vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/2021, I called today to removed website 's information that had a credit score. XXXX said that the score was from XXXX which is false statement it is actually a advantage score from them, I asked the person on the phone from the company of U.S. bank ( XXXX ) to remove it from my web page so I don't see it, he ( XXXX ) then talk down to me using semantics just 'cause I didn't use the term that he use he was insistent in driving in the point that is the term he use was right and not what I was read right from there webpage, I called it a shortcut credit score he didn't like what I called it and was unwilling move on unless he argued that point, then I said are you saying XXXX can put stuff on my webpage your account and you can't take it off. It seems like a simple fix to me just remove it from the web page. 1. you would have to explain to me why you can not take off a credit score from your on website. After that I called back to the bank to complain and because I didn't want to be referred to by my first name he then refused to move forward with the process of giving me information on how to complain, not even using other way to confirm my identity 2. You have to explain why there is only one way to confirm a person ID on with the first name.

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 2021-11-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
i am extremely upset with Equifax. i have not heard back from my dispute in regards to the response to an investigative report. I have sent in two XX/XX/2021 and XX/XX/2021 dispute letters. i checked my consumer report and equifax has failed to do their duty and complete my dispute/ investigative consumer report 15 usc 1692e ( 8 ) failed to state that i disputed accounts is also violation. as i am currently viewing my consumer report i noticed that the items in which i have disputed one have not been noted that i have disputed them. which is a clear indication that Equifax has not do their job to complete or do my investigation on my consumer report. items are state that they are verified and i wonder how. based on the definition of an investigative consumer report " However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. how can something be considered verified when factual information can not be on an consumer report obtained directly from a creditor of the consumer which i am the consumer. also, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. well my friends or associates did not have any interviews with the consumer reporting agency. my credit worthiness is not defined its my mode of living, general reputation and personal character tics. I am upset that equifax is not telling the truth and reporting items on my report that i did not provide written instructions to do so. 
there are inquiries listed on my consumer report that is not a firm offer of credit or insurance, 15 us code 1682 ( c ) ( 1 ) ( a ) ( i ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've been dealing with this situation since XXXX. I had an issue with credit card company that was compromised by a hacker trying to take our information. Tried numerous times to work through the company 's automated system to get to a live person, but it was exasperating and time consuming. Initially, I was able to dispute numerous charges on our card, and the service was good. A local rep of the company, a different division, was able to verify the checking, savings and investment accounts that were opened in our name were cancelled. A truly frustrating thing is that one division is unable to contact another division and help work through concerns ; calls had to be made to the banking institution and separately to the investment division. After that I was able to cancel the credit card on XXXX. Today I was notified that there is a balance on the card. I wanted to verify the charges were mine. I phoned four times and was cut off or hung up on each time. I finally was connected to someone who was able to verify the information. We were disconnected ( the service rep could not hear me but I could hear her ). She hung up because she couldn't talk to me. We were discussing how the balance would be paid. 
. 
I feel the service of this company needs to be improved. It's much too frustrating to work with a company that makes it so difficult to communicate concerns. 
.

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 2021-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I was not 30 days late for the following months ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
As I called to get more information about this medical debt reported on my credit report that dropped my score XXXX points. XXXX XXXX XXXX explained that it could be issued by error on their part. The charges were made on XX/XX/2020 at XXXX XXXX XXXX and apparently it was a XXXX surgery on XXXX XXXX and the party was billed for the anesthesiologist bill was never paid. 

I have never been to this place nor have done any surgery on my XXXX, nor do i even LIVE in this area! This was incorrectly reported on my credit profile and is now hurting my credit reporting XXXX score. 

This is unfair that the medical billing and collections agency, try to put anyone responsible for others bad debts. This is affecting my ability to close on my home loan!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I haven't received any investigations results.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I haven't received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: PA

Complaint narrative:
Equifax closed this dispute prematurely. In Equifax 's report, they stated they were waiting for the company ( XXXX ) to provide their findings which they have not. This complaint/dispute needs to be re-opened until XXXX provides a satisfactory response to me. 

On the week of XX/XX/2021, I received a letter from Equifax stating they were unable to locate a credit file in their database with the identification information I provided. Equifax went on to state, in order for them to assist me they'd need me to send proof of I.D and my current address. The problem is Equifax has been reporting and updating my personal information without my consent, approval, or furnishing my personal information to them for years without me confirming any of it was true. Why now do I have to prove who I am and why wasn't these precautionary measures taken when a fraudulent account was opened in my name? Had Equifax and the other bureau checked with me first to confirm that I opened this account, we wouldn't have this problem now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I open and received a new credit card : CITI CUSTOM CASH. I applied for it in advance anticipating a purchase I wanted to make. I have a summer home, and used it as my credit card address. 
I received a notification that I have to call a number because they detected a " suspicious activity ''. I called, and the only way to unlock my account is CITI to send a letter to my home address which I can't obtain because I'm NOT at my summer home right now. It would also take a long time not appropriate for my purchase. I asked to close my account which is also impossible according to CITI. I never heard of anything like that which is very concerning. 
CITI Customer Service is HORRIBLE with hours holding. They use off-shore representatives, speaking to the XXXX customer service is impossible due to wait time. All representatives are rude, especially ones in the " XXXX XXXX '' ( name : XXXX- a supervisor ).

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 2021-11-28 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: IL

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me form Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XXXX XXXX, I intiated an instant transfer of funds in the amount of {$280.00} from my Venmo account to my XXXX checking account.Although Venmo insists that the funds were transferred, the funds never posted in my XXXX  checking account.Both companies performed a investigation but couldn't determine where my money went and told me that they consider the matter closed.My boss, who wrote the check, went into XXXX XXXX and had the check traced.XXXX discovered that the funds were deposited into a account at XXXX XXXX XXXX  XXXX, XXXX XXXX, which was then transferred to an account at XXXX XXXX XXXX  XXXX XXXX XXXX. I have a copy of the check which I will attach, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: ND

Complaint narrative:
I am so tired of the total incompetence of the Fifth Third Bank and its employees. This is my second complaint against the Fifth Third Bank and in between both of them I have also spoken to the bank and hashed out another issue. 

Our vehicle was repossessed in XX/XX/2021- the loan has been paid off and we no longer deal with the Fifth Third Bank financially. I called the Bank and had to point out that on the credit reports for both my wife and I- they failed to indicate that the account is closed and paid. 

Now on the credit report the summary indicates the loan paid and closed. However, in the detail for the Loan showing payments- they have continued to show R for respossession in XXXX, XXXX, XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My XXXX account was used fraudulently in XXXX of 2021. I reported the fraudulent activity immediately, however XXXX failed to process the fraud claim in a timely manner resulting in a XXXX day late payment on my credit report. I contacted XXXX a and they have yet to remove the late payment off my credit report. I filed a dispute with Experian, with evidence and they closed the dispute without removing the late payment 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 non-monetary relief
Consumer complaint received 2021-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I have an approved credit card from SoFi. I was trying to open a money account but couldn't open it. It kept telling me that a code has been sent to my phone which I would need to confirm in the app in order to proceed. I never received the code in my phone. I called SoFi and the representative said she is replacing code via text confirmation with code via email. But that didn't work either and it kept telling me a code has been sent to my phone which I never received. The operator said she would escalate this to their engineering team. XXXX hours later I received an email from SoFi stating that the issue has been closed and or resolved. I still can not open the money account because it still keeps telling me that a code has been sent to my phone which I would need to confirm in order to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2021 a friend I thought I could trust who I was previous paying for rides I stepped out the car and got back in to notice my phone was stolen. The person pretended to help me look for my phone to discover the next morning he had my phone and transferred all my money out my savings chime account to his account. I found out he had it when I got to the phone store the next morning to buy a new phone to realize all my money was stolen out my savings account ti his. I instantly filed a police report where he currently still has a warrant out for his arrest. I disputed the claim provided information with detective as well as the case number as well as recepit buying new phone at store.chime bank denied me 3x times of sending my money back The person stole XXXX $ out my savings I have struggled tremendously from this incident even suffered with lights being off in home because I couldnt pay my utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me form XXXX, XXXX and Transunion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me form XXXX, Experian and 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 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me from XXXX, XXXX and Transunion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE when I applied for a Chase Visa Signature business card account XXXX I was notified of this transgression of my rights, specially 15 USC 1601- The Truth in Lending Act, by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE on XXXX via U.S mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I, as a natural person possessing an open-end credit plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( XXXX ) are up to ( {$5000.00} ). J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE is now civilly liable to pay me for the damages. This action hurt me and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
, my student loans was supposed to have been paid off for student loan forgiveness that also it was supposed to been wiped off my name because of the college that I attended with XXXX XXXX and with that being said these colleges with accepting us without a GED or high school diploma and yet they still let us attend and go further with it when we was supposed to not finish under those circumstances cuz we did not have to ask history backup

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
there is no need for verification. mu first complaint asked for validation not verification, please send me validation actual proof with my wet ink signature Please see attached identity theft affidavit. Last and final warning to delete and remove said items from my credit reports.

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 2021-11-28 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:
Around XX/XX/2020, Barclays XXXX Business Card offered XXXX points on $ XXXX spend, and XXXX for an additional $ XXXX of spending if you signed up for their credit card. I received the first XXXX points when I reached that threshold, but after I spent another $ XXXX they never gave me the points. I used their product for purchases even though I had better credit cards to use at my disposal. I spent months trying to get this cleared up but today a rep said that they've done all the investigation about the points and said that I got everything I was supposed to, which is a lie. I paid off my remaining balance and promptly closed 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 explanation