vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — Store credit 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: CA

Complaint narrative:
In connection with a dispute with Bestbuy over a purchased product that was not delivered in box ( which case we just won in court ). I spoke with someone over the phone who claimed to be a Bestbuy customer service representative ; however, the individual was not a representative from Bestbuy.

The individual used our account information to make charges totaling {$400.00}, which we did not authorize. This is a case of digital identity theft. We have photos of the alerts to our phones regarding this fraudulent charge, a confirmation photo ( email ) from XXXX who helped us regain control to our XXXX XXXX XXXX and a copy of a filed police report. 

Citi Bank via a Bestbuy letterhead did not provide us with a detailed account of their internal investigation. We would like Citi Bank to reimburse the {$400.00} to us.

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 2024-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is a fraudulent reported account. I paid XXXX and the account says it was sold to another lender. It has been affecting my report negatively since 2020. I disputed this account and never received any information from creditor or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
in XX/XX/2023 my daughter and I opened a account at Citibank account # XXXX the deposit was a XXXX disbursement check of {$10000.00} from XXXX XXXX from my XXXX account. 

Citibank closed the account stating possible fraud. I made a CFPB complaint # XXXXbecaue I never got my money back and that complaint was closed because the bank said the check was returned ( not deposited/cashed ) HOWEVER XXXX XXXX my XXXX provider shows the check cashed and provided me with a copy of the cashed check. I need my money returned to me and I need them to include my email on all correspondence as it is my check and my account 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 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
We submitted a request in XXXX along with a payment to add a small amount of acreage to our mortgage. We were told that an analyst would be assigned to our case, but that did not occur until XX/XX/XXXX. We were also told that once an analyst was assigned, the request would be completed promptly. We are still unable to get a time frame for completing this request. The longer this takes, the more legal and administrative bills we are accruing.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Porania, LLC
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account Name : Bankruptcy XXXX  XXXX-Discharged Date/ XX/XX/XXXX Reference # XXXX Account Name : XXXX XXXX Reference XXXX XXXX Account Name : XXXX XX/XX/XXXX Reference XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Reference # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they arent even in compliance with XXXX XXXX credit reporting.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
A mortgage loan officer from Huntington Bank contacted me to give me options on being pre-approved for a mortgage loan when I began looking for a home to buy. He has given me several pre-qualification letters since XXXXXXXX XXXX XXXX stating that I was pre-qualified for a loan from between XXXX and {$120000.00}. Based on that information I have subsequently spent {$400.00} on three separate home inspections believing that I would be able to purchase a home the closing on the homes did not work for other reasons however he had me believing that I would be able to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Account with Department of EducationXXXX was transferred to MOHELA for PSLF eligibility XX/XX/2023. When contacting XXXX about their still " OPEN '' trade line with a balance of {$88000.00}, they stated that they transferred the trade line with instructions to MOHELA to update the trade line rather than adding a trade line and because of that they ( XXXX ) are not able to do anything with the trade line. Upon calling MOHELA and speaking to several representatives and being on hold for many hours, the issue is still not resolved. I submitted an inquiry to MOHELA around XX/XX/XXXX with information they requested from me including credit reports showing the trade line from XXXX. They have yet to resolve the issue or get back in contact with me. I have also disputed the credit line with XXXX numerous times with no success at getting the trade line balance updated or even to show as a closed status. They requested information from me showing that the XXXX accounts were in fact transferred, which I did submit. I also submitted to them a PDF document directly from my XXXX account showing that all my balances have a XXXX balance. At this point my credit is being incorrectly reported by the credit bureaus and I am unsure how to go about getting it corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account with Department of EducationXXXX was transferred to XXXX for PSLF eligibility XX/XX/year>. When contacting XXXX about their still " OPEN '' trade line with a balance of {$88000.00}, they stated that they transferred the trade line with instructions to XXXX to update the trade line rather than adding a trade line and because of that they ( XXXX ) are not able to do anything with the trade line. Upon calling XXXX and speaking to several representatives and being on hold for many hours, the issue is still not resolved. I submitted an inquiry to XXXX around XX/XX/XXXX with information they requested from me including credit reports showing the trade line from XXXX. They have yet to resolve the issue or get back in contact with me. I have also disputed the credit line with Experian numerous times with no success at getting the trade line balance updated or even to show as a closed status. They requested information from me showing that the XXXX accounts were in fact transferred, which I did submit. I also submitted to them a PDF document directly from my XXXX account showing that all my balances have a XXXX balance. At this point my credit is being incorrectly reported by the credit bureaus and I am unsure how to go about getting it corrected.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon reviewing again my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am writing to file a complaint against Capital One regarding the reporting of my business credit card, specifically the Capital One Spark Card, to my personal credit profile. 

I applied for the Capital One Spark Card for business purposes, and prior to applying, I thoroughly reviewed the terms and conditions as well as the frequently asked questions provided by Capital One. OnXXXX specific question that I paid close attention to spoke directly to why the application requires the business owner to include their personal information as follows : " Why do you need my personal information? '' it states : We need your personal information for two reasons. Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. As a result, your personal information is required and used for identification purposes. We use your personal information like social security number to pull your credit bureau data, which in turn is used with other information like annual income in processing your application. 

However, I have encountered an issue wherein the Capital One Spark Card, which is designated for business use, has begun reporting to my personal credit profile, and having a significant adverse impact on my personal credit profile and score. 

The language provided in the terms and conditions does not adequately address this issue. While it does mention authorization for the exchange of credit information between Capital One and its affiliates, it does not explicitly state that the business card will report to the personal credit profile of the cardholder. 

This is in stark contrast to the clear and conspicuous language found in the terms and conditions of my personal XXXX XXXX credit cards as an example. My personal credit cards explicitly state that by applying for the credit card account, " I agree to the reporting of information about the account to consumer reporting agencies ''. Such clarity is lacking in the terms and conditions of the Capital One Spark Card. 

This discrepancy has raised concerns for me as it affects my personal credit profile, which is separate from my business finances. I believe that Capital One 's failure to clearly communicate and disclose this aspect of the credit card agreement is misleading and deceptive. 

I hereby request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Capital One rectifies this issue. Additionally, I request that Capital One review and revise its terms and conditions to provide clear and transparent information regarding the reporting of business credit cards to personal credit profiles. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) report as I took an auto loan of XXXX but I never took a loan from this Bank. First I reached out TransUnion and latter reached out the bank on XXXX XXXX XXXXXX/XX/year> and asked the bank this might be identity theft and they said they will investigate. I have been waiting for a month and the bank never get back to me. I tried to call them multiple times and they deny to give me any information. Rather they report to TransUnion the information was accurate. I never took a loan from this bank and they never send me a letter or contacted me. All my loan are paid on time but due this bank report a loan that I didn't take my credit score goes from XXXX to XXXX. I would like to file complain on this bank because they report a loan that I didn't take and unwilling to help fix the problem. 

Thanks, 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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with XXXX XXXX XXXX ( CCS COLLECTIONS ) on [ XX/XX/XXXX ] showing a balance of {$160.00}. XXXX XXXX XXXX ( CCS COLLECTIONS ) failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates , LLC is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX XXXX XXXX. PORTFOLIO RECOVERY ASSOCIATES , LLC does not have my consent to have and share my private personal information. As well, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX, and date of XXXX delinquency as XXXX of XXXX. How do I owe PORTFOLIO RECOVERY ASSOCIATES , LLC, when I have never started or completed business with them in any form. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my new report on Equifax to be sure the XXXX XXXX had been removed as it was said to be deleted on XX/XX/2024 by Equifax. However, When I checked the report today, I see that the account was still on there. I called Equifax to ask about this and they told me it was a technical issue and they would take care of this. Then after a few minutes on the phone, they tell me that they would have to investigate all over again. I told them that is not fair to me and that I had already waited a long time for the deletion and they need to simply remove it as I have proof showing they already completed the investigation. They refused to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I could not find the phone number to reach this company. 

I did not give consent to anybody to use my Social Security number or any of my personal information to apply for any type of credit. This is fraudulent and Im filing this complaint so the company can be made aware as well as the inquiry on my credit report gets removed being that I did not authorize anybody to run my credit. Also, please provide any documentation that was used to obtain or apply for this account as well. I was made aware yesterday when I was notified by XXXX. Thank you

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