vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express opened an account under my name without my permission in XXXX and I didn't notice nor report it until XX/XX/XXXX after checking my credit score. It is still listed as a closed account but it is identity theft and should not be under my name in my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX Card, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with XXXX, Experian & XXXX XXXX to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status.

I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX
MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a credit card with Bank of America. I scheduled an auto-payment and received a confirmation that payment would be made on XX/XX/XXXX. However, I then changed the auto-payment options from minimum payment to the full balance due. On XX/XX/XXXX, I notice no payment had been made and called Bank of America. They explain that changing any auto-payment option cancels that month 's payment entirely, with no alert or notification while continuing to say that auto-payment is set up correctly. 

Essentially, they have intentionally set up their system to dupe customers into thinking auto-payment is engaged, causing them to miss payment dates, and to extract late payment fees.

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 2020-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I got a Loan for {$500.00} from XXXX XXXX in XXXX. It was not totally paid. In XXXX, NCA put it in my credit report that it was opened in XXXX even though it clearly shows that the last pymt was in XXXX. They did this because the seven year reporting period was expiring. So now it shows as a new debt that is in collection and will negatively affect my credit for seven additional years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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:
Consumer Financial Protection Bureau. 

EXPERIAN CONTINUES TO REPORT THAT MY DISPUTE OF THE FRAUDULENT MORTGAGE ACCOUNT BY XXXX XXXX XXXX REPORTED TO MY CREDIT FILE AS A DUPLICATE FOR THE SEVENTH TIME. 

My credit file with Experian lists an FRAUDULENT MORTGAGE IN MY NAME. Experian continues to report it even when I have provided a POLICE REPORT OF THE ACCOUNT REPORTED AS FRAUD.

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 2020-08-29 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: CITIBANK, N.A.
State: MN

Complaint narrative:
Macy 's assessed late fees to my account in error which subsequently resulted in a massive charge of late fees and inaccurate reporting of late payments.

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 2020-08-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX, I was laid off my job. I immediately contacted XXXX regarding my Platinum card. They advised that they would help me establish a payment plan and the card use would be placed on hold. Until this juncture, I had been a current customer for almost 5 years. A positive and lengthy history. 

The arrangement was to pay monthly and all past due balances needed to be paid in full by XX/XX/XXXX. I satisfied this payment arrangement and XXXX waived the XXXX annual fee but restricted access to credit to a {$1000.00} dollar limit on this card. This is a high annual fee card, {$490.00} a year. I asked when the {$1000.00} dollar limit restrictions would be lifted. I was advised I needed to provide another year of history. 

A year later, XX/XX/XXXX, I had to pay the {$500.00} annual fee but XXXX still has not removed the {$1000.00} limit restriction. They also will not provide an estimate of when they will remove any internal credit limit restrictions. Additionally, for the year of XXXX, they incorrectly reported to the credit bureaus that I was under a payment arrangement. The payment arrangement was satisfied over a year ago. I had 1-30 day past due over a 5 year history and this is being considered a negative on my credit reporting due to how XXXX is improperly reporting my credit history.

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 2020-08-29 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:
Consumer Financial Protection Bureau : PLEASE STOP ALLOWING EXPERIAN TO CLOSE MY DISPUTE AS DUPLICATE. THIS IS NOT A DUPLICATE DISPUTE. 

XXXX XXXX XXXX  CONTINUES TO REPORT A FRAUDLENT ACCOUNT TO EXPERIAN AS BELONGING TO ME. 

I have notified experian. I have filed an identity theft affidavit WITH THE FEDERAL TRADE COMMISSION which I have attahced. I have also attached the police report of identity theft. I UPLOADED THE POLICE REPORT to Experian DISPUTE PORTAL 10 TIMES. 

EXPERIAN HAS PREVENTED ME FROM DISPUTING THIS FRAUDULENT ACCOUNT and ALLOWS XXXX XXXX XXXX  to continue to report EVEN THOUGH I MADE A FORMAL REQUEST TO HAVE IT BLOCKED. 

ON XX/XX/2020 EXPERIAN CLOSED MY DISPUTE STATING THAT IT WAS A DUPLICATE WITHOUT INVESTIGATNG OR ALLOWING ME TO DISPUTE IT ON EXPERIAN 'S DISPUTE PORTAL.

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 2020-08-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2020 I faxed XXXX XXXX from XXXX XXXX XXXX a copy of the Promotional Inquiries and Account Review Inquiries of my Trans Union Credit Report. My Trans Union Credit Report does not show an inquiry from XXXX XXXX XXXX on XX/XX/2020. I received a letter from XXXX XXXX stating that " Our research found that when we review a customer 's credit report for a possible credit limit decrease or increase, the credit inquiry is a soft inquiry, which does not impact a customer 's credit score, and does not appear on a customer 's credit report. 
I feel this information is not true. My Trans Union Credit Report shows Promotional and Account Review Inquiries which all are soft  inquiries. I would like XXXX XXXX to provide me a copy of the soft inquiry credit report she received from Trans Union on XX/XX/2020. 
If she is unable to show me a copy of this soft credit report from Trans Union she received on XX/XX/2020, I would like her to explain why my credit card credit limit was decreased.

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 2020-08-29 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: Choice Recovery, Inc.
State: FL

Complaint narrative:
I have a good relation with XXXX and have no outstanding payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR XXXX  XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX i called tec. support for some help my question was how do i put cash coming in on my cash app card instead of it going to my checking account. The person i got on the phone useing a number i got online for cash app tech. support said he was cash app support and he could help me with doing that so we went thru process of him making it possible for money received to go to my cask app card sent by cash app. Well i got concerned because the process was taken to long for some thing i thought should be simple to do. He got into my cash app account and i could see him sending money to a XXXX XXXX XXXX XXXX cash app $ XXXX. after seeing this i hung up the phone, then i get a e mail from cash app saying they have detected unauthorized activity and they locked my account to protect my funds then i get message that they have refunded me the XXXX and unlocked my account and that i was good to go this was on the XXXX XXXX. So i try to go to my cash app account and i can not get my account has been unlinked is the message that i get, I have been calling cash app and i have not been able to talk to no one and my money has not been returned to my account i worked for that money and i want it back asap and i want my account back. I called tech. support from a number i got off line for cash app and the number is still on line as tech support for cash app XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Disputing 30-day delinquency reported to Credit Bureaus. 
- Citibank website 's Auto-Pay did not work and as a result, payment was not made. 
- As I do with all my cards, when I get a new card, I go online and set up auto-pay for the min amount, though I typically pay the full amount, this is a just in case measure. For some reason, the new Citi Mastercard auto-pay did not work for XX/XX/2020 and it went past due. When I found out, I immediately went online and paid in full and reset the auto-pay. 
- This was back in XX/XX/2020, I am an essential employee in telecom and due to the crisis, my responsibilities required me to work 60+ hour weeks. While I would normally double-check all my banking accounts, I did not do that during XX/XX/2020. 
- I called Citi and spoke to Supervisor Agent XXXX ( XXXX ) explained the situation and and was referred to the Citibank Credit Bureau Department. 
- Through a series of postal corresponded beginning on XX/XX/XXXX, and XX/XX/2020, I explained the situation to the Citibank Credit Bureau Department. 
- On XX/XX/2020 I received a letter from them saying : " The above account was removed from credit report because the account was part of brand conversion ... Please allow 30 days for ( credit bureaus ) update their files. " - As of this date XX/XX/2020, this info still shows up on my credit report. I called Citi and spoke to Supervisor Agent XXXX ( XXXX ). He says the reporting is correct but will refer it back to Citibank Credit Bureau Department I have been a Citibank customer for ( a previous card ) for many years. Up until this incident I have had an exceptional payment history. The disputed amount for that month was only {$140.00}, since Citibank had access to my checking account there should have no problem in paying full amount that month and not having to blemish my credit report. If for example, I had mailed a check to Citibank and they lost it, it would not be proper for them to report a late payment to XXXX? 
I hope there is something that the CFPB can do to help me with this situation. Thank you.

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 2020-08-29 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: PA

Complaint narrative:
on XX/XX/2020 I 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 im 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 30 days 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 dehand 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation