vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I received multiples notices through mail and email in regards to pre approval for loan with Onemain financial. I opened the loan in XXXX of XXXX at the time of opening loan I was not employed. The interest of the loan makes it impossible to become current and pay in full. I called in XXXX of XXXX in attempt to resolve this debt. Creditor reduced my balance {$4000.00} in which Im still actively paying however onemain is reporting to the three major credit bureaus that the account is charged off wish is false. I have hired attorney and will be seeking dmages as this has affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 602 A section 2 also a consumer reporting agency can not account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 602 A section 2 also a consumer reporting agency can not account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 602 A section 2 also a consumer reporting agency can not account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have opened my account with Capital one on XX/XX/XXXX, using promo code XXXX and deposited {$100000.00}, as advertised from my XXXX account. Per terms of advertisement if I keep my money for 90 days, I will get {$1000.00} as sign on bonus. I kept my money in account until XX/XX/XXXX ( i.e. 94 days ). I call bank on XX/XX/2023 and asked when I will get my bonus customer support told me I am not eligible, I argued with them and then transferred to supervisor. The supervisor told me I am eligible and will get my bonus on XX/XX/XXXX ( ref number for call : XXXX ). Today on XX/XX/XXXX, I didn't receive my bonus. I called bank again and spoke to supervisor. She told me, other supervisor mentioned I might be eligible and she didn't guarantee. I remember she did mentioned I will get it as it is per the term. I asked to listen to recording and file a complain for it ( ref number for call : XXXX ) As next step bank will take 30 more days to resolve this whether I will bonus or not. So, I want to raise this complain with CFPB as well. Happy to provide all relevant information as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Today XX/XX/23 I found out by trying to use my card and not receiving a letter or anything about my account being restricted for no reason. I am a widow and mother of XXXX my husband was all XXXX of my children father and their ssi was going to my chase account now because of chase my kids and i are on the verge of being homeless. I am trying not to get a lawyer and file arbitration or small claims i need my money this week because i can not be on the street with XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
I have been disputing this since XX/XX/2023. This debt doesnt belong to me, it was an act of retaliation and HUD is currently handling. XXXX has been in compliance but XXXX and Experian still havent removed 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this CFPB Complaint to espress my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. The following accounts needs to investigate and be corrected or deleted on my file : XXXX XXXX XXXX XXXX : {$6900.00} Date Opened : XX/XX/2020 - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX XXXX XXXX XXXX : {$7100.00} Date Opened : XX/XX/2020 - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX Balance Owed : {$7400.00} Date Opened : XX/XX/2020 - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this CFPB Complaint to espress my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. The following accounts needs to investigate and be corrected or deleted on my file : XXXX XXXX XXXX XXXX : {$6900.00} Date Opened : XX/XX/2020 - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX XXXX XXXX XXXX : {$7100.00} Date Opened : XX/XX/2020 - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX Balance Owed : {$7400.00} Date Opened : XX/XX/2020 - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I was traveling on vacation with my family. Our car got broken into in XXXX XXXX across the XXXXXXXX XXXX and my wallet was stolen. This occured on XX/XX/2023. My credit  cards were all swiped at XXXX XXXX XXXX CA  ) and I got messages on my phone at XXXX XXXX. I immediately called Bank of America ( my credit card company ) immediately and disputed a {$370.00} charge at XXXX, and filed a fraud claim with them in addition to reporting my card stolen. The thieves tried to swipe the same card for XXXX $ which was declined. 
I subsequently filed a police report with the XXXX XXXX reporting all my stolen items including my laptop and passport. 

BoFA  got back to me and told me that they were investigating my claim. They initially credited the XXXX $ back to my account, but after 10  days, they've closed the investigation and taken it out of my account again. 

Their resolution letter reads, " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I am attaching the police report and Resolution LetteXXXX from BoFA to my complaint letter. I am also attaching photographs of our car with the window smashed ( with time-stamps ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16 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: NY

Complaint narrative:
I received the pre-approved offer of Amex platinum card in mailbox ( XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX ) on XX/XX/XXXX, in which it said I could get XXXX membership points as the welcome offer if I applied the card. Also, it said very clear that I was pre-approved. 

Then XX/XX/XXXX, I applied this Amex platinum card online, when it was being processed, I made a phone call to the Amex customer service about the application. During the phone call, I asked three times to check whether I indeed have the welcome offer with my application not, and all three times the representative told me that yes you got the offer. Then she said I got approved, and asked me do I want to have the card, then I accepted. 

Then later on XX/XX/XXXX, when I asked the online customer service to send me a copy of the welcome offer details, I was told that my welcome offer was declined. I explained what happened and she asked me to contact the customer team via phone call. So I made a phone call again and asked what happened, and this time I was told by the representative that I indeed didn't get the offer and she said the decision was made based on my previous relationship with Amex. She also told me it was very unlikely that the decision would be changed although I have the evidence to show that I was not responsible for what happened. So now I have this card with me with no welcome offer at all and also I need to pay for the annual fee. 

I think what happened to me is nothing but a fraud as they first sent me the promotion saying that I will 100 % have it ( pre-approved ), then during the process the representative tried very hard to persuade me to accept the card so she kept telling me that I got the offer, and at last after I applied and got it they denied on what they said immediately and rejected to give what I supposed to have. 

Also the reason they gave was very ridiculous and contradicted to their own statement, because if it was because I didn't have a good relationship with Amex, why they sent me the customized pre-approved offer at first? I feel I was cheated by them and I am a victim of the false advertising of Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
{$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the company to figure out what this loan was and its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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 requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 2023-05-16 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX for 5  years at a very high interest rate of over 17 %. So I refinanced the loan with America first credit union. 
I recently checked my credit report and the account with XXXX XXXX is listed as CLOSED even though it was paid in full. 

On or around XX/XX/XXXX America First paid off the loan on my behalf with XXXX XXXX and refinanced my XXXX XXXX XXXX thru American First CU for 2 years. 

On or around XX/XX/XXXX I again refinanced the remaining year of the XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. The loan was paid off in full by XXXX XXXX XXXX XXXX. 

Just like XXXX XXXX  listed the account as CLOSEDso did America First Credit Union listed the account Closed I have recently learned that closed accounts dings your credit reports big time. 

I have been on the phone with America First to change this but they insist the loan to them was not paid off by me therefore but closed out. I totally disagree with this because the loan between America First and myself was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to have 10 different hard inquiries removed that are not affiliated with any open accounts on my transunion report due to fraud that are currently stopping my credit worthiness to be better then it is Ive reached out to transunion a few times and hasnt had any success with response or removal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IN

Complaint narrative:
I recently obtained a copy of my credit I asked the creditor to validate this ledge of debt. It has been past XXXX  days since they received a certified letter. My rights have been violated and I have not given them consent or filled out a HIPPA form, giving this company my medical information. 
In accordance with the Fair Credit Reporting Act, the following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXE XXXX 15 U.S.C 1681 SECTION 602 A States I have rights to privacy. 
15 U.S.C. 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: SC

Complaint narrative:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation