vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: AL

Complaint narrative:
This was a settlement offer with Citibank the home Depot I paid the {$340.00} it was XXXX my social security number is XXXX their phone number is XXXX i paid this in full I have contacted them because it's still showing on my credit report is due this needs to be removed and showed that the credit card from home Depot with Citibank was completely paid off and it's not showing that on my credit report this was paid a month ago I have talked to them and they said that it takes time to take it off but this is getting ridiculous they're saying they're saying that they sent me a letter proven that I paid it off and I'm not received any letter and this letter was supposed to have been sent XX/XX/2021 I hope you guys can help me my phone number is my phone number is XXXX I can't find their account number but you can call them up and give him my social security number and they will find it okay I have a partial last for the account number is XXXX with Citibank the home Depot this was paid off to {$340.00} the settlement amount was paid off on XXXX the XXXX of 2021 can you please help me to get this off of my credit or show is completely paid because it's ruining my credit history thank you very much if any problems please give me a call XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX of XX/XX/XXXX, my close friend XXXX flew on XXXX XXXX from XXXX to XXXX XXXX and back. During the flight, the flight attendants were handing out applications for the XXXX XXXX XXXX XXXX XXXX Mastercard, which offered {$0.00} intro annual card fee for the first year and XXXX bonus miles, if you made a small purchase within 90 days. XXXX took one for himself and one for me ( XXXX ). The flight attendant said this was okay. Once you filled the application out, you could hand it to the flight attendant or mail it in or do the same online. XXXX decided to do it online, but there was no box to enter the promotional code from the application he was handed. The credit card company rejected his application because they claimed they could not verify his identity - even though he had just gone through the security checks at XXXX 's and XXXX XXXX XXXX  airports security check points with proof of negative covid tests. His XXXX XXXX Acct. # XXXX. 
When I applied, I ran into the same problem online - no promotional box to enter the promo code - they approved my application and sent me a credit card. I made a small {$20.00} purchase with it to get the XXXX miles. Instead of what was offered on the in flight card application, I received no miles and was charged a {$99.00} annual fee. I contacted customer service, explained the problem and gave them the promo code I had. They advised me to go ahead and pay the monthly fee until this was resolved. Several weeks later, I received a letter from them stating that they wouldn't help me with the " Rewards Issue ''. Now, I am stuck with a credit card I do not really need, no XXXX bonus miles and a $ XXXX  yearly credit card fee.

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 2021-08-31 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: NJ

Complaint narrative:
After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 


XXXX XXXX XXXX XXXX XXXX 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 2021-08-31 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: NJ

Complaint narrative:
After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I have contacted this company on several different occasions regarding the company fraudulent attempt to collect a debt. 

The FDCPA provides debtors with a means for challenging payoff demands, and for determining the validity and accuracy of asserted debts. 15 U.S.C. 1692g.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I requested that this company provide proof of ownership and the company refused to do so. The court has recognized that a consumer should not have to pay a debt to one party only to find out later that another party is the true owner XXXX XXXX XXXX XXXX XXXX. Adequate proof of ownership is essential because debt buyers purchase large portfolios of accounts. A debt buyer must prove it has been assigned an account through proper documentation specifically related to a particular account at issue. XXXX XXXX XXXX XXXX XXXX XXXX This company failed to provide such documentation.

The courts have held that a memorandum or other statement from the debt buyer of 3rd party collector that it has received assignment of account at issues is insufficient. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a copy of the original authentic contract to verify the validity, terms and conditions of alleged debt. 

I requested a full authentic billing statement that would show the attempted balance is correct. The company failed to provide such information. 

Without being able to proof ownership, a contractual obligation, or certify a balance this company is in default of the Fair Debt Practice Collection Act.

I provided affidavits of truth as well in an attempt to resolve this matter as permitted by the Federal Civil Procedure Code and the company failed to provide a rebuttal and is currently in default.

Furthermore I have never provided the " original creditor '' with any permission to provide my information to a debt buyer or 3rd party collector. This company is infringing on my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/2021 discover closed my account stating it was a business decision to close my account because personal information was not able to be verified. However, on XX/XX/2021 I signed and returned the IRS consent form XXXX discover requested in order to verify my information. I provided all my personal information accurately and weeks later they still closed my account because they apparently were not able to verify my personal information. I called and attempted to have this resolved with the company and they would not help me. The only response they would provide me is it was a business decision to close my account and they could not help me any further. Ive had this credit card for over 3 years and Ive never missed a payment. I also use the credit card often. They closed my account and now my credit score has lowered. I was hoping that my credit score would not be affected since this account was in good standing prior to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: MD

Complaint narrative:
I was a victim of identity theft. There are accounts on my credit report that I did not authorize nor do I recognize. They are listed below - XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XX/XX/2019 - XXXX - XXXX  XXXX XXXX XXXX - XXXX  -XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 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: MD

Complaint narrative:
I was a victim of identity theft. There are accounts on my credit report that I did not authorize nor do I recognize. They are listed below - XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX  XX/XX/2019 - XXXX - XXXX XXXX XXXX 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 2021-08-31 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: MD

Complaint narrative:
I was a victim of identity theft. There are accounts on my credit report that I did not authorize nor do I recognize. They are listed below - XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XX/XX/2019 - XXXX  - XXXX  XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
XX/XX/XXXX my report showed that I had opened a XXXX  account that I have no idea about. I was XXXX  my country at the time in XXXX. XX/XX/XXXX it shows as a b by balance of XXXX and its impacting my life badly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/2021 - {$2000.00} XX/XX/2021 - {$1500.00} I have contacted Chase Bank and they said they were unable to help in this matter due to it being a XXXX payment. I have called multiple times on this matter. They finally said I needed to contact XXXX to which XXXX states it only handles transactions made in their app, not through a banking app such as Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase has placed a hold on my account, without any noteworthy activity on the account. CFPB previously assisted in an account issue a couple years ago for the same account, and now we're back at it. 

If my account is not restored within the specified timeframe, and access to my funds remains blocked, I will pursue legal action. Case ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: IL

Complaint narrative:
Experian did not have my written consent to put the accounts Ive requested removed in the affidavit attached.

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 2021-08-31 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had approximately {$3000.00} withdrawn from my account. CHASE bank will not reimburse since they indicated my card was used. 

I didn't withdraw the money and it was performed at a teller window in XXXX NJ. 

The bank keeps denying the claim I want my funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Retrieval and access to my credit report disclosed multiple inaccuracies regarding an alleged " student loan investigation '' The investigation is only showing onto two credit bureaus ( XXXX  and TransUnion ).

I have not filed any student loan investigations in the past year or so. Further, the record is obviously long-lived its mandatory thirty-days investigation period.

This situation is negatively affecting my credit standing and scores which reflects systemic bias and inefficiencies. These errors seem to intentionally being reported by these entities without any consequences nor ramifications.

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 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
Unauthorized use of credit report. Several violations of FCRA, FDCPA, and Truth in Lending Act have happened against me, a Federally Protected Consumer. Before cease and desist was sent I was being called regularly by Monterey Financial Services during working hours and being harassed. They have left multiple automated messages on my phone in which are saved, date such as the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. Also, other violations which were noted in a certified mail letter and delivered by USPS system on the XX/XX/XXXX which include 9 other violations. Monterey is civilly liable for knowingly violating me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

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 2021-08-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I gave dispute multiple times no changes have been made accounts have be duplicated late payments appear that shouldn't due to covid-19 I've paid off debt and have not gotten any of my points back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX bank account was closed never received a letter as to why advised 30-60 days XX/XX/XXXX - was advised a check was sent by one agent then advised to go to the branch then advised they were not giving my money back then advised they made no decision I keep asking for a letter or my money they never have a straight answer or can help me Citibank has robbed me of {$7600.00}

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 monetary relief
Consumer complaint received 2021-08-31 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I contacted XXXX  regarding an unauthorized hard inquiry on my consumer file. XXXX  did not properly investigate the dispute. The telephone number listed on the inquiry is a non-working number. Additionally, the company claimed they did not request my credit profile although it shows up on my XXXX consumer file. 

Furthermore, I called XXXX again to inquire about receiving {$1000.00} compensation for the false reporting. I received a callback from XXXX on XX/XX/2021 before XXXX PT. XXXX removed the inquiry but stated I could not be compensated just because I asked. XXXX violated the FCRA and I am entitled to compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
I received a letter from Credence in regards to a XXXXXXXX XXXX XXXX account with an amount of XXXX. This account is not mine the address on the billing receipt is not my address nor has never been my address XXXX XXXX XXXX, XXXX, Ma XXXX. 

This account has claimed to be validated I received some fake signatures that are not mine. 

This account is not mine I requested this debt be sent back to the original creditor based on inaccurate information reporting under my name and doing DAMAGES to my reputation with false claims against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
On XX/XX/2021 I wrote a letter to XXXX XXXX asking for voluntarirly cancelling my card, letter enclosed. On XX/XX/XXXX I received a email stating account closed. | When I got my copy of my report from Transunion it showed it still active. THEY WILL not in good faith assist me with this problem.

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