vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have filled a dispute in regards to the incorrect items on my XXXX  credit report. It had been well over 30 days and i haven't received any investigation results

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 2021-01-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX/ XXXX  XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: U.S. BANCORP
State: LA

Complaint narrative:
I have filled a dispute in regards to the incorrect items on my XXXX credit report. It had been well over 30 days and i haven't received any investigation results

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 2021-01-09 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: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have filled a dispute in regards to the incorrect items on my XXXX  credit report. It had been well over 30 days and i haven't received any investigation results

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 2021-01-09 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: GA

Complaint narrative:
On XXXX XXXX, 2020 I sent a letter addressing inaccurate things on my credit report and to this day over 60 days later I have not received a response from them. I believe that I am being taken advantage of by not having my dispute addressed. I did some research and understand that Section 611 ( a ) says that any failure to investigate items within 30 days gives a reason to immediately remove these items from my credit report, well it has been over 60 days so I believe they should be deleted promptly. 

As such, I am demanding that this account be deleted immediately or I will file for litigation because the stress this is causing me which is a culimnation of the Equifax Data Breach that I was already subject too having all my personal info and my family personal information in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
In reviewing my credit report found a collect list from XXXX XXXX XXXX send to Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX this account wasn't opened by myself XXXX XXXX or my wife XXXX XXXX XXXX. We have spoke with Credence XXXX and transferred to XXXX at which time we were advised to made a police report and they will send us an information package. The amount of this charge is {$1300.00} this account was made in TX according to Credence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09 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: NJ

Complaint narrative:
I am not responsible for this account. Please have Equifax stop reporting me late 19x This is destroying my credit. I am being denied credit for the most basic store cards to help try and get some kind of cash back $ so I can actually save some money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
My company is about my reliacard I try using it at the store and decline never had a problem with it till now the USBANK put a block on my card for a address change that on my ID that they have on file some address it been going on for 2 1/2 week now they told me send them a picture of my ID and picture of me.so I did and it only suppos to take 1 to 2 business day it's been 2 1/2 week I half to pay my Bills I call them everyday and they give me the something every day that they have to review my pictures so I send them one everyday and nothing I was getting at yall to see if yall can help me to unlock my card please. And I was looking at the bank reviews and there all bad that the bank put a hold on there card and took there money I'm asking for some help

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 2021-01-09 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: TX

Complaint narrative:
This has been going on for 18 months. XXXX  XXXX XXXX is incorrectly reporting payments. I consolidated my student loan with XXXX in XXXX of XXXX, paying off XXXX  XXXX completely. When we went to buy a house in early XXXX, we found that they were saying I was 120 days late as of XX/XX/XXXX. When we submitted a dispute, they told us it was correct. I went to check the emails they sent to my mailbox on their system and they were no longer available because the account was closed. They continued to report it wrong until I finally a lawyer involved. So he started to challenge the entries on my credit report and every time he does, XXXX  XXXX XXXX  reports to my credit reports erroneously which then lowers my credit score even more. This is retaliation because we want them to report correctly and correct their mistakes. Eventually, they correct the mistakes, but it does not correct the damage they have done. It has happen again where they are saying I am 120 days late as of XX/XX/XXXX when they were paid in full in XXXX of XXXX. 

This is costing me the chance to buy a house and thousands in high interest rates. I don't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: WA

Complaint narrative:
Called bank to close my account in mid XXXX. Bank was supposed to mail a cashiers check for $ XXXX which was my account balance at time of closing. As of XX/XX/21 I have not received my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I closed my savings and checking account with Citibank on XX/XX/XXXX. I was told the account was closed. On XX/XX/XXXX, interest of {$.00} hit my account. Instead of sending me this interest and closing the account, Citibank charged me monthly service fees and overdraft fees. I called on XX/XX/XXXX request account closure again. The representative reversed the fees and promised to close my account. However my account was still not closed ( because of a {$.00} interest payment balance ) and now I am being charged monthly service fees and overdraft fees again. I called on XX/XX/XXXX and they are refusing to reverse the fees and close my account. This is entirely their fault as I tried to close my account.

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 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
I attempted to open a new checking account and was told I couldnt due to a hold on my credit from US Bank. The account had been closed several years ago in person in the branch. US Bank is claiming I owe money that I do not. I contacted them for the documents and they have refused to produce proof of money owed, statements, or anything else. I spoke with supervisors that said they would send them and now they have sent nothing and will not respond. Their representative told me they would not speak with me until I paid the account! I do not owe anything and this should be fixed immediately on my credit and the hold removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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:
Trans Union is still listing accounts that I am no longer responsible for

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 2021-01-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking account with Chase as they were offering a {$200.00} cash back offer. Two days later, before even receiving my debit card or making any transactions on the account, I receive a notification when logging into the Chase app saying my account was suspended due to suspicious activity. After calling customer service, they claim the only way for me unlock my account is to visit a Chase branch, which I absolutely will no do during these pandemic times. This is an incredibly irresponsible practice by Chase that they've yet to explain the reason for, and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Phoneix Recovery Reporting Negative Collection account to Credit Bureaus XXXX XXXX and XXXX for an Account related to ID Theft at XXXX XXXX XXXX. Requesting Permanent and Immediate Removal and Discharge of Unauthorized Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: FL

Complaint narrative:
There is currently an account and numerous inquiries listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-01-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
See attached correspondence dated XX/XX/XXXX, by XXXX XXXX. In their letter, XXXX XXXX alleged that the original Lender XXXX endorsed the note to Countrywide Bank N, A, who later filed an insurance claim on XX/XX/XXXX. A closer look into the note reveals that the original lender homecomings never endorsed the note to Countrywide Bank N, A. The note reflects two false and forged endorsements. The note reflects an allege endorsement from XXXX XXXX XXXX to Countrywide Bank, N, A. This endorsement is false because XXXX XXXX is a defunct corporation since XX/XX/XXXX, The birth of the loan was on XX/XX/XXXX, which means that XXXX XXXX could not have endorsed the note to Countrywide Bank N, A, because they had closed for business 6 years BEFORE THE CREATION OF THE NOTE ON XX/XX/XXXX. How can a company who no longer exist and closed able to make an endorsement????? How???? How is it possible????? Only by engaging in fraud. Countrywide could not have made an insurance claim on XX/XX/XXXX, because Countrywide ceased to exist as a Corporation since XX/XX/XXXX. At this juncture we are asking countrywide to explain how the endorsement from a defunct company ( XXXX XXXX XXXX was able to name them on a note???? How is this possible when the lender closed on XX/XX/XXXX, before the birth of the loan on XX/XX/XXXX????? What came first XXXX or 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 2021-01-09 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: CA

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX started and I was evacuated from my home fearing my life and not knowing whether i would have a home to come back to. I was evacuated for several weeks living out of hotels and accruing costs for food and housing that was completely unplanned.Unfortunately with all the chaos going on I fell behind in some bills. I contacted XXXX XXXX to let them know my situation and to make a payment arrangement. At the time my account was already past due. I pleaded with them my situation since prior to this my account was always in good standing. They refused to remove the late fee. I was not able to occupy my home until XX/XX/XXXX. Other credit card companies have been willing to work with me. I noticed that I know have a 30 day late notice on my credit report. The only negative mark on all of my 6 credit cards, car loans etc. I disputed it on my credit report and still they are reporting the information as accurate. They have now lowered my credit limit. After increasing my limit on XX/XX/XXXX to {$15000.00}, they have lowered my credit limit following my dispute to {$1600.00}.

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 non-monetary relief
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was late making a payment over 6 years ago on my Chase Freedom card. My APR was 14 %, with a 6 month penalty APR of over 28 %. They never reduced the penalty APR, and continued to charge me the penalty APR until today. There are thousands of dollars I overpaid them in interest over the past 6+ years. My interest rate is still over 28 %, when I called them about it, they refused to do anything. Since it is my oldest card, i asked them to reduce the credit line to {$500.00}. They were willing to do that. Doesnt change thay I overpaid thousands of dollars in interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09 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: FL

Complaint narrative:
There is currently an account and numerous inquiries listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I thought I closed my USAA card account over one year ago. I received a letter in the mail stating that I can opt out of USAA sharing my personal information. I called USAA and was told I needed to verfiy my self which I tried to do by answering questions. This failed and I was not allowed to opt out. I was then told that even though my accounts were closed : Once a USAA member always a USAA member. 
I again contacted USAA on XX/XX/2021 with the same request and was told that to opt out of their sharing my personal information, I needed to send in copies of both sides of my drivers license. I feel that this requirement is silly and stupid! My USAA number is : XXXX. The last four of my social is : XXXX. If you are unable to resolve this issue please let me know who I need to contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation