narrative:
I have written the CRA numerous times to remove a late payment that is reporting on my account with XXXX XXXX. I previously demanded that CRA delete the late payment on my account. But CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I have never given any CRA written instruction to report anything on me let alone a late payment. And when I gave them written instruction demanding what I want, they ignored my instructions and continue to report inaccurate information, that is unfair and unequitable to me as the consumer.

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 2021-08-13 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I sent letters to the Navy Federal CEO XXXX XXXX and the XXXX department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the Navy Federal CEO, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am not a Capital One customer. Capital One does not have my permission to access my personal information nor share my information with third parties. I told Capital One to cancel their XXXX services and they are ignoring my request and breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I Have Contacted The US Department Of Education Multiple Times. I Was In School During The Time The Loan Was Charged Off. I Stated That Several Times. There Was A Very Short Period Of Time I Was Not Enrolled In School But When I Re Enrolled They Still Expected Payment. Its Partially Navient 's Fault. Now Tih Covid 19 I Found Out That You Can Have Your Payments Waived Due To Covid 19 And They Count As Revamping The Loan To Put It Back Into Active Status Yet They Wont Retroactive It.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: PNC Bank N.A.
State: DC

Complaint narrative:
Recently purchased XXXX XXXXXXXX from a reseller for XXXX The receipt indicated a different date and the product was defective. Reseller refused to accept the return but XXXX was able to replace the charger for the XXXX. Per the discussion with the XXXX XXXX requested PNC to dispute the transaction and refund. PNC indicates they have investigated and refuse to refund the {$310.00} for the defective item. 

XXXX has provided written feedback on the defective sale which is with PNC. Require PNC to reverse the payment and provide information on why they have not yet provided this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sylvania Acceptance Corporation
State: OH

Complaint narrative:
I received a notification on my Credit Report from Universal Acceptance. I called because they had put it as I was trying to buy a car. I called and said it was illegal because I was not trying to buy a car from them. This year a week ago it fell off my credit report and I have been making XXXX dollar payments every since she made it as though I was trying to get a car and pulled my credit report. They are in violation of my FCRA rights, they regard the debt threatened me to take me to court and garnish my checks, and the debt is out of the SOL ( statue of limitations ) in Ohio. The debt shouldnt have been collected any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
I changed my physical phone and phone number associated with my Coinbase account and did not change my information over prior to making the change. I've been trying to contact Coinbase and they have been unable to help me for two weeks now via email as they do not have any live customer support. They've told me there is a process for fixing this and regaining access, but every time I try their recommendation there is either a step in the process that is not possible or impossibly unclear instructions. I've provided all of my verification information multiple times including the same ID that was used on the original account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I Paid Off The Credit Card I Had With JPMorgan Chase Earlier This Year. The Agreement Was Pay For Deletion. Even though The Transactions Where Fraudulent And I Reported That Several Times With Chase Bank. I Paid The Full Amount To Remove The Credit Card From My History And It Is Still There.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: MS

Complaint narrative:
Account Name : XXXX XXXX Account No. XXXX Balance : {$1400.00} - The date open did not change. I have disputed this on XX/XX/XXXX with the credit bureaus or credit reporting agencies but up to this day, they are still reporting the date open inconsistently. 



Account Name : XXXX XXXXXXXX XXXX Account No. XXXX Balance : {$990.00} - The credit bureaus are still reporting this account inconsistently. The only credit bureau that has provided information for the date of last payment is XXXX and it's on XX/XX/XXXX. I see that the other two national credit bureaus have not provided this information on my credit report. There is no possible way that they verified this account as they have falsely claimed as per the FCRA. 



Account Name : XXXX XXXX Account No. XXXX Balance : {$1200.00} The account status is still the same. XXXX is still reporting this account as " Open '' while the other two bureaus are reporting this as " Closed ''. I'm on my fifth letter with the credit bureaus and they still couldn't get this right. Is this account verified through different furnishers? 


This is a formal complaint against XXXX, Equifax, and XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: T.S. Holdings
State: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681a ( D ) ( 2 ) ( B ), where as my consumer report doesnt include any authorization or approval of a specific extension of credit directly or indirectly by the issuer. Therefore my character, credit worthiness and reputation are in question which goes against the law previously stated.

Company response to consumer: Closed with explanation