vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I have been scammed, a supposed employer told me I would be receiving 2 transfers into my personal checking account. When I noticed Upgrade took out an automatic payment out of my checking account, I immediately called Upgrade and filed a case with them. 
There were 2 loans one for a total of {$38000.00}. 
XX/XX/22 - {$28000.00} XX/XX/22 - {$10000.00} I then realized once speaking with Upgrade that they were the same exact amounts I received from an online job that has contacted me for part time work from home earlier in that month. I was looking online for a part time job from home, evenings and weekends and was contacted by a person saying they worked for a Architectural engineering company based out of the XXXX with offices in XXXX, IL and XXXX, TX. After doing some research, I learned the company was legitimate. After running my credit, and sending my information they deposited the above 2 amounts into my account and directed me to send cashier checks, wire transfers. Later I was instructed to buy bitcoin. That was when I became suspicious, but it wasn't until a week later I saw the loan payment come out of my Checking account. 

As it turns out that I see, I was scammed and they used my information to open up these 2 loans in my name and send the money to other people. 
I can't pay these loans back, nor do I have the money from the loans. 

The only information I have on is the person 's name that contacted me was XXXX XXXX and also XXXX XXXX XXXX. 
XXXX - XXXX -- XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I recieved an email offer ( as shown in the attachment ) which offers me {$400.00} after required activities. On XX/XX/XXXX, I went to a Regions bank branch opening a new checking account. During application I showed branch rep the email offer I had. I completed {$1000.00} deposit within 30 days. On XX/XX/XXXX, I haven't received the bonus so contacted the Regions customer service and ticket # XXXX was created to research on the issue. They promised to give a resolution within 5 business days. On XX/XX/XXXX, the XXXX timeline has passed but I haven't received any reponses.

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a PayPal credit account through Synchony Bank. They offered deferred financing for 6 months on purchases over {$99.00}. Three of my purchases were expiring on XXXX. I made a large payment of {$910.00} and used the chat feature to request the payment be allocated to the purchase of the same amount. Had this been done properly, I would have avoided {$110.00} in accrued interest. Two days later, I see they missapplied the payment to a lower purchase amount ( which only carried accrued interest of {$40.00} ) leaving a balance on the purchase amount I was trying to pay. This will cause me to be charged for the higher interest amount of {$110.00}. When I called the company to have it corrected, I was told it will take 1-2 billing cycles to correct it, they also provide no proof/verification of the conversation. I received no record of the original chat, as they do not email a copy as most companies do, and you can not take screenshots of the chat. So I have no record of the conversations. It is my belief that this was intentional so that the company can collect more interest from customers. I made the payment amount for the exact dollar amount of the purchase I wanted it applied to, so it should have been " dummy proof ''. I wonder how much money they have made by doing this to customers " accidentally ''. I raised the concern that I will be charged interest on the accrued interest that is going to be applied. I do not feel that the information they provided is truthful or accurate. The agents all have fake American names ( always two first names ) and when I expressed my distrust of the company to one of the agents I spoke to, they said " just trust us ''. Everyone knows that is a major red flag when someone says that. This whole situation reeks of intentional fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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:
I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-02-01 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: PA

Complaint narrative:
I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell AVANT LLC/WEB BANK to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

AVANT LLC/WEB BANK Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient calls my family members up to 10 times a week despite being told not to call. Yesterday they left 3 vms for my XXXX old dad and one for my friends daughter who lived with me 8 years ago for 4 months when she was XXXX. Both were told theyre trying to contact me to collect on my student loan debt - so humiliating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The bureau have many names addresses jobs and socials on me that is not me i have contact all and ask for them to be removed it is the same

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 2023-02-01 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-02-01 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:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-02-01 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: PA

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: OH

Complaint narrative:
Citi has repeatedly assured me that credit resulting from a fraud investigation will be issued, but has failed to apply the credit and layered additional incorrect charges on top of it. 

Fraudulent XXXX purchases totaling {$6900.00} on our Costco Anywhere Visa were detected by the Citi system XX/XX/XXXX. I immediately responded by disputing the charges and the card was closed. 

XXXX issued partial credits of {$5800.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. However, reverse charges issued by Citi on XX/XX/XXXX totaled {$8800.00}. The result is a difference of {$2800.00} between the credits and the reversed charges. Several of the XX/XX/XXXX reverse charges appear to have been applied incorrectly ; for example, there are three reverse charges of three different amounts all with the same ID. 

I spoke with Citi representatives in the Security Operations Department on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, including two supervisors. I was told each time that some action was being taken sending it back to the original investigator, reopening it, doing an internal audit, and submitting a report were the various actions described. Each time I was told to call back in a few days to allow time for credits to appear. 

On XX/XX/XXXX an item simply called Credit appeared on my account that looked like progress. But it was incorrectly applied as a charge, not a credit ( and with a strange XX/XX/XXXX date ). Now the original difference of {$2800.00} plus this incorrect {$1800.00} charge need to be credited to the account, for a total of {$4600.00}.

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 2023-02-01 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: MD

Complaint narrative:
I have reached out to the three different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change it.

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 2023-02-01 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I submitted a XXXX  complaint on XX/XX/XXXX. On XX/XX/XXXX I requested, among other things, validation of the alleged debt. 

Choice Recovery responded to this request by sending me a financial policy. The documentation, among other things, does not validate any debt, show any credits applied, or show any explanation of charges. 

While I was disputing the validity of this debt with Choice Recovery, I also contacted the original creditor ( OC ) XXXX XXXX XXXX XXXX XXXX XXXX. The OC, in my opinion through medical negligence, botched a dental procedure than caused me personal injury. I have been advised that in Missouri a dental assistant can not seat a crown which is considered by many to be a critical part of any dental restoration procedure. I had a crown seated by someone who was not trained to the standard of care and as a result I was harmed. The dentist advised me they would fix the issue at no cost to me. I was moving and I was fed a line that they were going to get me taken care of at a " sister clinic. '' Nobody followed up with me and I left several messages for them. They told me if their " sister clinic '' could not fix my issue ( s ) then I would receive a credit and not be charged. In XXXX I spoke with XXXX and confirmed via telephone that I did not have a balance. I was advised by XXXX, the practice XXXX, that she would have to contact legal in order to send me a letter confirming all of this. I never received a letter. And they must have blocked my number or something because whenever I tried calling back to follow-up, I was either left on hold for over XXXX minutes or made to leave a message and nobody ever returned my call. 

Despite my best efforts to follow-up I received no letter from the original creditor and on XX/XX/XXXX Choice Recovery posted a collection from this original creditor - this time for an even higher amount to my credit report. 

Choice Recovery posted the collection knowing full well they never validated the debt in XX/XX/XXXX and never sent me any oral or written communication notifying me that they were going to post the account. This is a violation of my rights under debt collection and consumer finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell DISCOVER BANK to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

DISCOVER BANK Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Plastiq Inc.
State: OH

Complaint narrative:
I attempted to send money domestically to a vendor for a series of items at an agreed upon price. I entered my payment information and received confirmation that my credit card was charged. The next day, I then received notification that my transaction was canceled because the bank was " unable to support '' my transaction. I was referred to a document on their website about supported purchases. My purchase did NOT fall under any of the unacceptable items and could easily be categorized in several explicitly acceptable categories. I then resubmitted the request with updated information, and again the transfer was cancelled with no explanation. I then attempted to contact the company using the links they provided. I tried the phone number listed on their website, but it was an unmonitored number and would not connect me with a representative. I then tried the " chat feature '' I was referred to, but this was automated and also didn't have any method to reach a human. I then emailed the account services team with my complaints/concerns, and I was reconnected with the same representative ( XXXX XXXX who canceled my transfers in the first place. I was rudely told I was no longer welcome to use their services, and I was not given an opportunity to explain my rationale or logic for the transaction. As a result of these transactions, this banking company has a significant portion of my funds being held for 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called the Capital one auto finance to advise them I did not apply for a loan with them and XXXX also XXXX I'm not even sure what these are. When I called they asked me to call the credit bureaus to remove them in which I did and they are still on my credit file I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I opened a BMO Harris checking and savings account. I received the bonus as advertised on the savings account, but did not receive the bonus on my checking account. The bonus was in the amount of {$300.00} and was to be paid within 120 days. It is now XX/XX/XXXX, and the bonus was not paid. XXXX XXXX XXXX via chat on XX/XX/XXXX verified that my account met the requirements. Shortly after, I called the number provided and was told to wait a little longer for the bonus to post. I have waited for the statement to close, and the bonus is still not posted. Chat attached.

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 2023-02-01 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: MA

Complaint narrative:
Account XXXX, # XXXX Auto Loan on XX/XX/XXXX reported " 90 days '' for XXXX Payment History - This is incorrect Account Status reported " 90 Days Past Due '' - This is incorrect The creditor sent me an email on XX/XX/XXXX stating " Your account is past due and is about to be reported 90 days late. By making a payment of {$560.00} before XXXX XXXX pst today, the credit reporting for this account will be reduced to 60 days '' ( copy of email attached ) I scheduled a payment on XX/XX/XXXX of {$560.00} for XX/XX/XXXX. ( proof attached ) Reducing credit reporting for this account to 60 days as per the creditor email. 

In addition, I also scheduled a second and third payment on XX/XX/XXXX for XX/XX/XXXX for XXXX and XXXX Totalling XXXX, a full monthly payment FURTHER REDUCING MY CREDIT REPORTING TO 30 DAYS LATE as per creditor email. 

Payment History for XXXX, XXXX must be corrected from 90 days to 30 days Account Status must be changed from 90 days past due to 30 days past due

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 2023-02-01 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: NY

Complaint narrative:
XXXX, equifax, XXXX, Credit companies are not complying with their own policies within a timely manner, on XX/XX/2022 I contacted the above companies regarding multiple account inaccuracies including a XXXX consumer account showing {$10000.00} balance and inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have yet to receive in response.

Company response to consumer: Closed with explanation