vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See attached documents, also pursuant 15 USC 1666 late payments should not be reported so I am requesting late payments be removed from my consumer 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 2022-07-31 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Received my credit card statement from Citi and a charge for {$7800.00} was listed on XX/XX/2022 for a company called XXXX out of XXXX XXXX XXXX contacted Citi customer service and notified them that my card had been hacked it appeared.They went through my charges and found where whomever had hacked account had tried to charge the same amount a week later but had been red flagged and never went through the second charge.They referred the case to their fraud dept for review.Someone contact me and asked several questions in regards to my card XXXX noticed when receiving my recent statement that they had added the charge back on to my balance after it had been removed.I called Citi back and notified them about the issue and asked why it hadn't been resolved.They said it would be resubmitted to fraud dept.I haven't heard anything since this response. 
I contacted the company XXXX concerning the fraud charge and last e-mail wasas follows XXXX XXXX, Thank you for your patience! 

You are receiving this automated email as your request is currently with the XXXX XXXX XXXX XXXX team and youve been waiting several days for a resolution, likely beyond the original expectations provided to you by our support staff. 

Your business matters to us and were diligently working through an increased number of requests at this time. There is nothing more you need to do on your end but we wanted to assure you that your request is still active and we will address it with the same urgency and importance as the merchants were currently helping. 


I would like to have this pursued by the CFPB and get this fraud claim resolved Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
First, I have Capital One direct deposit. 
My complaint is about Capital One credit card Walmart. I had them for over a year. I have EXCELLENT payment history. The same day I made a complaint through this company for XXXXXXXX XXXX Capital One closed my account. They said I had a return payment in XXXX. That is why they closed it. I have my payment history. Hopefully I can include this. This is a bit spooky. I make like 5 or more payments a month. If I messed one up, in XXXX, is that a reason to turn off my account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was 97 % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score. 
I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with XXXX, which I did.

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 2022-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
Cash App has withheld {$600.00} in refunds to me since mid-XXXX, when they said money would be received. When I try to determine where that money now is, they obfuscate at every corner and give me no details as to where they are in the resolution process. Ive been disconnected several times, Ive been ignored, and in no way have they sought to resolve the issue or provide me with any detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am submitting a formal complaint to XXXX. I have submitted various verification letters to XXXX of fraudulent inquires on my credit report that continue to exist. XXXX has knowingly failed on their obligation to receive proper written verification for multiple inquires on my report and have taken no account to deleting this inaccurate information. A year ago I filed a FTC report for identity theft and a CFPB complaint for an inquiry by Lightstream/Suntrust . The company provided an application with the reference number XXXX and failed to show proper verification that identifies if my social security number or any other personal identification was used for this application and a valid signature that shows I applied for this loan. XXXX is wrongfully and illegally continuing to report this information despite not having proper verification for this inquiry.

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 2022-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: MO

Complaint narrative:
Upon starting my home buying process, I was told by the mortgage lender that I qualified for down payment assistance thru FHA, I was very happy to know this as I did not have funds for a down payment. Through the whole process of applying, signing docs and talking to my lender it was never disclosed to me that The Down Payment Assistance Program is a LOAN!!! Even at my closing when the title company was going over the closing docs she even quoted my monthly mortgage amount still no mention another loan not until I had moved into my home when one day in the mail a bill comes from a mortgage company i never heard of with a monthly bill amount, I was totally caught off guard, baffled, and confused, I immediately contacted the mortgage lender XXXX whom I obtained my mortgage he explained that yes this is my second mortgage. I just dont believe this is fair treatment to us as consumers to be treated like this, I had my payment of what I would be paying already planned out, I believe I should have known clearly that the down payment assistance is a LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: Nelnet, Inc.
State: PA

Complaint narrative:
XXXX continues to report NELNET has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both XXXX and NELNET know the school loan was in deferment and the information has been reported to XXXX. I am being harassed by both XXXX and NELTNET regarding my school loan data. My Credit report is required to be updated by XXXX and return my XXXX points. NELNET has had my school loans since XXXX. If another agency like, XXXX is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to Federal Student Loan account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from mXXXX XXXX XXXX due to the cap of XXXX put on Federal school loans by the Republican Congress in XXXX. I have been trying to resolve this issue for 2 years. Both XXXX and NELNET refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former XXXX now servicing school loans as Conduit. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my Federal Student Loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I sent letters to dispute the issue on my credit report and credit bureaus did not remove inaccurate information even when I sent in evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have a promotional offer with a credit card, it is my understanding that all credit cards have this policy/rule/guideline. I have a balance transfer offer that I took advantage of, paid the transaction fee, and tried to pay prudently. 

XXXX XXXX at 0.99 % ; rate expires XX/XX/XXXX ; Balance around XXXX XXXX XXXX at 0.00 % ; rate expires XX/XX/XXXX ; Balance around XXXX I made a monthly payment around {$350.00}. So for the past XXXX - 12 months I have made an effort to pay off the XXXX XXXX so that I could have a XXXX balance come its expiration date. On XX/XX/XXXX, the rate increased to 19.49 %. 

However, it has been impossible for me to pay toward XXXX XXXX. Once my XXXX XXXX started ( likely XXXX XXXX ), the entire payment has gone to Balance Transfer # XXXX. I don't want it to go to # XXXX, I want it to go toward # XXXX. I CAN NOT DESIGNATE WHERE MY MONEY GOES. 

I have called twice over past 6 months to designate my payment to XXXX XXXX, but they can not put the payment toward that offer because there is a law? that requires the payment to go toward the balance with a higher interest rate. I asked the company ( Citibank ) to move the money due from # XXXX to # XXXX, but no, not without paying the transaction fee again. 

Clearly this Law? went into place to protect consumers, but they missed this caveat. So, as of XX/XX/XXXX - I have a XXXX balance on XXXX # XXXX, but my offer has 4 months remaining. I have my XXXX XXXX balance on XXXX # XXXX, now at an interest rate of 19 %.

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 2022-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I applicated for a Home Equity Line of Credit. I provided all documents and met the Credit score needed to be accepted. I was done provided a deny letter because unable to verify identity. Which is completely absorbed. I feel this is a discrimination because I am a XXXX male to be denied.

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 2022-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I sent letters to dispute the issue on my credit report and credit bureaus did not remove inaccurate information even when I sent in evidence.

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 2022-07-31 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: OK

Complaint narrative:
I sent letters to dispute the issue on my credit report and credit bureaus did not remove inaccurate information even when I sent in evidence.

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 2022-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion continues to report XXXX has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both TransUnion and XXXX know the school loan was in deferment and the information has been reported to TransUnion. I am being harassed by both TransUnion and XXXX regarding my school loan data. My Credit report is required to be updated by TransUnion and return my XXXX points. XXXX has had my school loans since XXXX. If another agency like, XXXX is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to XXXX XXXX XXXX account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from my PhD program, due to the cap of XXXX put on XXXX school loans by the XXXX XXXX in XXXX. I have been trying to resolve this issue for 2 years. Both TransUnion and XXXX refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former XXXX now servicing school loans as XXXX. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-31 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: ACS Education Services
State: PA

Complaint narrative:
XXXX continues to report XXXX has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both XXXX and XXXX know the school loan was in deferment and the information has been reported to XXXX. I am being harassed by both XXXX and XXXX regarding my school loan data. My Credit report is required to be updated by XXXX and return my XXXX points. XXXX has had my school loans since XXXX. If another agency like, ACS is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to XXXX XXXX XXXX account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from my PhD program, due to the cap of XXXX put on XXXX school loans by the XXXX XXXX in XXXX. I have been trying to resolve this issue for 2 years. Both XXXX and XXXX refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former ACS now servicing school loans as XXXX. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
The MoneyLion Paid Off letter ( attached ) states the final payment, {$33.00}, was received by MoneyLion on XX/XX/XXXX. It clearly states the loan was paid in full. At this time, MoneyLion is reporting a {$200.00} Charge Off. 

The amount and the final payment was coordinated with a MoneyLion agent by phone. I also phoned MoneyLion to coordinate the balance of the Credit Reserve account, {$700.00}, moving to my XXXX XXXX XXXX account ( XXXX received XXXX ) and close out the account. 

There was no account activity or communication from MoneyLion since XXXX. In XX/XX/XXXX XXXX and XXXX received information from MoneyLion stating I was past due and had a balance of {$200.00}. The result of the misinformation provided was a XXXX point drop in credit scoring. 

I tried to clear any miscommunication with MoneyLion on XX/XX/XXXX. The credit report no longer has a past due impact but the {$200.00} balance remained and moved to a Charge Off. How?? The letter MoneyLions customer service provided states paid in full. 

Since this discovery on my credit report, I have phoned MoneyLions customer service at each step ( Dispute Tickets : XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). Each time agents have reviewed my account and found no remaining balance ; not past due or any other requirement. Each customer service call ends with them asking me to wait patiently for the Dispute Center to respond and both times they respond saying they find no issue with their reporting. 

Sincerely, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
# 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 furnish a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open # XXXX, has violated my rights. 
1

5 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 car furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a
payment on a credit card account under an open plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I booked a room on XX/XX/2019 online. The reservation and advertising was for " XXXX XXXX XXXX XXXX XXXX ''. On arrival at the address for Hotel given on my receipt, I was unable to find the Hotel because there was no such Hotel at that address. The Hotel at that Address was actually signed and displayed internally as " XXXX XXXX XXXX ''. I asked Management on duty and Management claimed the Hotel had changed ownership very recently and was planning to update their advertising. I refused to stay and was denied a refund by the Hotel. The booking service did give me a coupon coverage a fraction of the costs of travel, rebooking and the actual room cost. I have done research and the Hotel NEVER did update to XXXX XXXX XXXX XXXX XXXX or provide me any proof that the Hotel was ever in fact ACTUALLY the XXXX 's XXXX XXXX XXXX, I sent pictures, documentation and phone records of the original reservation all showing the discrepancy in an attempt to resolve the dispute. The charge and reservation are a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have workers compensation and was injured on the job. 
The staff took information and I did not take down the info as WC. 
I forwarded the 2 bills to the risk managment department as instructed but they still appear as my personal debt.

Company response to consumer: Closed with explanation