vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An ID THEIF applied for and received a credit card in my name from Chase Cardmember Services ( Chase Bank ), who subsequently closed account due to concern about validity. They informed me via a letter referencing " my Account '' ending in XXXX. I called their ID Theft line XXXX and asked for further information about the application, to pass on to law enforcement. Chase Cardmember Services refused to release it to me unless I put the request in writing, along with a copy of my Govt-issued ID and an Affidavit from the FTC. 

That is a lot of work and additional exposure to gain access to information they clearly have available but are reluctant to share.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 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: LA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Specifically online bill payments of {$1900.00}. on XXXX and {$2000.00}. on XXXX both to XXXX XXXX. The management office denies receiving the payments. 
Two management agencies are involved, XXXX XXXX for the XX/XX/2019 payment and XXXX XXXX XXXX for XX/XX/2019 payment. On multiple occasions I spoke with CitiBank online services. On two occasions I received written documentation that XXXX XXXX  did not receive payment. XXXX XXXX no longer manages XXXX XXXX. I called XXXX XXXX  to inquire about the payment and the accounts manager informed me that they did not receive any payment. XXXX XXXX also denies receipt of either payment for dates referenced and Citibank has not credited my checking account for the total {$3900.00}. dollars. 

Please sort this problem so that my checking account is correctly credited. 

Thank you Citibank Response reference numbers XXXX, /Trace # XXXX for XXXX. XXXX XXXX # XXXX for XXXX. Acct ending 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 monetary relief
Consumer complaint received 2020-05-28 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2020-05-28 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: FL

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 FICO 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 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
WAKEFIELD AND ASSOCIATES Last reported XX/XX/XXXX {$210.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name. 

The above company is trying to collect on a medical bill that I was never billed for. I submitted the insurance card at time of visit and the intake officer did not submit my insurance for payment of visit. I have had insurance coverage since XXXX. I have contacted the company several times and they have not removed the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: LA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 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: LA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 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 had a collection report of {$68.00} dollars on all my credit reports for XXXX XXXX being reported by XXXX XXXX XXXX un 2018. It is the only derogatory collection on my report thus far. I paid off the bill but I was requesting for a pay to delete for it to come off my credit but they are saying they can not delete it off my report even with the paid item. It is showing also that I had disputed this item still though I had gotten a letter stating that they were reporting the debt correctly. I was writing a request for both the bill and the dispute remark both to get deleted off my credit because paid in full and the remark will not help my credit scores. I appreciate your consideration on this. This was a medical bill for my daughter that I overlooked with the company long ago. I didn't see that bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: FL

Complaint narrative:
I had a collection report of {$68.00} dollars on all my credit reports for XXXX XXXX being reported by XXXX XXXX XXXX un 2018. It is the only derogatory collection on my report thus far. I paid off the bill but I was requesting for a pay to delete for it to come off my credit but they are saying they can not delete it off my report even with the paid item. It is showing also that I had disputed this item still though I had gotten a letter stating that they were reporting the debt correctly. I was writing a request for both the bill and the dispute remark both to get deleted off my credit because paid in full and the remark will not help my credit scores. I appreciate your consideration on this. This was a medical bill for my daughter that I overlooked with the company long ago. I didn't see that bill.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have received a letter that one of my accounts are closed and they state my credit score to be at XXXX, when this is false. They closed my account for no reason or for the wrong reasons. I have a credit score above XXXX. This is not right that they state my credit score is lower than what I see providing false information.

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 2020-05-28 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
The problem is with my bank Wells Fargo. I requested a deferment on XX/XX/XXXX for a retail account that is through WF. XX/XX/XXXX I noticed I had a late fee of {$27.00} and made contact with WF on XX/XX/XXXX in regard to this problem. They removed the late fee immediately but not before XXXX XXXX reported my credit score as having decreased by 4 points because of an increase of usage ( {$27.00} ). I rely on my FICO however, I have found XXXX XXXX XXXX report to be the same. I have requested a " letter '' for my records for the past 4 weeks. I want a letter that states they didn't process my deferment for 5 weeks from XX/XX/XXXX until XX/XX/XXXX and that through no fault of my own I was charged with a late fee. I am or should be entitled to a letter with the above instead of the basic rote WF sent me. 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 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am trying to make a XXXX account to invest in crypto. I was able to make the account, but PNC doesn't let me link my bank account to my XXXX  account. This is obviously very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX I called the bank, on the XXXX I believe and dismayed that all of my accounts were marked on hold and I asked why noone had informed me. The Office of the President wrote someone called me about my account past due. I never received this call and need a copy of the tape or a transcript of what was said. The Bank should have a copy of the other calls, each time transferred to an account specialist that would not give me accss to my cash funds in the checking account to pay their own credit card balance due for XXXX. After almost a month, the last spcialist allowed me to do so. 
The FDIC thought the CFPB should take the lead XXXX in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Trying to link my PNC bank account with XXXX and they arent allowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TN

Complaint narrative:
On XXXX XXXX I sent a letter to the credit bureaus asking how did they come to the conclusion that I have 6 bankruptcies on my credit which is impossible being that Im only XXXX XXXX old. Also by law I know if the can provide me with the information that they have to remove the questioned items from 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 2020-05-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The amount in dispute is {$40.00} in unauthorized charges. These are itemized as immediately follows, XX/XX/2020 - {$7.00} x 2 for tolls XX/XX/2020- {$6.00} x 2 of 3 charges for XXXX XX/XX/2020- {$9.00} forXXXX It appears that Citi May have added charges where they were supposed to have credited for the tolls and for XXXX. 

When Citibank failed to keep their promise that disputes had been resolved, as per their email of XX/XX/2020, and were unreachable by phone, I filed a complaint with the XXXX  on XX/XX/2020. They have not responded. The account is closed and paid in full. Citibank continues to show a balance for the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
XXXX  IS REPORTING FTC VIOLATIONS STATED : XXXX/SOURCE RECEIVABLES M {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: LA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 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: LA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 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:
From XXXX I had a residential mortgage with XXXX which I was informed is under the control of XXXX Bank. This account was transferred to another lender in XXXX before XXXX Bank took over. In XXXX, XXXX, the mortgage was reported as 30 days late to each of the XXXX major credit reporting agencies. When I reached out to file a dispute to have this item removed after XXXX, XXXX ( 7 years from the date of the first delinquency ), XXXX changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to XXXX to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by XXXX is correct, thus allowing XXXX to continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.

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