vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: MI

Complaint narrative:
Account shows it was opened on XXXX XXXX its showing as a charge off and its not the company agreed to remove off of my credit report due to fraud XX/XX/2021 and its still 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 non-monetary relief
Consumer complaint received 2022-05-19 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: MI

Complaint narrative:
Account shows it was opened on XXXX XXXX its showing as a charge off and its not the company agreed to remove off of my credit report due to fraud XX/XX/2021 and its still on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2022 I settled an account with Regional Acceptance third party collection agency XXXX. I spoke to Regional Acceptance to request them to update my credit report showing that the account has been settled. As of today it has been updated that I still owe a balance of XXXX after they agreed to settled for XXXX. I spoke to XXXX in the charge department who ensured me that they will fax me over proof that the descrepancy has been correct. As of today it has not and has caused me not to obtain a professional license. I would like the CFPB to investigate this matter with Regional Acceptance and their third party agency, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Hello XXXX XXXX, My name is XXXX XXXX and I recently opened a citibank account online and transferred money into it from my local bank. I decided to purchase a home and initiated transfer yesterday ( XX/XX/22 ) for {$170000.00} minus the {$17.00} fee to a local title company. Today, my real estate agent texted me that the wire never arrived and when I called citibank customer service, I was hung up on twice and the third time she basically said that my account was blocked by fraud department and in the process of being closed. In the meantime, however, the title company has not received the funds for me the purchase the home and I need some answers. I have called FDIC, the office of the comp troller of currency and obviously they can not tell me where my money currently is. Please please help me. 
Can I please have some answers ASAP. 
Thank you. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paramount GR Holdings, LLC
State: OK

Complaint narrative:
I contracted with XXXX XXXX to have solar panels put in. They had this financed through GoodLeap for {$60000.00}. Good leap then automatically set up me a credit union account with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/2022. They even deposited {$5.00} into this account. Routing Number : XXXX. 

I already have 2 credit union and do not need another one. I called to have this account cancelled and was told that I would have to contact Goodleap and that I could not close this account. I have no mortgages or loans with XXXX. 
My Account Number with Goodleap is XXXX By phone : XXXX By email : XXXX By mail : GoodLeap XXXX XXXX XXXX  XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Remove immediately listed below : XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Remove and XXXX  immediately off 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 2022-05-19 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: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
My son used my freedom card for battery replacement on the vehicle. He was overcharged XXXX for service and product. He attempted to resolve the problem with merchant including getting documentation but merchant refused. 
I opened a dispute online with chase. I dont know how to properly utilize the system and its overly complicated. 
My main language is XXXX  and he is helping with this complaint. He contacted Chase on XX/XX/XXXX and explained the issues with disputing charge. We requested any documentation in paper format and in XXXX. Chase has not responded and we dont know if they are even disputing the charge. 
Likewise, complaints thru the cfpb should allow for submitting and receiving correspondence in the manner that is more convenient for people. You dont know if people have limited XXXX proficiency or have limited XXXX  due to aging. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX  its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX  remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
When I took out this loan in 2019 with one main financial I was told about the interest rate but not once did they show tell me about the finance charge they just showed me where to sign. Ive been paying on this loan on time since 2019. Ive been paying around {$280.00} a month. The Loan was for {$7400.00} so its 25 % interest which is fine I didnt mind that. The problem was when I went to make a payment I still owed over {$6000.00}. When I called to find out why I still owed that much they informed me that I had a finance charge of {$6000.00} on my account for the loan. Not once when I signed up for the loan was I informed or showed a finance charge. On the online portal the highest amount they showed for the total loan was around {$9000.00}. So they were hiding the amount of the finance charge on the online portal as well. Overall I owed over {$16000.00} for a {$7400.00} loan how is this legal? I was also in the military at the time of me signing the loan. So they violated the military lending act by hiding this information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
On Thursday XX/XX/XXXX I woke up to an email from chime telling me my email was changed and a text from them telling me my phone number was changed. I immediately called them to try and resolve and let them know that it was not me making these changes but they seem to have a hard time verifying who I was and filing disputes because I was unable to get into my account and verify any of the last 5 transactions that were made on the account. I called them 5 to 6 times that day trying to verify my account and trying to get them to put a hold on my account. I was finally told that there were several transactions made to paysend XXXX, XXXX, and so on. There were unauthorized transfers to my credit builder on XX/XX/XXXX that was about XXXX where the hacker bought several things at the apple store for {$500.00}, {$500.00}, {$2000.00}, {$4000.00}, and {$500.00}, I know this because able to reaccess my account on sunday XX/XX/XXXX for one day only after verifying myself with a picture and ID and took screenshots. As well as made dispute claims with chime. One for my credit builder account amounting in XXXX and one for my debit card/checking account amounting in XXXX On XX/XX/XXXX I was hacked again and still had a hard time verifying myself and the rest of what was left of my funds I believe. I had a hard time getting chime to suspend my account again that day and do not want to reactivate the account until I'm sure the hacker will not be about to get back into it. I got around {$10000.00} stolen from my account. I'm a single mother and this shouldnt have happened. I continue to get emails from chime saying that my disputes dont seem suspicious. As well as emails from them calling me by a name that shouldnt be on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am unable to get my XXXX and Equifax credit reports via XXXX. The website does not provide a reason for this but instead suggests I contact both bureaus. A postal address is provided for XXXX. No contact information is supplied for Equifax. 

I have tried and failed to speak with someone at both XXXX and Equifax. On several occasions I was waiting to speak to someone for over an hour. 

Note that I can access my XXXX credit report via XXXX. It is not clear to me why it works for XXXX but not the other 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I have a bank called current. Current.com is their website. Login for the app is down, and there is no online banking information. I am currently locked out and so is everybody else because its currently down and having an outage. BANKS SHOULD NOT HAVE OUTAGES. I AM CURRENTLY STARVING AND CAN NOT USE MY OWN MONEY THAT I ENTRUSTED CURRENT WITH. I AM CURRENTLY LOCKED OUT, STRESSED, AND I NEED TO EAT. I TAKE CARE OF MYSELF AND OTHER PEOPLE. ALL MY MONEY IS ON CURRENT. THIS IS A HUGE RISK AND CAN LEAD TO HEALTH ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: World Acceptance Corporation
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: CA

Complaint narrative:
I am a victim of identity theft/fraud and was able to contact/speak to representatives from all credit reporting agencies except Experians. I wrote them a letter with pictures of driver license and other documents proving who I am telling them I use to be able to login and now using ssan, birthdate, mailing address and answering all theirs questions it tell me something went wrong and to call their number only to be put a loop without being able to speak to someone. This been going on for 8 months and frustrated. Look like someone using my info and I locked out. Their online self help do not work when their issues with online verification cant resolve they need to have a live person to speak to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
re : XXXX This is hardly a new problem. I have two separate issues, which I will deal with in two separate submissions. They do all stem from the same initial problem. First new inquiry : I'm returning to this unfinished matter about Capital One and their failure to handle a problem of their own making in a proper way. 

I want the following question answered. It should be easy but I'd like an answer that makes sense. Here goes : WHY did Cap One cash an improperly-endorsed check ( " improperly '' according to their lights ) and then freeze the funds? 

Clearly, they discovered the issue right away, given that the money was deposited into my account and frozen, insofar as I can tell, virtually immediately? I checked my account the day right after my deposit and the monies ALREADY were frozen. Why, seeing there was an issue, did they not return the funds to XXXX immediately? What in the world impeded their return of the funds as soon as they realized that the checks were not endorsed properly? As it is, we are now firmly in month XXXX Can you not see that this an outrageous situation? XXXX months for $ XXXX? And they're still sitting on it. I want an answer to this question. An answer that makes sense. Anxiously awaiting your reply. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 there was a fraudulent wire for {$100000.00} going out for my account XXXX. I did not perform this wire and I need the bank to get back my money please.

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