vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I received an offer in the mail from Truist to receive a {XXXX} reward if I opened a checking account and had at least {XXXX} in direct deposits per statement period made. I opened the account on XX/XX/XXXX. There was a hiccup on the webpage that prevented me from adding initial funds, but I was able to get direct deposit set up and my employer made the first deposit on XX/XX/XXXX. They have continued to deposit over $ XXXX since. On XX/XX/XXXX I received an email saying in their final review, I did not meet all of the qualifications for the reward, therefore the reward would not be processed. The offers page indicated that my account was closed before the reward could be provided, even though my account is still open now. I spent over an hour on the phone with Truist to report the discrepancy on XXXX, and the support person said clearly the account wasn't closed, that they would escalate the problem and I would hear back within 5 days. Hearing nothing, I called back on XX/XX/XXXX and spent another 40 minutes on the phone with the support person, who again escalated the problem and said I would hear back within 5 days. As of XXXX, I have still heard nothing, the offers page still says I didn't get the reward because the account was closed, however the account is open and receiving direct deposits twice per month.

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 2022-04-04 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: MoneyLion Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I paid MoneyLion the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to MoneyLion. Page 6.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2022-04-04 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:
On XX/XX/2022 I paid XXXX the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to XXXX. Page 6.

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 2022-04-04 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:
On XX/XX/2022 I paid XXXX the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to XXXX. Page 6.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: GA

Complaint narrative:
On XX/XX/2022 I paid XXXX the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to XXXX. Page 6.

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a bill in the mail for a XXXX Credit Card. It has a balance of XXXX on it. 
The reference number for the charge is XXXX XXXX XXXX NY. It is dated XXXX I do not have a XXXX credit card. 
I never opened a XXXX  credit card. 
I have never used XXXX 
I do not have or have ever used the XXXX app. 

I tried to call the number on the bill XXXX. No one answers, even after being on hold for almost 2 hours. 

The address on the bill is XXXX/Syncb XXXX XXXX XXXX XXXX XXXX XXXX Please help me clear this up as I do not want this to negatively affect my credit. 
My name is XXXX XXXX and my phone number is 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
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have now sent 2 certified letters to Experian regarding my XXXX XXXX XXXX XXXX Account Number : XXXX. This account is showing on my credit report as being behind or late. When I first notified Experian about this account ; I asked them to do an investigation because I knew that this wasn't correct. As a consumer I have the right to have a credit report. Experian responded that the account was verified and all information was accurate. This is incorrect. I reached out to XXXX, who I do business with often, and got a payment history which I will be attaching to this complaint. The history shows that i made all of my payments on time! I was never late. However my Credit report says otherwise. Creditworthiness is important because it allows some employers, creditors, and living quarters see how we pay. This is why I don't want anything on my report that is inaccurate! I paid this account off XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
As shown in the attached image, the withdrawal was initiated on XXXX XX/XX/2022 and shown as completed. However the money has not reached my account till date XXXX XX/XX/2022. Coinbase mentions that withdrawal takes XXXX business days. Also in the confirmation email, it said money will reach the account by XXXX XX/XX/2022. However, the money has not reached the account yet. 
I have called Coinbase multiple times and each time I was given different explanations. Finally they reached out to me via email and mentioned that the transaction is under review, however no detailes were given as to what kind of review. I have provided all the details asked, however I am still in the dark as to when I will receive the funds and what is the reason for delay. Meanwhile I am in urgent need of funds and incurring financial losses. 

Regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-04 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One Main Financial of XXXX FL has not removed inquiry after I mailed a set verification on or around XX/XX/2020. This has deniede better financial & transportation resources for work. The injury is dated for XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I have a debt collection on my credit report from Midland Funding LLC I've been trying to have removed ever since i seen it. I've asked Midland Funding for details in regards to how they've come up with the number of {$270.00} they have never produced anything. I believe this collection account stems from a auto renewed XXXX membership that was tied to a XXXX i think its from back in 2016 that account was never supposed to have been auto renewed when it was i called XXXX and they said they reversed the charge and stopped it from auto renewing i literally never purchased on that card however i cant be sure that its that same account because Midland Funding has never produced a detailed list of what the debt actually is. Ive spoken with midland multiple time trying to dispute this but have gotten nowhere any help you can provide for me id be grateful for thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Morning, I was notified of several hard inquires that hit my credit that i did not initiate. There were XXXX hard inquiries at the end of XXXX and today I was notified again of XXXX more inquires! 
I did not make these inquires and there are now a total of XXXX and I do not believe it will stop here. I need assistance in stooping what is happening to my credit. There are multiple company 's and I have tried contacting them. 
Thank you for any assistance, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have a debt collection on my credit report from XXXX XXXX XXXX I've been trying to have removed ever since i seen it. I've asked XXXX XXXX for details in regards to how they've come up with the number of {$270.00} they have never produced anything. I believe this collection account stems from a auto renewed costco membership that was tied to a XXXX i think its from back in 2016 that account was never supposed to have been auto renewed when it was i called costco and they said they reversed the charge and stopped it from auto renewing i literally never purchased on that card however i cant be sure that its that same account because XXXX XXXX has never produced a detailed list of what the debt actually is. Ive spoken with XXXX multiple time trying to dispute this but have gotten nowhere any help you can provide for me id be grateful for 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
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I receive SSI benefits on the 1st of every month and my checks are automatically deposited into my checking account with Chase Bank. 

But I recently closed the checking account my checks are being sent to and never gave the Social Security Administration my new account number with Chase Bank so my check for the month of XXXX was sent to a closed account. 

Chase told me I didn't have to inform the Social Security Administration because my checks would be automatically transferred into my new account but that didn't happen.

I contacted Chase about this but instead of them just transferring my check into my new account they made me file a claim, which includes a stupid, lengthy and totally unnecessary investigation.

Even one business day is too long when someone need their check to pay their rent and buy groceries. Chase Bank claims process prevented me from doing both. 

Chase Bank policy and claims process is exactly what consumers need protection against. 

Please made them give me my money. I NEED IT NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is the closest thing. This bank uses Posting Date and Transaction Date synonymously. When pulling the transaction history, I can not tell what has already been paid, and what has not. When I tabulate each month 's expenses, the sum of the transactions viewed are always less that the " current account balance '' usually by a couple hundred bucks. This is due to them posting charges that are back dated into the previous month. 
I have had 2 phone calls and 3 online chats with them since opening the card in XX/XX/2020. Each time I offer to explain this to their technical team if they have any questions. I get told that someone will escalate. And that's where it ends. 
While I can not prove anything shady, the backdating practice does not allow me to feel confident in the bills they are telling me to pay. This is also the fist bank that I have seen backdate the posting date of the charge to the transaction date.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've sent multiple requests to have the bankruptcy information removed. 

I've asked them to verify it was mine and they sated they were able to verify, but I sent them a XXXX verification letter stating there is no bankruptcy in my report. 

Also sent a bankruptcy court letter stating they dont provide information to credit bureaus. 

So please have them remove from my records. Thanks.

Company response to consumer: Closed with explanation