vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 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: CO

Complaint narrative:
I communicated with Mercedes Benz Financial Services, XX/XX/2021 about a report of a delinquency to XXXX  and XXXX  that was derermined to be inaccurate. When I ask for an immediate resolution of the error I was unable to communicate with the credit department. I was told they do not speak with clients and they only communicate with credit bureaus once a month. 
I am in the process of applying to refinance a mortgage. This failure to expedite the remediation of their mistake is problematic for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain 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 2021-01-08 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: MT

Complaint narrative:
Been disputing inaccurate information on credit report for years and attempting to mediate issues with credit bureaus, debt collecting agency 's and creditors. Whenever I've requested investigation results for my disputes into these inaccuracies from any parties, I've been told by the credit bureaus that they are only obligated to verify identifying information ( such as address, ssn and birthday ), therefore nothing will be done to correct inaccuracies because reporting company is providing them with identifying information that matches up with my customer file. Alot of items on my credit report are the result of fraudulent accounts opened in my name and or accounts that have become affected by the damages of identity theft. And I'd like to resolve these issues once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/21 I sold a ring for {$1000.00}. Having used Venmo to send small amounts of money to friends, I thought this would be the easiest and safest way to make the transaction. After the purchase was made, Venmo emailed me to tell me that I had to transfer {$400.00} to the purchaser through XXXX and send them a screenshot of the transaction. I asked, instead, for the purchaser to be refunded so we could us a different payment option. Because this request was refused, I made the transfer of {$400.00}. Since then, I have transferred a total of {$1900.00} so {$2900.00} is sitting in a Venmo account and not being refunded to me. I wouldn't normally make these transfers, but kept being told this was standard procedure and nothing to worry about since the transfer would allow my money to be returned to me. Yesterday, at XXXX CST, I was emailed that my money would be refunded " within the next 1-2 hours ''. 26 hours have passed and I haven't received a refund and Venmo is no longer responding to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: NY

Complaint narrative:
I don't recognize these accounts and inquiries, i have never applied for these creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: NY

Complaint narrative:
I don't recognize these accounts and inquiries, i have never applied for these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Dear Sir or Madame ; On XX/XX/XXXX, I placed an order from " XXXX XXXX for trial products resulting in charges of {$12.00} for products and shipping/ handling. I paid the {$12.00}. 
These were the only 2 products I received. 
I was then charged {$94.00} and {$89.00}, on my Sears Citibank credit card, for products I never received. I never placed another order or signed for " auto ship ''. 
I had no way of contacting the merchant, there was not an invoice in the package. This lead me to believe this was a scam and I turned to my credit card company for protection. 
My account, supposedly, was credited for only 1 charge of {$89.00}. ( Unfortunately, I can not find this letter. ) However, the charge of {$94.00} remained on the account. I have addressed this issue in my last 2 letters to Sears Citibank. Citibank told me that they did not receive some information in a timely manner from me, but I sent a letter XX/XX/XXXX that resulted in the recovery of above mentioned amount of {$89.00} only. 
I'm not quite sure how 1 charge can be credited, 1 remain outstanding, and all the late fees still upheld. All for products I never received. I should not have to pay for, or charged with late fees for products that were never received. 
This issue has gone to " collections '' despite my attempts to resolve the issue. 
In my most recent interaction XXXX ) with Sears Citibank, I sent a letter to " Sears MasterCard Recovery Disputes '', detailing yet again this past year 's issues. I am at my whit 's end to resolve the situation. 
I had been a good customer since XXXX, never had a late payment, and now this mess. 
I trust that all charges in this matter, {$89.00} ( if not already done ) and {$94.00}, along with all the late fees associated with these charges will be recovered/waived. 
I appreciate your time and attention in this matter. 
Sincerely, 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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have disputed the following inquiries on my credit report multiple times. Equifax has continued to let these improper inquiries remain on my report and call the FACTUAL without providing me with proof of such. I am requesting the following be removed from my report ; XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I recently received a copy of my ( Equifax XXXX credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX SSN : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
someone is using My identity Without my consent I did Not authorize 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 2021-01-08 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2019 and on XXXX. XXXX, 2019, MB FIN SVCS add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit illegally obtained my debit card information and placed a charge for {$19.00} on XX/XX/21. This was after I paid for membership through bill pay directly from my bank account. Also I did not give Experian my debit card information, I did not give that new information to anyone, because I recently placed a fraud alert on my credit. Then Experian goes and obtain my debit card information from my bank account and place an unauthorized charge, they're supposed to be protecting me from idenity theft yet they commit fraud and idenity theft. I feel violated in the worse way. Contacted my bank immedately. Paid for membership through bill pay on XXXXI have, removed all banking services from Experian membership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
someone is using My identity Without my consent I did Not authorize This Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Year XXXX XXXX XXXXXX/XX/XXXXcredit card charged off in XXXX But now back on my credit score and I would like for it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I booked a stay at a hotel through XXXX using my American Express credit card. I realized I did not use the rewards card I had intended to during my purchase so I cancelled it and made the same purchase again with my rewards card ( again, paying with American Express ). I received confirmation of cancellation from XXXX with an email saying that my American Express would be refunded for the initial cancelled stay. This did not happen. I reached out to XXXX several times to inquire about the refund and no one responded. I even gave them several months given COVID and the chaos I'm sure many companies were dealing with at the time, I thought it could take a while to sort out. When the day of the hotel stay arrived, I brought up the cancellation with the hotel, which said XXXX would take care of it since I had booked the stay through them. 

At this point I raised a ticket through American Express. I thought it was a pretty straight forward case - especially since I SHOWED them the email that confirmed my cancellation FROM XXXX. Recently I went in and looked up the status of the claim and found it was closed with no explanation and American Express wasn't refunding my funds. I was absolutely amazed since I was told by the merchant I would be refunded and XXXX FAILED to do so and despite having this cancellation confirmation in WRITING, American Express failed to honor it. I opened the case again. Recently, I was given a letter from American Express. In it, they explained that my initial dispute was closed in a " technical error '', but unfortunately now my case is " too old '' to investigate - which is their fault since they were the ones that closed my initial case in error in the first place. Also according to the letter, anything they do for me at this point is a " courtesy ''. 

I want the refund that I was clearly promised the DAY I cancelled this hotel stay. I have more than enough to prove that I am owed my funds back and American Express has dropped the ball enough. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/21 a payment was submitted to my XXXX XXXX credit card using my chase account for {$100.00}. XXXX XXXX has not and did not receive the funds. Additionally I was charged an NSF fee for a payment I didnt even submit. When I called chase to dispute the transaction so I could recover the {$100.00}, I was told by XXXX separate chase claims reps, one being an escalation contact that they are unable to dispute the transaction or assist me in any way. When I asked why I would be penalized for some clerical error done on the banks part I was told because I made the payment. Im pretty sure chase is required per XXXX  or XXXX XXXX  that when they make an error they are supposed to rectify once they have been notified. I was essentially just snickered at once I asked what protection as a consumer I had and was told by XXXX, nothing. They offered no solutions and no help and no explanation why there wasnt something in place to assist in the event an ACH payment was misapplied. 

How can I get my XXXX {$100.00} back and the fee back. As a consumer I cant even believe I have to write this. I will be closing my chase accounts very soon as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2019, BANK OF AMERICA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I received my XXXX credit report and attempting to dispute information that was not correct but the company did not respond. XXXX wrote that they use date received from Innovis so I will be adding them to this complaint. I am attaching the disputed information to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Back on XX/XX/2020, I was granted a Payment Deferral for the month of XX/XX/2020 in the amount of XXXX for my Bank of America mortgage. I have complied with every requirement of this Deferral. Since then, I have received monthly debt collections calls from BAC. I have made no less than 10 calls to the debt collection department trying to get this resolved. Each time someone rightly was able to verify that indeed I have this deferral in place and they claim to try to help and get this corrected, and to date it still hasn't been resolved. I even created a complaint within BAC to try and resolve this and it still hasn't been resolved. The complaint case # XXXX was assigned and I was told would be completed by XX/XX/2020. It still has not been resolved. At this point I am concerned that this will shortly begin to affect my credit, as I am sure this will be reported to one of the credit houses. How is it possible that a large institution such as BAC can not resolve this internal situation for me. Especially since they are the one that offered the deferral to me. I did not go out and apply for this deferral. Because of Covid, they offered it to me and I accepted. I am hoping that someone will be able to assist me with this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter in the mail yesterday from Chase Bank stating that they would be " ending their relationship with me '' as of XX/XX/2021. They are closing all of my accounts without any explanation as to why. I called to inquire and they told me they were not obligated to give a reason for their decision. My accounts have been open with them for over 20 years and have always been in good standing and are frequently used. I can not think of a legitimate reason for this decision. Now I have to relocate my accounts and change all of my payment information over to the new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have tried numerous times since XX/XX/XXXX to get a loan ( using my XXXX XXXX XXXX XXXX as collateral ). All 3-4 times were initiated by XXXX XXXX stating that my loan was guaranteed Pre-Approved and even 100 % approved for even more than I had requested. Each time I went through the entire application process being told by One Main that my loan was guaranteed and each time I was denied at the last minute including this week! I am completely baffled and dumbfounded by the false advertisement and lack of professionalism & competency of this business and how they continue to exercise business this way!! I have proof of each time of going through this process including email communications and screenshots of guaranteed approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TX

Complaint narrative:
PayPal said I was able to withdraw the funds from my account on XX/XX/20 after waiting 180 days from my account closure. When I go and try to add a bank account however, it gives me an error ... the money is stuck and I need a way to withdraw these funds.

Company response to consumer: Closed with non-monetary relief