vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: First Credit Services Inc.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My XXXX account was hacked and about {$300.00} worth of groceries and merchandise was approved for a delivery to an address in Colorado. I live in XXXX, SC and these charges should not have been approved by XXXX nor Wellsfargo! Wellsfargo has not issued a temporary credit and XXXX  says they cant do anything since some of the items were delivered. Name and address were both different from what is registered on my accounts. Again, these charges should have never went through! Wellsfargo has now also charged my acct. for being overdrawn as if my acct. was not on hold for 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 2021-11-10 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: NC

Complaint narrative:
On XX/XX/2021, my wallet went missing with a number of credit cards. I think it was at XXXX as I last used a ( different ) card at the framing counter in the back of the store. The thief/thieves/individuals used several cards to make unauthorized purchases/transactions at XXXX XXXX and one at XXXX that successfully went through as I was simultaneously cancelling cards upon discovery of the missing wallet. Between XXXX XXXX, as I discovered the charges, I contacted or followed up with the banks the charges were made. Bank of America for my Visa ending in XXXX was one of those, for a charge of {$960.00}. ( Noteably, one other card was used for the same amount at XXXX XXXX and another card was used for a {$590.00} charge at XXXX XXXX all within 30-45 minutes since I last had my wallet and noticed it missing. ) On XX/XX/2021, Bank of America sent me a letter denying my fraud claim, further opening the wound by saying I " agreed to assume responsibility for the balance of {$960.00} ... '' I did no such thing. 
I appealed that decision via phone, speaking with customer service rep XXXX. I gave the police report number. # XXXX XXXX with the XXXX Police Department. 
On XX/XX/XXXX, I was sent another letter, denying my appeal and saying their decision to decline the claim hasn't changed. It said " while you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' There are no other authorized users and I did not use the card to make the purchase or any purchase at XXXX XXXX on that day or the days leading up to it. '' If the physical card was used by an unauthorized user that should not make me responsible for it. Bank of America claims to protect consumers and holders of their cards, but in this case they have not held up their agreement. I request/beg that you take action. If I made the charge, I would totally accept it, but this is further victimization of a crime and is incredibly unjust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TN

Complaint narrative:
good afternoon I write today in hopes to solve a issue I have with transunion and there non compliance of investigations they have claimed to have done. I have been going back and fourth with this agency for months now. timeline is as follows and I also have included all paperwork to support this complaint. 

XX/XX/XXXX I put in a request asking for transunion to ensure accuracy on a account with XXXX XXXX XXXX  partial account number XXXX because fcra states as a consumer I have the right to ensure everything on my credit report is accurate, up to date, complete and consistent. I just wanted for them to ensure maximum accuracy. 

XX/XX/XXXX transunion responded by verifying this account and updated it. 

XX/XX/XXXX I requested information on how they verified this account and who they spoke with so that way I may follow up. I have yet to receive any info. 

XX/XX/XXXX transunion sent me back results claiming to have updated this account and a change was made based on my dispute. Not Specified. 

XX/XX/XXXX I responded back to their agency asking what did they update seeing absolutely nothing was updated. not a single field was changed. I went on how they are being unfair to me as a consumer by sending me false results pro longing my dispute process by sending me stall tactics as these results. 

XX/XX/XXXX I received more results from their agency claiming to have updated and a change was made based on my dispute. Not Specified. again absolutely nothing was updated. everything is reporting the same word for word. I noticed the Date Updated field reports as XX/XX/XXXX. why is this date before the date transunion issued me my results? this tells me they are taking my disputes for a joke when all I asked was who did they contact and talk to in order to properly verify this account and at this point I am calling them out on their violations of being unfair by ignoring my request. this account is causing me much stress because it is preventing me from trying to apply for new credit lines. I have asked them to verify this account for me and yes they did but when asked for further information regarding all my results they simply can not provide such information instead they send me the same report results over and over again. I continue to research my rights under consumer laws and it led me to file a complaint in hopes you can help me with this issue regarding transunion. transunion is in non compliance by conducting illegal practices under fcra law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Account Name in question on report : XXXX/XXXX This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This account should only report a charge off for the month of XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 5 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Paramount Capital Group, Inc.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: OR

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
My son is in the XXXX stationed in XXXX. This morning I tried to buy him a plan ticket to come home for XXXX. 

Tried 3 times and kept getting a time out due to payment issues. Originally tryin to purchase a flight for {$1100.00}. 

Contacted Apple Card and asked if they were declining payment for some reason and they stated they were not. Which I believed because I was not getting a message stating they were. 

Found a flight for {$950.00} and tried again and same issue. 

On hold with company for hours and they told me Apple was declining payment. I told them Apple was not declining payment. 

Tried a different company and the charge was declined but this time I got an authorization stating was declined and I was able to approve purchase but had to rebuy. Second time it went through. 

Tried to purchase insurance due to COVID issues and my card declined that purchase so many times that I was no longer able to purchase insurance. 

Because my card was declining purchases it cost me an additinal {$200.00} dollars for the flight and I am not insured ( meaning I can't get {$1100.00} if something happens and he can't come home ). The insurance was only about {$98.00} dollars that was declined so many times that my ability to buy expired. 

I tried contacting Apple Card twice about this issue and was ignore both times after message of please wait while we look into this issue. 

My credit limit is {$30000.00} with available credit of almost {$30000.00} this morning before I finally got a charge to go through. I also use this card exclusively. 

I am real upset for the following reasons : 1. I called and was told my card was not being declined when it was.

2. I was on hold/phone for over 5 hours before it was verified that my card was declining the charge.

3. Ticket cost me an additional {$200.00} due to Apple Card declining charge.

4. Unable to purchase insurance due to Apple Card declining XXXX dollar charge even though I authorized it multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: EdFinancial Services
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: IL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-XXXX FXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TX

Complaint narrative:
The account showing on my report with all 3 credit co., is XXXX XXXX XXXX acting as a debt collector, the last payment was XX/XX/2014 that makes it over 7 years old, called all 3 companies and they have refused to remove the item, this is my right to have anything more than 7 years old to be deleted from the 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 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
WE HAVE BEEN ON THE DO NOT CALL LIST SINCE XX/XX/2003. PLEASE ALL THE SPAM CALLS STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently submitted disputes to the credit bureau Equifax I frequently do this whenever I see that incorrect information is being reported on my credit report however after submitting a dispute today XX/XX/2021 I noticed that the dispute no longer needed to be active the correct balance Was in fact listed on my credit report so there was no need for a dispute any longer I contacted Equifax and was told that there was nothing they could do I have made repeated attempts to contact XXXX  without being able to actually speak with someone and theres no option to email customer service so high in accurately reported dispute information how is it not possible to get that fixed I want disputes on there that are correct but I dont want something thats incorrect Bing on my credit report Equifax has made it absolutely impossible to Cance to get a hold of someone I am shocked that Im not only asking that the dispute be removed Im just asking that it be resolved or closed if its no longer needed then why can it not be closed. Im beyond XXXX XXXX  at this, they want to make sure everything is is accurate but I cant resolve something thats inaccurate on my own report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In my experience, the rewards on cards do not begin until I receive the card and activate it. I received my new XXXX XXXX XXXX card in the mail the other day XX/XX/XXXX, and I haven't even activated yet, and they are saying my miles bonus rewards program begins on XX/XX/XXXX through XX/XX/XXXX. 

In this case, I've already lost out on a week-and-a-half of miles accrual ( since I didn't have a card in my possession that I could actually use ). I need them to start it the day I activate the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Self Financial Inc.
State: SC

Complaint narrative:
Greetings I XXXX XXXX am contacting you regarding my self lender credit card account. I am coming in good faith good conscience and good reason in order to settle this matter as peacefully as possible I recently reviewed my consumer report and realized that there were some inaccuracies in your reporting it appears that your company is reporting a late payment on my account from XX/XX/2021. This negative reporting is violating my rights as a consumer violating my right to privacy and has been damaging to my reputation. Under title 15 Usc 1692 this is false and deceptive means of collecting a debt as well as unfair debt collection practices. I enjoy your services and by the grace of god I am requesting that this account reporting be updated to paid as agreed and the late payment be removed so that my god given right will no longer be violated so that I may continue on my journey of self determination and the pursuit of happiness. please provide me with an updated report stating that these adjustments have been made to the reporting on my account. Noncompliance and negligence will not be tolerated, violation of my consumer rights will not be tolerated please provide me with the proper information on. how to contact your legal department for all future occurrences that may occur The Account number is XXXX my phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
Auto loan with Banco Popular Auto payments are set up automatically this institution repeatedly under reports payments made which are debited on different days of the month last reported payment as reflected on XXXX Credit bureau was for XX/XX/2021 a dispute was opened case number XXXX the bank reported a balance of {$27000.00} on XX/XX/2021 they now updated the amount to reflect an incorrect balance of {$25000.00} a difference of {$2100.00} as of XX/XX/2021 there still exists an under reporting payments of {$640.00} are debited each month XXXX, XXXX, XXXX, XXXX, and XXXX are a total of 5 months missing these months total {$3200.00} not {$2100.00} - {$1000.00} dollars are still under reported this is the second case & complaint filed with this bank they are untrustworthy and a problem to deal with if this isnt corrected the Automatic Payments will be STOPPED! Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX ATTn : Consumer Relations XX/XX/XXXX To Whom it may concern, On XX/XX/XXXX, I wrote to Experian requesting a investigation into items that I believed to be inaccurate inquiries. To date, I have not received a reply from them or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. On XX/XX/XXXX, I wrote them a 609 letter and still have no received notification of the investigation. 
This is THIRD request, I will be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to them and they have not complied with my request. I regret that I am being forced to take such action. 

Below XXXX XXXX/ XXXX XXXX - Unauthorized Inquiry Ally Financial - Unauthorized Inquiry x 4 XXXX XXXX XXXX - Unauthorized Inquiry XXXX/XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX - Unauthorized Inquiry I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely, 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