vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
For the last two years all credit bureaus has listed XXXX XXXX XXXX on my credit report as me being the owner of a bill of XXXX XXXX I have sent the numerous debt letters, asking them to prove that debt belongs to me they have failed to do so or declined and not done so they continue to leave it on my credit. Ive let them know Ive been a victim of identity theft, as well as Experian and XXXX stating on my reports that they found my information on the dark web. Ive also show them that Ive had two bridges from Experian and XXXX and one from XXXX and they still continue to keep this on my credit I want it removed.

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 2023-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I attended Timeshare presentation in XXXX XXXX New york on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New york XXXX Phone : XXXX They requested ssn details to check my credit score to make sure if I am eligible for financing. Later I got email from Barclays Bank Delware that my credit card is approved. I called them to cancel and it is not yet done, I still see that account in my credit report. 

Now there is one more credit card is open from XXXX XXXX 

I see they misused my ssn details to open multiple credit cards which is directly impacting my credit score.

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 2023-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I have been in communication with the Mortgage servicer regarding information recently discovered. 
There is an associated complaint, and it is not corrected. XXXX complaint id I have a copy of the credit report showing the lender reported to my credit bureau report that my note was paid in full on XX/XX/2008. Paid as agreed with 228 payments of {$980.00}. that totals approximately {$220000.00}, in 15 years, we paid note off early they reported the note as paid, and 2 years later they had attorneys evict us from the property. They lied on the answers on the previous report complaint and they have never answered my questions that I ask, they reword the questions and then answer what they want to answer. I paid off my note and they did not tell me, but the attorneys who evicted me from my home, had information, and evidentally Wells Fargo failed theyre duty in following thru. As you can see in the attached letters from them on the complaint, and on my questions, they stated, they sold the home again to someone. After reporting I paid off my note, even after that the banks attorneys were constantly defaulting us, they never answered theyre phone, or my calls, or questions, at the time we had no idea that we paid our home off early, but when we look at the ledger it all adds up. Some how, this happenned and it was not reported as a foreclosure, they know we paid it off, and in the letter they state, that the information they reported to the credit bureau was accurate, so why am I homeless. I am asking for the money I paid for that home to be returned to me with interest, and cant see a reason why, this is not a good reason to collect from them. Truth in lending disclosure which they are not mentioning anything with that, as they never even acknowledge that it is a final document and attached to the note. Furthermore how much do they think they should get for a {$75000.00} note, the truth in lending disclosure stated when we make all our payments in 30 years we would have given them XXXX, well we gave them {$220000.00} in 15 years and they stole our home, and never had to show proof of any ledger for the foreclosure, they have washed the ledgers and rewritten them several times, but we have the original, another thing is in theyre requests for a copy of the payment history internally with theyre company they request only until 2008, why is that, because it was paid off in 2008, and they reported it to the bureau, but then they say, what we reported is accurate, so with that how did they take my home.

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 2023-05-14 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: HOVG, LLC
State: PA

Complaint narrative:
XXXX and XXXX reported a {$3700.00} collection filed by Bay Area Credit Service from an uncollected account from XXXX, XXXX XXXX Works with no supporting data. 
I called and spoke with XXXX and XXXX XXXX on the phone the day I received and alert that the account had been posted to the credit companies asking for documentation of the account ; XXXX said the records were more than two years old and would require a subpoena. Bay Area Credit Service gave no answer.

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 2023-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX  Account # XXXX As violated my rights. 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A 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 2023-05-14 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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. 


[ XX/XX/2021, XXXX XXXX XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized inquiries.

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 2023-05-14 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
The following issues are still issues pending from complaint XXXX I received a delinquent mark on my credit report. The payment history and letter attached indicate " Pays as Agreed '' with XXXX payments paid over 30 days past due. Also, the record provided shows no late payments. Please have them correct the delinquent report. 





The following was indicated on my credit report : Account Number : XXXX Creditor 's Name : ALLY FINANCIAL Type Of Industry : Auto Financing Address : XXXX XXXX XXXX, XXXX XXXX MN  XXXX XXXX  : XXXX XXXX : XXXX XXXX  : MN  Amount Delinquent : XXXX Payment Status : Late XXXX  Days Also, Clause XXXX, Official Fee and Taxes, only indicates that Lesse is responsible for making all payments on the lease, including any government levies, which I did. Although I made all such payments to NJ as the " government. '' The insurance sales tax entitled to me from the insurance settlement is not to be paid to ALLY the Lessor. I am entitled to the XXXX tax payment indicated on the Letter of Guarantyship.

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 2023-05-14 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: VA

Complaint narrative:
I purchased two items from XXXX one of which I returned after obtaining an XXXX and return shipping label. Despite returning the item, XXXX  failed to issue a refund for the returned merchandise and was non-responsive to follow-up inquiries. I then disputed the portion of the charge for the returned merchandise with CITI, which denied the dispute based on " the merchant 's response, '' which consisted of a sales receipt for a different item, sent to a different customer, in an entirely different state ( Attachment 1 ).

I then sent a letter to CITI pointing this out and questioning how they could possibly be acting in good faith with their response ( Attachment 2 ). CITI responded with a letter stating that they had re-opened the dispute, but also stating that they had " called the merchant and spoke to XXXX, who indicated a refund was issued in the form of a gift card via email on XX/XX/2023. '' ( Attachment XXXX ). CITI did not provide any further information about their purported call with " XXXX, '' nor did they provide a copy of the purported email issuing a gift card. In fact, no " gift card '' was ever received, whether by email or otherwise, and the narrative purportedly provided by " XXXX '' is entirely fictional. 

On XX/XX/XXXX, CITI sent another letter stating that " the merchant is not willing to issue credit to your account, '' and that CITI " no longer [ has ] any additional recourse to pursue a credit for you through the dispute process. '' ( Attachment 4 ). Once again, CITI provided no support for the denial, or any evidence supporting the validity of the disputed charge. Instead, CITI appears to have taken the position that because XXXX  will not agree to voluntarily issue a refund for the properly returned merchandise, CITI will not reverse the charge. 

Because XXXX  does not dispute that the merchandise was properly returned, and has provided no evidence whatsoever of the purported " gift card '' that was never provided, CITI 's refusal to reverse this charge is unreasonable and not in good faith. I request that CITI be required to comply with their legal obligations and reverse 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 explanation
Consumer complaint received 2023-05-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 Wells Fargo processed XXXX ATM withdrawals from XXXX different checking accounts totaling {$3000.00} along with several XXXX purchases. WF has refunded the XXXX purchases, but has not refunded the {$3000.00} stolen from my account. 

The first attempts to withdrawal the money were DENIED, however WF approved the subsequent transactions without ever verifying my identity. This is opposite how they would handle any credit card transactions. Once there is attempted fraud on the account, i don't understand why they would approve additional transactions The Wells Fargo case 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 monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was been introduced the carecredit ( synchrony financial ) at the XXXX laser XXXX office, they said is easy to prove, no interest, .hassle free. So I opened the account borrowed {$4000.00} at XX/XX/2020, set up automatic payments which is they required a round $ 120 monthly online. Today i checked my account balance is {$3500.00}, after 3 years automatic payment, i paid them more than {$4200.00} already. i notice that they changed me more than {$2000.00} interes at XXXX, and after that 26 % interest every month around {$85.00}. Such a scam! You never get pay off, debt never going down. I Never received any email or text about the interest charges, or anything about promotional ended .... I been told interest freeat first time, and i followed the payment introduction all the time. Such terrible system, try to confused the customers, and stolen the money!

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 2023-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Complete Credit Solutions, Inc.
State: NV

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Im a victim of dv and I tried to get this off! I filed bankruptcy but Im still being denied apartments. I have placed a fraud on my 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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: MI

Complaint narrative:
In XX/XX/XXXX I Wrote Primary Creditor Via Mail Whom XXXX Allegedly Received This Information From. Their Response Was They Do Not Report To Any Credit Bureaus, In Which I Forward Both Letters To XXXX XXXX Mail. XXXX Refuse To Accept Documentation As Proof That They Are Falsely Reporting & Violating My FCRA Rights, & Is Damaging My Credit. XXXX Also Cant Provide Proof That They Contacted Anyone To Verify This Alleged Account! Attached Are My Letters I Wrote & Received Also XXXX Response

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 2023-05-14 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: VA

Complaint narrative:
I had tried several times to get this account removed from my credit report. Experian refuse to remove it even after I have sent the FTC report and the police report. I don't what else to do other than getting a lawyer!! It is a collection from XXXX XXXX for {$6100.00} it is FRAUD and should be REMOVED!!!!!!

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 2023-05-14 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. 


[ XX/XX/2021, XXXX XXXX  XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX  ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized inquiries.

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 2023-05-14 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. 


[ XX/XX/2021, XXXX XXXX  XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized inquiries.

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 2023-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Marcus Goldman regarding their failure to credit the promised bonus to my account. I participated in their promotion, which required depositing {$10000.00} to receive an extra {$100.00}, in XXXX of this year. Despite meeting all the necessary conditions, I have not received the bonus. 

Here is a timeline of the events and interactions I have had with Marcus Goldman : In XXXX, I deposited {$10000.00} into my account to fulfill the promotion requirements and become eligible for the bonus. 

The bonus appeared on my account initially but stopped showing up in XXXX. 
Concerned about the missing bonus, I called Marcus Goldman 's customer service and I was informed that there was a technical error but assured that I was still eligible for the bonus. I was told that the bonus would be credited to my account on XX/XX/XXXX. 

On XX/XX/XXXX, as the bonus did not appear on my account, I contacted customer service again. I was instructed to maintain the account balance until XX/XX/XXXX. 

Following their instructions, I kept the balance in my account and called customer service once more. On this occasion, I was assured that I had met all the conditions and the bonus would be credited within 1-3 business days. Additionally, I was informed that I was free to move the balance in my account. 

Based on the information provided, I removed the {$10000.00} from my account on XX/XX/XXXX, expecting the bonus to be credited soon. 

Today, XX/XX/XXXX, I engaged in a chat conversation with a Marcus Goldman agent who was not only rude but also claimed that my account was not eligible for the bonus because there was no balance. This contradicts the information previously given to me and is extremely frustrating. 

Throughout this process, I have been constantly fed inaccurate information and denied the promised bonus, despite fulfilling all the requirements. This situation has caused me significant inconvenience and has damaged my trust in Marcus Goldman.

I kindly request your intervention in this matter. I believe that Marcus Goldman should honor their promotional offer and credit my account with the {$100.00} bonus as originally promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14 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: Credit Karma, LLC
State: NC

Complaint narrative:
Credit Karma app-As of XX/XX/23 has all my accounts closed, and XXXX XXXX XXXX on XXXX. As has me labeled as deceased. Im very much alive and I find this very disturbing and unprofessional. I would like this addressed and corrected asap. Thank you for you assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax has reported me as " dead '' and took away my score. 

I am very much alive, not sure how or why I was reported other wise

Company response to consumer: Closed with explanation