vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX, at XXXX XXXX XXXX I called Equifax and spoke to XXXX regarding the unresolved dispute I mailed on XX/XX/2021 to have Equifax remove hard inquiries that were not requested by me. I have yet to receive a resolution and advised XXXX I filed a complaint with the Consumer Finance Protection Bureau ( CFPB Complaint ID XXXX ). XXXX stated that Equifax will not investigate the inquiries and that I have to conduct my own investigation by contacting the company myself. I contacted them and was advised Equifax is responsible for reporting accurate information on my credit report. I feel these accounts are adversely affecting my credit report and I do not recall requesting any of these inquiries. I need this problem fixed asap. Section 611 ( a ) plainly states 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 45 days and Equifax is refusing to investigate this so these items should be deleted immediately. If these items are not removed immediately I will have no choice but to file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Two credit cards where opened and issued in my name without my knowledge. One issued by Capital One Bank, one issued by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
BMW Financial Services is currently reporting 4 months of payments 30 days late to each of the credit bureaus, when they were not late. They have confirmed this information for me, but will not update the information correctly. When XXXX, XXXX XXXX and XXXX investigate BMW is not cooperative. My complaint is for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My Name is XXXX XXXX XXXX I was issued a warrant on XX/XX/XXXX and i was notified of it by my parole agents so i placed all my wallet belongings into a XXXX firesafe and when the police arrived i went with them and left this locked i was the only XXXX with the combo. 
I went back to prison until XX/XX/XXXX when i was released early i was meant to get out XX/XX/XXXX, i came to a treatment center, i then went home for a pass to get my stuff and seen that my home was broken into at some time this day was on XXXX the XXXX i looked for my safe and i couldn't find it so i logged into my acct. and seen that the funds were missing so i started to call the bank { Capital one 360 mobile banking } it was to late to talk to anyone in the fraud dept. so i call the next day, i had to return to the treatment center also, on XX/XX/XXXX i filed a claim with capital one 360 mobile banking for all the usage on my card and my account, they started the investigation for me and issues claim numbers for it they are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX for account ending in XXXX and from that day forward i have been helpful trying to give the bank all the information they would need to help them in there investigation such as the prison documents showing the dates i was locked up and the dates i was released and the police report number and officer name and information. 
Now with the bank having a full statement from me and having state issued documents showing that i could never have made any of the transactions cause i was in prison they still denied returning my money to me. each month the bank informs you how much comes in and how much goes out they tell me its {$11000.00} that was spent out of my account but i add up differently and maybe i am wrong i am adding up what i got deposited into my account each month cause it is what was spent i did spend any of it.so what i can add up is that each month 's deposits based off the bank statements they are as follows ; XX/XX/XXXX XXXX to XXXX {$430.00}, XXXX {$6600.00}, XXXX {$2900.00}, XXXX {$2300.00}, XXXX {$2300.00}, XXXX {$1700.00}, XXXX {$1400.00}, XXXX {$960.00}, XXXX {$0.00} for a total of {$18000.00} was deposited into my account and which i never used nor gave permission to have anyone use, ,so for the month of XXXX, the acct was used w/o permission from the XX/XX/XXXX at XXXX to XXXX, then XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, up to XX/XX/XXXX. 
I will be attaching emails and bank doc. for you i hope all this helps cause none of it did for the bank they say they see no errors and it blows my mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: VA

Complaint narrative:
On XX/XX/2021 I contacted the bureaus regarding the alleged authorized user on my accounts and there are none. I have never set up nor had authorized users on my accounts. I spoke with XXXX at Transunion at XXXX XXXX EST.  He confirmed there are no authorized users listed on my account and there is no information in their system that shows there ever was an authorized user. I spoke to XXXX at XXXX at XXXX XXXX EST and I spoke with XXXX at XXXX at XXXX XXXX EST who both also confirmed the same information as XXXX. 

The CFPB did close all complaints where the bureaus intentionally provided this inaccurate information. I believe the bureaus lied to the CFPB to get my complaints closed out so they do not have to resolve my credit report issues. This is causing extreme distress in my personal finances and I need your help. These inaccuracies are adversely affecting my credit report and need to be removed immediately. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

Since the bureaus are intentionally providing false information to the CFPB I do not believe they intend to complete their investigation or provide accurate reporting on my credit. The bureaus are also in violation of the FDCPA Section 807 by providing misleading false reporting. I am reaching back out to you to assist me in resolving this matter asap. 

I am demanding that these items be removed from my credit reports immediately or I will have no choice but to file for litigation due to the unnecessary stress this has caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This company had inquiries on my report as a result of identity theft. They deleted these inquiries after receiving my FTC report. Prior to this matter this impaired my creditworthiness, which caused XXXX Their action of deleting inaccurate reporting on my credit report is admission of liability. This company has a grave responsibility to report accurate information on a consumers report, which they have not done so.

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 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Experian along with my driver 's license and social security card. They received on XX/XX/XXXX according to the tracking number. XX/XX/XXXX I spoke to a customer service agent and disputed the addresses and personal information being reported incorrectly. But still didn't adhere to my request. On XX/XX/XXXX I called in and spoke with someone in the fraud department to dispute my name and false address again. Instead of adhering to my request they're adding information. On XX/XX/XXXX I called in again to politely ask them to remove my middle name because clearly they added it from my driver 's license instead I was told by XXXX that they have to input all of my information. I told him to not add my middle name again because I don't use it instead he told me that he was doing it anyway. This credit bureau isn't doing anything but opening me up to more identity fraud like they did when I contacted them on XX/XX/XXXX. This credit bureau agency allowed a consumer to change all of my membership information to his which locked me out my account. I received an email from Experian on XX/XX/XXXX stating that I changed my password and if it wasn't me then respond to the email or contact them. I did contact them and one brave employee told me who did it, where it was done and the information it was changed to. I went and filed a police report then mailed it to Experian who never got so they say, but refuse to help me get all of my information corrected due to their security breach.

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 2021-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV

Complaint narrative:
On XX/XX/2021 I realized I was several months behind on my XXXX upgrade program loan through Citizens Bank. My mistake was, I had a debit card stored for auto pay but that debit card had been compromised months earlier and when I had to cancel it, I forgot to update Citizens with my new card number. When I realized I was behind I contacted them ( they had emailed me, but my email on file was no longer in use ; and mailed something to my address but I had moved ; they had never called me ). At that time, they required that I pay the loan in full, and I obliged immediately. After all the mistake was mine. However, months have gone by and Citizens is STILL reporting to XXXX, month after month, that I have not paid. The balance keeps increasing each month. I have contacted Citizens and requested that they update this as paid in full, and although theyve promised that they would, they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2021 I called Synchrony Bank, the company that manages my XXXX XXXX  account, to inquire about foreign transaction fees for am upcoming trip to XXXX. I was told the company does not charge any foreign transaction fees. I even reworded my question to the customer service agent to something along the lines of " so if I make a purchase while in XXXX I won't get charged an extra 1 % when the transaction is converted because it occurred in another country? ", and still was told that Synchrony Bank does not charge foreign transaction fees. I have multiple credit cards and only took this one with me based on this information. I was charged a 3 % foreign transaction fee for every purchase I made in XXXX, which is a much higher fee than any of my other credit cards charge. On XX/XX/2021 I again called customer service to inquire about this and was basically told " sorry, someone gave you incorrect information but we aren't doing to do anything about it ''. This company should either have to give correct information on fees or correct their mistakes afterwards. Synchrony Bank has a call log from XX/XX/2021 where you can confirm that I received incorrect information regarding foreign transaction fees.

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 2021-12-05 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-12-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021 my online XXXX was hacked into and two charges totalling {$110.00} were made and charged to my Paypal account. I disputed the charges with Paypal as made by an unauthorized user and the claim was denied, stating that the use wasn't unauthorized. XXXX has had me send a letter to Paypal where they support my position that there was unauthorized use of my 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 monetary relief
Consumer complaint received 2021-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This company had inquiries on my report as a result of identity theft. They deleted these inquiries after receiving my FTC report. Prior to this matter this impaired my creditworthiness, which caused XXXX. Their action of deleting inaccurate reporting on my credit report is admission of liability. This company has a grave responsibility to report accurate information on a consumers report, which they have not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This company had inquiries on my report as a result of identity theft. They deleted these inquiries after receiving my FTC report. Prior to this matter this impaired my creditworthiness, which caused XXXX. Their action of deleting inaccurate reporting on my credit report is admission of liability. This company has a grave responsibility to report accurate information on a consumers report, which they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: VA

Complaint narrative:
On XX/XX/2021 I contacted the bureaus regarding the alleged authorized user on my accounts and there are none. I have never set up nor had authorized users on my accounts. I spoke with XXXX at XXXX at XXXX XXXX EST. He confirmed there are no authorized users listed on my account and there is no information in their system that shows there ever was an authorized user. I spoke to XXXX at Equifax at XXXXXXXX XXXX EST and I spoke with XXXX at XXXX at XXXX am EST who both also confirmed the same information as XXXX. 

The CFPB did close all complaints where the bureaus intentionally provided this inaccurate information. I believe the bureaus lied to the CFPB to get my complaints closed out so they do not have to resolve my credit report issues. This is causing extreme distress in my personal finances and I need your help. These inaccuracies are adversely affecting my credit report and need to be removed immediately. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

Since the bureaus are intentionally providing false information to the CFPB I do not believe they intend to complete their investigation or provide accurate reporting on my credit. The bureaus are also in violation of the FDCPA Section 807 by providing misleading false reporting. I am reaching back out to you to assist me in resolving this matter asap. 

I am demanding that these items be removed from my credit reports immediately or I will have no choice but to file for litigation due to the unnecessary stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
I was looking over my credit score through XXXX and noted a derogatory claim I had never seen before. I reviewed it, and it claimed I owed XXXX dollars to Florida XXXX XXXX XXXX. The claim was reported by Amerifinancial Solutions. I have never been contacted by either of these organizations about this debt, nor have I ever utilized the services of Florida XXXX XXXX XXXX. I only learned about this claim reviewing my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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:
AS I REVIEW MY CREDIT REPORT TODAY I NOTICE THAT THERE WERE SEVERAL INACCURATE ITEMS THINGS FROM 7 YEARS AGO AND NONE OF THE BIG 3 WILL CORRECT THEM THERE ARE ITEMS ON MY REPORT THAT I NEVER HAD ANYTHING TO DO WITH I HAVE BEEN ASKING FOR HELP NOW FOR 5 YEARS AND IT SEEMS NO ONE WILL HELP ME WITH THESE 3 COMPANIES THERE ARE ITEMS FROM XXXX SHOWING ON MY REPORT WHICH ARE PASS THE 7 YEARS BUT WHEN I CONTACT THEM THEY SAY THE DATE START OVER. I HAVE NOW NOTICE HOSPITAL BILL ON MY REPORT I HAVE NOT BEEN TO THE HOSPITAL IN YEARS ABOUT 20 SO HOW DO I OWE A BILL MY WHOLE REORT IS BEING REPORTED INACCURATE I DONT KNOW WHAT ELSE TO DO BUT TRY AND GET A LAWYER I PRAY THAT THE CFPB CAN HELP WITH THIS PROBLEM. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a {$26000.00} Check from a lady whose XXXX i nstalled paid out TO my business it too k Bank of America XXXX business days TO clear the funds for withdrawal once it WAS clear i usted 7,000 dollars everytjing WAS fine then they calles me and blocled me out they too k XXXX from bank OF America the Check never bounced and my money was stolen

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 2021-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I saw a referral offer on my American Express platinum card. The referral offer says " get XXXX Mr and addition XXXX membership rewards no matter what card your friend is approved for ''. 

I utilized this offer and used it to refer XXXX of my friends, he applied and was approved for the personal delta credit card. However, today a representative told me my referral is invalid because my friend was applied for a different card than what I was using to refer him. 

This does not make any sense as the offer clearly says " no matter what card your friend is approved for ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Two items on TransUnion need correcting. 
-18 months of rent reported to TransUnion from XXXX. TransUnion did not record information correctly on credit report. 

-Multiple credit inquiries ( all within 30 days of each other ) due to shopping for best mortgage rate, caused my XXXX score to drop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I went to pay my bill online like usual. I opened my account and was able to access everything. However every time I would try to make a payment it wouldn't allow it. I then tried by phone and every time it wouldn't give me a verification number and told me to contact customer service. I then waited on hold for over an hour. I was told she couldn't process the payment. I was told that I was over the limit because an annual fee had been issued. I will now be assessed a late charge on top of the over the limit charge that was caused by their unexpected fee because there is no way for me to get them to accept the payment. This is extreme predatory credit abuse.

Company response to consumer: Closed with explanation