vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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:
I reported an account that was not mine or that I had no knowledge of to both Experian and XXXX. I submitted the information to them regarding my dispute with the collection agency which clearly shows that the collection agency fraudulently changed loan documents to reflect that the account was mine when in fact it was not mine. The original collection letters in attempt to collect for the alleged loan were sent to a residence I have not lived in since 2015. It was only after I had contacted the collection agency that they started sending collection attempts to my current residence and when asked to produce proof that the alleged debt was mine, they submitted to me a loan document reflecting my current address.

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 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: TN

Complaint narrative:
I recently transferred Dogecoin cryptocurrency to the Binance.US exchange operated by BAM Trading Services and subsequently sold a portion of it for approximately {$55000.00}. Binance requires accounts to be verified in order to withdraw cash. I have submitted the requested documents to verify my account, but the status has been stuck as pending for more than two weeks. Other users report having been stuck for long periods as well. I have submitted a support ticket which was immediately closed and received an automatic reply stating that they are not accepting support tickets on verifications at the moment due to a substantial backlog. The end result is that I remain unable to withdraw the funds from the sale of my cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter confirming the refund of the disputed amount the the company decided on my favor. It said on the letter that after 7 to 10 bussisnes days I should received my money, until this day the company hasnt done anything. Several call and none pf the department hace any respond

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 2021-05-20 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: TX

Complaint narrative:
We submitted disputes with all XXXX credit bureaus for a collection account XXXX funding that was not responding and double reported the debt for XXXX XXXX. XXXX  XXXX XXXX was paid off but XXXX funding is still showing a balance even after our disputes began XXXX. 

The bureaus stated that they verified the information ...? how is this possible when the company hasn't verified with us the debtor. 

Please help us get this resolved. Attached is the letters we sent XX/XX/21

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 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I NOTICED IN MY CREDIT REPORT TWO ACCOUNTS THE I NOTICED WERE NOT CORRECT AND I TRIED TO REACH OUT TWO THE CREDIT BURUEAS IF THEY CAN INVISTIGATE AND RESPOND TO ME AND I GAVE THEM 30 DAYS. THEY HAVE NOT RESPIONDED TO ME. I SENT THEM ONE LAST LETTER XXXX CERTIFIED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2005 XXXX XXXX XXXX XXXX XXXX ARE THE RECEIPT SLIPS FROM THE MAIL

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 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ) to collect a debt of {$3200.00} on a XXXX card I never applied for, let alone used. I called XXXX card ( XXXX XXXX XXXX/ ) at XXXX to let them know of the incidence. Upon checking my Experian credit report, I noticed a XXXX card was opened on XX/XX/XXXX, without my knowledge. The account was written off with a balance of {$3200.00}, the same amount listed in the XXXX letter. The account was opened using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, which I do not recognize. I XXXX  the address and found out that it belonged to a XXXX XXXX XXXX https : XXXX ). The credit card is clearly fraudulent. 

I've filed a police report, and XXXX has confirmed this is a case of fraud and closed my account. I am reporting this to the CFPB in order to place an extended credit alert to the credit bureaus. I'm also reporting the incident for documentation in case there other victims.

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 2021-05-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX ; Medical - XXXX ; and XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Capital One Auto Finance on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Persuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Knowing that the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Capital One Auto Finance sent me a bill which is a violation of 15 usc 1692 ( b ) ( 2 ). Capital One Auto Finance has deceived me as a consumer and my rights were violated. Capital One Auto Finance failed to give me a right to rescind which is in violation of 15 usc 1635. In addition Capital One Auto Finance is in violation of 15 usc 1692 ( j ) ( a ). The term buyer is not defined per Truth In Lending, and what is not defined does not apply to me. Pursuant to 15 usc 1611 Capital One Auto Finance is criminally liable and civilly liable for double the amount of my finance charge pursuant 15 usc 1640. They are also liable for each FDCPA violation pursuant to 15 usc 1692 k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/XXXX I completed an auto lease with Kia Motor Finance ( via Destination Kia in XXXX, NY ). I thought all was fine, until in XXXX I received a letter from Kia Motor Finance saying that I was {$350.00} delinquent for a last payment that I owed. I immediately called KMF and was told if I paid that debt that day it would not be reported as late to the credit bureaus. 

I did pay it that day, in full, and again thought all was fine. The next month ( XX/XX/XXXX ) I viewed a couple credit scores to see that my score had dropped over XXXX points. I pulled my full reports and saw that KMF did in fact report me as delinquent despite having paid the obligation in full. I at that point also filed a dispute with Kia directly and a month later I have not heard back. I have tried to call their collections and customer service departments and with both numbers get a message saying " this number is not working at this time. '' I also filed disputes with the two bureaus where this shows up XXXX XXXX and XXXX XXXX and XXXX told me as of XX/XX/XXXX KMF still says its an outstanding debt and open line. So I now have two months worth of erroneous delinquent payment marks on what was stellar credit before. 

I don't know where else to turn -- neither KMF nor the bureaus are willing to help. I have fulfilled the obligation and want this off 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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX-spring Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX-spring Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020

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 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HELLO, IVE HAVE BEEN BACK AND FOURTH WITH EXPERIAN, XXXX, AND XXXX TO VERIFY DEBTS AND IT HAS BEEN SINCE XXXX THAT IVE INFORMED THEM AND THEY HAVE NOT REPLIED TO ME. I HAVE MULTIPLE CERTIFIED MAIL RECEIPTS. I WILL PUT BELOW. 

XXXX XXXX XXXX XXXX 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 2021-05-20 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: TX

Complaint narrative:
We submitted disputes with all 3 credit bureaus for a collection account XXXX funding that was not responding and double reported the debt for XXXX XXXX. XXXX  XXXX bank was paid off but XXXX funding is still showing a balance even after our disputes began XXXX. 

The bureaus stated that they verified the information ...? how is this possible when the company hasn't verified with us the debtor. 

Please help us get this resolved. Attached is the letters we sent XX/XX/21

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 2021-05-20 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: TX

Complaint narrative:
We submitted disputes with all 3 credit bureaus for a collection account XXXX funding that was not responding and double reported the debt for XXXX XXXXXXXX XXXX XXXX XXXX  was paid off but XXXX funding is still showing a balance even after our disputes began XXXX. 

The bureaus stated that they verified the information ...? how is this possible when the company hasn't verified with us the debtor. 

Please help us get this resolved. Attached is the letters we sent XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report because i am looking to purchase a house and noticed I have fraudulent accounts. this is stopping me from obtaining credit.

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 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
Hi, At the beginning of COVID I lost my job. I filed for unemployment benefits with the NY State Dept. of Labor. The NYS DOL approved my case and sent me a Keybnk debit card to access the funds that were deposited into a newly created KeyBank account. 

Then in XXXX the NYS DOL put a hold onto the account and funds and requested me to send in ID verification. 
I sent in the requested ID documents and the payments resumed into the Keybank account. But Keybank still has the Hold on the account and is not allowing me to withdraw the funds. I have contacted them several times and they keep on telling me to contact the NYS DOL. When I contact the NYS DOL they tell me that all is OK and I should contact Keybank again. ( I also have it in writing thru a secure message from the NYS DOL - attached ). 

Im being thrown in circles while my electric and water bills are past due and I have a family of 7 to feed. 
Keybank is refusing to verify with the NYS DOL  and remove the hold and is keeping away close to {$8000.00} vitally needed funds from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I have financed the car with MERCEDES BENZ FINANCIAL SVCS. PAID IN FULL FOR THE CAR!! 
never late, it was reported to the credit agencies, WRONG, as " CHARGE OFF, ACCOUNT CLOSED. 

THIS IS INACCURATE INFORMATION, several letters was sent, to request to correct this wrong information.the last letter was sent on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: CA

Complaint narrative:
I reported an account that was not mine or that I had no knowledge of to both XXXX and Transunion. I submitted the information to them regarding my dispute with the collection agency which clearly shows that the collection agency fraudulently changed loan documents to reflect that the account was mine when in fact it was not mine. The original collection letters in attempt to collect for the alleged loan were sent to a residence I have not lived in since XXXX It was only after I had contacted the collection agency that they started sending collection attempts to my current residence and when asked to produce proof that the alleged debt was mine, they submitted to me a loan document reflecting my current address.

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 2021-05-20 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, I opened Citi Priority savings and checking account online with a {$1000.00} deposit into the checking account number. A week later I received an email that my accounts were locked and closed. After several phone calls over the 6 months communicating with XXXX, XXXX, XXXX, and XXXX in New Account Fraud, each time I complied with the Citi requests to provide them with my IDs ( DL and passport ) and my mailbox rental receipt to prove my ownership of address on file, Citi refused to refund my money. Additionally, Citi admitted in writing that they violate Patriot Act by opening my account without a physical address. It is incumbent on CITI to know and enforce banking regulations CITI can not violate the law to take money but then hide behind the law to refuse to return it. Due to Covid-19, people are facing hardship. I need to access my money to pay bills. Having no faith in getting in any resolution from Citi for 7 months, I would like Citi to return my money. 
I also filed a complaint with the OCC on XX/XX/XXXX and on XX/XX/XXXX, received an OCC resolution letter that Citi will mail me the check to the address on record. However, after several emails and phone call starting from XX/XX/XXXX ( over 30+ days ), Citi has not responded to me except sending me generic emails informing me that this matter is being investigated. Each time Citi exceeds its own deadline of 15 days to resolution. I have no faith in Citi and I watnt to file a complaint with CFPB.

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