vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, again, I received a letter from Bank of America branch addressed, XXXX XXXX XXXX, XXXX, TX XXXX, asking me to submit more information on something, which I can not guess because there is no claim number and I have many issues at hand.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: SC

Complaint narrative:
Self lead Bank said and showed I was late on a payment which is incorrect. The card isnt even activated but all payments were automatic. It was a self build credit card, not my information that was negatively reported, please remove from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXXhas violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following inquiries are fraudulent and do not belong to me. Please have these following inquiries removed from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase United Airlines XXXX XXXX XXXX promotional offer not honored Attachment 1 : Email offer I received and responded to through the link in the message " learn more '' Attachment 2 : Verification that I received my card XX/XX/XXXX. 

Attachment 3 : offer details I spent more than {$12000.00} on the card since I received it which is well over the {$5000.00} required and within the 90 days specified in the offer. It isn't even 90 days now, so I am still within that window. They did award the XXXX miles but not the 2000 PQP. 

I have escalated this twice already and get a one-line letter a week later saying that my card is not eligible for the offer '' The offer was sent directly to me ( attachment 1 ) by Chase and the 2000 PQP is the only reason I agreed to get this {$520.00} credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I mobile deposited a IRS refund check in the amount of {$1900.00} into my checking account with Capital One. I received an email confirmation that my check was received. An hour later I received another email that after a review, the check will be delayed and not be deposited until XX/XX/XXXX. Then I receive an email stating that the check was successfully deposited and I could destroy the check. 15 minutes later I receive another email stating that Capital One noticed unusual activity on my account and for my protection I wouldn't be able to make withdrawals or transfer money to or from my account and after the investigation of account, my account could be possibly closed. I immediately called them and was advised that they would be closing all of my accounts and after the investigation my funds would be sent to me either external account or by check within 7 to 10 business days. i asked for the reason and didnt receive one. I've asked if they wanted the original IRS check and was told no. I've called every other day since XX/XX/XXXX and havent received any further information on why the account was closed or when my funds will be sent to me. in addition to the check that was deposited i had additional funds in my account and havent received those either. ive banked with Capital One for the past 8 years and havent experienced this ever before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MD

Complaint narrative:
I have had XXXX XXXX  loans for my sons through Ed financial for over 6 years. I've not had any problems with payments until they changed their system over in XX/XX/2023. I made a {$5000.00} payment to ED FINANCIAL on XX/XX/2023. It was removed from my account by Ed financial via ACH payment. I have bank records that prove this. I also have a confirmation # from ed financial when I made the payment which I have given to their customer service department 8 TIMES!! They absolutely can not explain where my money went, why it was not applied and all they say is " I'll forward this to the finance department ''. AFTER 2 and a half MONTHS and over 15 hours, this is STILL not rectified, with no response from anyone at Ed financial. Customer service requires to you to stay on the line for hours. They have only 1 phone number. They do not call back and are useless. There are no emails, live chat available, or responses and when I finally do get someone to pick up the phone, they offer no solution. They make excuses or they lie. One time we were told that THEY COULD SEE the payment on my account but we couldn't ... which was a lie to get us off of the phone. Any time I make a payment it will say " pending '' and " Processing ''. It says nothing. They also said they would send a record of all of the payments we've made in the last 6 years, which they did, and of course it DID NOT HAVE the {$5000.00} payment on there. They have STOLEN my money, refuse to take ownership or apply my payment. I am now out {$5000.00} which is a lot of money in my family and I continue to pay a higher interest rate for the last 2+ months because they refuse to credit my account. They refuse to allow you to speak to someone in the finance department or a supervisor. They say " that's not how we do it here ''. It absolutely should NOT take this long to find my money. I have a confirmation # and all they need to do is type that number in to see that it is to be applied to my account. What good is a confirmation # if they can't access it? It is a feckless, corrupt company that steals money and continues to XXXX you with higher interest rates. Trying to make up for the NO INTEREST rates for 2 years during Covid.. I'm sure. I can not get them to help me or respond. Please help me and/or let me know of a different way I can go about getting my payment applied to my account. In addition, I try to log in and it now has disabled my account saying the info I put in there, ( my sons ss #, birthdate and Account # ) are incorrect. I've logged in several times with the same info and it's never been incorrect. So now I can't get into my account to pay anything. I've never experienced such frustration and problems with a company before. Thank you for your attention to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TransUnion

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 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I initiated an instant transfer of {$250.00} ( less {$4.00} instant transfer fee ) from my Venmo account into my checking account with XXXX XXXX. Venmo charged me a fee to transfer instantly but the money never appeared in my checking account. I was told sometimes it takes my bank some time to show it in my account, wait 24 hours. Still nothing and no response from Venmo. I called my bank and had them look into the confirmation number provided by Venmo. They had no record of the transfer. I contacted Venmo again. They tell me they will escalate it so I should hear back within 6-7business days. When I finally received an email from their Specialist ( XXXX XXXX ) Global Exceptions Operations, he/she gave me a trace ID number and to go to my bank so they can find it ( essentially blaming them for losing it ). I again called bank and again was told that they have no record of the transfer. I contact Venmo again and tell them this and now they tell me to send them a screenshot of my bank account. I do this and now Im told that they put in for a recall from their bank and they will let me know in 30 days. This cant be legal. They should be held responsible. Ive read numerous complaints about the same thing happening to others. Please do something to mandate this company be held accountable for losing peoples money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc.
State: AZ

Complaint narrative:
I was just notified that my Kikoff/XXXX account was removed from my credit report, which caused my score to drop several points. I have made all of my payments on time, most recently a few days ago for both of my accounts, and I have been paying for more than 6 months. What is the reason for this account being removed so abruptly? I need an explanation and solution ASAP, as a new account being added back will hurt my score again, and at this point Ive paid Kikoff hundreds of dollars to build my credit and this is the opposite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
AS I HAVE REQUESTED several times that you provide me with proof that my loan was delinquent. i also asked for you to provide a payment schedule from the XXXX  from XXXX that was paid on my account. where did those monies go. also i asked for monthly payout after you received funds and all payments from XXXX XXXX XX/XX/XXXX. Again i was not in default of any payments because the XXXX  brought me current. prior to the first loan modification that was signed in XXXX from WF, why would i have needed another one in XXXX. Again i regain employment XX/XX/XXXX and made every payment on time prior to the partial claim XXXX i never needed a mod. WF submitted this paperwork in an attempt to scam like they have in the past. WF has a very lengthy name of scamming homeowners out of their home by not approving their loan mod. they denied my mod i know 10 times or more before they approved it back in XXXX, when the NCHFA send them monies. Here 's my questions again 1. what happen to all the monies i received form the XXXX  ( i am requesting your copy of payout ) 2. If i wasn't current what happened to all my payments from XXXX before the partial claim, where you said i was only making interest payments. all lies and 3. show myself and the CFPB proof that i was delinquent when i was making payments. 4. i would like all payment hx from XXXX showing where monies was giving on my behalf to settle my acct and bring me current. please provide proof and not just answering questions WE WANT PROOF OF YOUR CLAIM where was this money applied

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
On XX/XX/2023 I served Freedom Mortgage with documents related to a mortgage they formally serviced. Loan number : XXXX. I notified Freedom Mortgage that the loan was discharged in XXXX XXXX  Bankruptcy in the XXXX XXXX XXXX New York on XX/XX/2023. I also mailed using certified mail, a letter of recession which rescinded my securities interests in the mortgage and demanded payment for the interest that was owed to me as it relates to the mortgage being traded in the securities markets. 

I also notified XXXXXXXX XXXX that their transfer of the mortgage to Freedom Financial was illegal because it was initiated and processed after the mortgage was discharged. I also served XXXX XXXX that at the time of the purchase of the property that they were responsible for filing the deed with the county of record. Furthermore, XXXX and Freedom Mortgage was required to file a satisfaction of mortgage once they become aware of the discharge of the mortgage.

Freedom Mortgage was also served with a 1099a and a 1099c cancellation of debt. However, I continue to receive mortgage statements from Freedom Mortgage in reference to the mortgage that was transfer by 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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I asked for the fraudulent inquiries be removed. I have not heard any response. I also have a collections account from XXXX that was a result from identity theft. I never requested a XXXX account to be open. I reported my theft to the FTC. I will seek litigation if these items are not removed immediately.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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