vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: TX

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I write to you today most distressed and broken knowing Ive written to you already pertaining this case with AMEX XXXX XXXX XXXX account. 

COMPLAINT ID XXXX Submitted : XX/XX/2022 As of today, XX/XX/2022 I am yet to receive my funds due from the closing of my account. Ive called multiple times and still no one has provided me with a resolve to me getting my total funds of {$940.00}. 

On XX/XX/2022, I was lied to and given a fake item number by a female associate on the AMEX team. This item # is as followed : XXXX. I was misinformed by this associate claiming my funds had been sent out through the USPS. She further told me to expect my check on XX/XX/2022. Which was yet again another disappointed & stressful situation seeing that once again there is no check in the mail. 

On XX/XX/2022, given the reality of the absent check I called AMEX looking for some relief only to find out no check was issued. And, the indemnity form sent back to them was still in process, sigh. Its been over 2 months since waiting on my refund. I am very stressed and have been left to borrow money from my sister to cover my expenses. I am a mother of XXXX children all under XXXX XXXX XXXX. I simply want my funds back. 

Another issue Ive with AMEX is how poorly Ive been treated as a customer, their inability to deliver prompt & proper care and the lack/absence of a supervisor/manager to hold anyone accountable. Managers are always absent. And, even when when promised a call back, no one follows up with your concerns being clarified. 

Another important point to note is the unending wait period to speak with someone in the back office/ banking operations team. This is every single time that Ive had to call. Also, every other documentation sent to me by the bank has been received in my mailbox, all except the supposed checks that were sent out. 

In closing, prior to completing this form I was once again informed my account details are still in processing. How much longer must I wait? 

Please help! 

Signed, Distressed consumer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The debt charge off on my credit report from this company is inaccurate, not reporting across all 3 bureaus, and does not belong to me. I am completely misinformed about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
My ChexSystems report is showing an incorrect 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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: MI

Complaint narrative:
I am the original creditor and natural person. I did not give this company written consent to furnish my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In the fall of last year, Bank of America made me a " preferred '' member and started to charge me {$25.00} per month for checking. I did not agree to this fee. They just up and did it. I have two mortgages with the bank, two checking accounts and a savings account. I've been with the bank for over 15 years and have never been charged these fees. I was told I had to maintain a minimum balance in these accounts. Looks like they decided to change the rules in the middle of the game. 

Smacks of what XXXX XXXX did. 

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 monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX a charge of {$290.00} generated on a XXXX  at XXXX a.m showed up on my BofA XXXX statement. It showed the merchant as XXXXXXXX XXXX XXXX AZ. I called BofA to report that I have never been to that restaurant and the charge was fraudulent. Long story short, BofA denied my claim saying the merchant provided receipts ( no signature on receipts ). I called XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, AZ and spoke to XXXX. She said 1 ) they don't use XXXX  2 ) they don't open until XXXXXXXX XXXX. ( not XXXXXXXX XXXX. ) 3 ) there is no charge for {$290.00} on XX/XX/XXXX 4 ) they did not generate the receipt or invoice that BofA based their denial on. I know there is a XXXX  scam going on and I am disappointed that BofA was not aware of this. I am also disappointed that BofA denied my claim as we have had our XXXX  XXXX XXXX through BofA for over 20 years and something like this has never happened. They never even contacted the restaurant to verify the charge.

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 2022-03-21 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have 2 open cases with Citibank Fraud Department that is not being handled professionally by Citi. My account was hacked and they changed mailing address and contact info in the system without my knowledge. This is an ongoing issue dating back from XXXX XXXX and separate transactions dating into XXXX. I opened a police report with the XXXX, NJ Police Department - XXXX ( Police Report Attached ). Case # XXXX. Detective XXXX XXXX Date Opened : XX/XX/XXXX. 

1 ) XXXX XXXX ( {$1000.00} ) - I never initiated the transaction to XXXX XXXX XXXX # XXXX on XX/XX/XXXX. I wrote to XXXX XXXX who provided no assistance. I then went to Citibank who is also not helping. It maybe a simcard swap issue as I never initiated the transaction or do not know this individual. 

2 ) Case # XXXX Acct # XXXX Fraudulent Transactions Below : XX/XX/XXXX {$99.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$44.00} ( Possibly my XXXX XXXX XXXX however debit block was lifted by hacker and shouldnt have been charged to this account ) The fraudulent mailing address that was used was XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ . The cash app id that the fraudulent transaction was sent to was $ XXXX who I do not know or had any interaction with. 

Please urgently contact Citibank and assist me with getting these fraudulent transactions cleared. I have since suffered medical issues due to the way its being handled by Citi. Please note I am a victim of identity theft and Citi is providing no assistance or evidence why they reject the claim. 

My last conversation was with XXXX XXXX Citi XXXX XXXX ID # XXXX ) Citi Fraud Dept : XXXX -- -- -- -- -- -- -- -- -- FTC Case ID : XXXX -- -- -- -- -- -- - XXXX XXXX  Dept Complaint # XXXX -- -- -- -- -- XXXX XXXX Your Confirmation Reference Number is : 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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: SC

Complaint narrative:
Already been to branch about my hardship time n decreased job took on and explained that I cant make payments because Im now over budget now agency stated their nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: UPGRADE, INC.
State: TX

Complaint narrative:
I have an account on my credit report that shows as a charge-off that is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Debt being listed as a charge off on my consumer report that I have no knowledge of, and also is not being reported across all XXXX bureaus.

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 2022-03-21 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: GA

Complaint narrative:
XXXX other accounts Total balance : {$0.00} XXXX {$1500.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open account Balance on XX/XX/XXXX Loan Amount {$1500.00} {$1500.00} Payment Info Status Collection account Status date XX/XX/XXXX Past due amount {$1500.00} Original loan amount {$1500.00} Monthly payment - Late payments - No payments have been reported on this 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
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, 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:
This company is breaking the consumer law with their improper use of my 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 2022-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
There is are four ( 4 ) credit card entries on my credit report, dating from XXXX 2015 in the amounts of : {XXXX}, {XXXX}, $ {XXXX} & {XXXX} from Capital One for credit cards that I NEVER authorized!! I have reached out to the organization and made several attempts to have this error removed from my credit bureau report to no avail. In addition, I have opened multiple disputes with each of the credit bureau XXXX, XXXX, and XXXX to remedy this error. The results from each investigation came back the same : Account previously in dispute - Verified/reported by subscriber as correct/accurate. 

I am at my wits end!! I feel as if I am being held hostage by someone else 's fraud and no one seems to care that my life endeavors are literally on hold indefinitely!!! Can some PLEASE help me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XX/XX/22 I submitted a negotiable payment to a credit card account as well as a payment to a loan payment paying off both accounts using negotiable instruments as payment enclosed is a copy of the tracking number # XXXX XXXX XXXX XXXX XXXX I was forced to make a payment via checking account due to the fact it was not processed and I had to make a payment using my debit card for both accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I called in late XXXX asking for a lien release statement and was told several times it was mailed on XX/XX/XXXX. After being promised I would receive it in 7 days, nothing showed up and was told it was re-mailed on the XXXX. I called once again asking for a copy of the paid in full letter and was told it would be emailed to me on the XXXX with 2 days for processing. I have failed to receive any of these documents after waiting almost a month even after being told 3 separate times I would receive these documents.

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 2022-03-21 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: GA

Complaint narrative:
XXXX {$0.00} Closed 5 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$0.00} {$1500.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Highest balance {$2100.00} Account was agreed to pay for deletion

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 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX {$440.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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