vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: FL

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 fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: FL

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 fil ing 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 2022-12-28 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX my phone was stolen. With my phone it is unlocked for my toddler. My notes in my XXXX contained all passwords. The thieves managed to reverse 40 payments made in the last few months and send them to XXXX XXXX and XXXX XXXX. I never made the initial claims. I called Bank of America after returning from my vacation to notify them. I was told 9 days and Ill be okay. Every time I call I get disconnected between transfers. The employees have different information every time. This is the bank Ive used for 3 years no issues. This is my main account. I was instructed to freeze my account and when my direct deposit is done processing call back and as long as I created a new account the money would be able to be transferred to the new account. I listened and when check cleared I called back. Then I was instructed I was provided misinformation and that I can not have my funds released. I asked well if my account was frozen why was it not returned to sender. They said I can make payments but cant send money. So they lied and took 2 weeks of pay in addition to the original money lost. After creating a new account I worked and waited 2 more weeks for this check on XXXX XXXX I had this account for 2 weeks. Nothing should be associated with my hacked account due to investigation. I provided all information including all false claim numbers and police report. On XXXX XXXX I had lunch and made a purchase of around {$100.00} at the mall for XXXX shopping since Ive been without pay for a month. Within 30 minutes of leaving mall heading to XXXX my account was closed. The bank told me they could do that at any time. The lady from Risk Management told me she would open my debit card for 15 seconds Ive never heard of that. I left XXXX after shopping and waiting in line for 30 minutes because my card was declined after just receiving direct deposit. I get to the atm to pull out the money. She then says she gave me the wrong information. I was told Tuesday I could pick my money up from the bank by risk management. I called Tuesday before heading to the bank and confirmed I could get my money. The bank calls risk management they said I could not get my money back until earliest XX/XX/XXXX. I left the bank called risk management and they told me my funds are available for pickup

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 2022-12-28 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION
State: VA

Complaint narrative:
UMB Bank recently took over my XXXX XXXX Account that had been set up by a previous employer over a decade ago. The account has been serviced by several different financial institutions over the years with no problems and I have only ever accessed funds for a medical procedure also over a decade ago. The XXXX was transferred to UMB by my previous employer ( I was not involved in selecting the bank ) and within a few months they sent me a notification that they were putting my account into inactive status due to a lack of transactions and the only way to change it back was to conduct a transaction. Having no desire and no need to access these funds, I am now being punished for being in relative good health and wanting to save all my funds for potential future health issues. 

I understand this is not technically a " fee '' being charged by UMB, but conducting a transaction entails either, putting money into the account, which I do not want to do, OR paying for something with the debit card, which is likely the preferred method by UMB who then gets the swipe fees for the transaction. In my opinion, this is a species of " junk fee '' that this institution is charging its customers. When I contacted UMB and requested they not move my account into " Inactive Status '' as I was " actively '' calling them to tell them I was a current customer and didn't wish to have my status changed, they simply told me it was in their terms and conditions and I had to engage in some transaction. In theory, this will continue to be an issue every 18 months I do not have a medical expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Numerous repeated calls every day. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX Ally Financial. Pre-recorded message each time, Very quick talking and not understandable at all. I believe I can understand they are looking for someone with same last name, who we don't know. 

Attempted to contact Number and asking for account number, which we don't have because we don't have an 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 explanation
Consumer complaint received 2022-12-28 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I am a platinum card holder with Macys. I generally buy products when they are on sales. On XX/XX/XXXX, there were such sales. I purchased some clothing items as well as earrings and necklace. The items were delivered on XXXX separate deliveries. 

On XX/XX/XXXX, I returned home around XXXX or so to find an opened box of macys package at my door, inside the box were XXXX empty cases and a receipt. I immediately called macys but they were closed so I went ahead and placed another order to be delivered. I called macys on XX/XX/XXXX to report my finding and also to let them know that I had since placed another order. 

Macys assured me that I was going to receive a credit. I waited for about a week, I didn't see any credit in my macys account. I called macys credit as well as XXXX. I was told to file a police report, which I did and was assigned a detective to the case. I also reached out to the XXXX delivery guy for my neighborhood, XXXX XXXX. He in turn called his supervisor, XXXX. 

Upon XXXX investigation, I was told that the package was delivered to a wrong address. They promised to go to the location and get back out to me. I asked them if they knew how the empty package ended up at my door, they said no. 

Few days later XXXX informed me that they went to the location where the package was delivered few times and no response that I should reach out to macys to sort it out with XXXX. 

I relayed all these to macys. Macys told me to contact XXXX to file a claim. XXXX stated that it's between macys and XXXX. To my surprise, I received their third denial yesterday XX/XX/XXXX insist that I pay {$1900.00} for the missing items. 

I have proven to macys that these items were never delivered to my house. Instead, an empty package was left at my door. 
Macys lied and claimed that the package was left in my mailbox even though XXXX stated that it was delivered to a wrong address.

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 2022-12-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank card hasn't been used since XXXX of XXXX. On XX/XX/XXXX XXXX charges were made totaling {$330.00}. I received a XXXX XXXX Card Account Activity from XXXX XXXXXXXX XXXX on XX/XX/XXXX and shortly after a bill in the mail from Comenity Bank. I have called at least 6 times in the past XXXX days ( today is XX/XX/XXXX ) with no help at all. Comenity online service options does not have an option to report fraud or to dispute charges. Being on hold for over half an hour then to have the call dropped/disconnected several time is frustrating and brings to mind a scam company with XXXX XXXX  customer care '' representatives who do nothing but read from a script to verify account information and transfer the call to some XXXX  XXXX department XXXX XXXX to answer calls. Comenity Bank is reporting incorrect information to credit bureaus about me I demand that these fraudulent charges removed from my credit history and close completely close the account with Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Credit went from. Good to poor, due to identity theft, in last 8 months. All federal XXXX XXXX, loan, and ssdi 'missing ', and it seems like XXXX XXXX  would prefer I XXXX  rather than help me- just judging from their continual XXXX of my supposed character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Credit went from. Good to poor, due to identity theft, in last 8 months. All federal Pell grant, loan, and ssdi 'missing ', and it seems like XXXX XXXX would prefer I XXXX  rather than help me- just judging from their continual XXXX of my supposed character.

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 2022-12-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Account name : ComenityCB/ULTA Account XXXX : XXXX My account information was stolen and used to make online purchases. I reached out to comenity bank to inform hem of what happened and they assured me they would take care of it. I provided the store name and number which the fraudulent activity occurred and even presented the police report information. This account was paid in full and is now showing a balance of {$90.00} along with an XXXX status. A new card was to be issued and this one was to be closed and balance returned to XXXX. I gave proof and contact information to back up my claims. They are inaccurately reporting this account as XXXX and with a balance A new card has been issued which reflects a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: MD

Complaint narrative:
I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I used vanilla gift card in gas station in XXXX and machine declined the transaction after XXXX minutes the transaction was done and I did by phone dispute and asked to stop the transaction vanilla told me was done I back to gas station to know the transaction was done told me no and back again to vanilla and did another dispute and vanilla told me the time was done with dispute and refused money back XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 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: MD

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
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 Bank Of AmericaXXXX {$500.00} ( Account # XXXX XXXX XXXXXXXX XXXX XX/XX/21 {$2000.00} ( Account # XXXX XXXX XXXX  XX/XX/21 {$2000.00} ( Account # ending in # XXXX XXXXXXXX XXXX 15 U.S.C . 1681 sec 602a 15 U.S.C. 1681 sec604a Section2 15 U.S.C. 1681c ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 1 )

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/2022 I was informed by email that my account with Apple Card/ Goldman Sachs was closed. No further explanation was provided. The letter stated that I can request documentation as to the specific reason my account was closed to reach out to Apple/Goldman Sachs which I did. I received a letter dated XX/XX/2022 stating my account was closed for " Regulatory Reasons. '' I want an explanation as to what " regulatory reason '' was used to close my account. 

I used my account no more than XXXX times and for simple purchases such as hair cuts and at XXXX. 

No action by myself should have resulted in my account being closed. I want an explanation for their reasoning. Their actions have had a negative impact on my financial and credit aspects of my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 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: MD

Complaint narrative:
I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I check my credit report with Experian almost daily. my score was XXXX and for no reason it dropped XXXX points. When i asked why this is the answer i got " We are not licensed credit advisors. That is not what we do. '' I also check my transunion report and it went up XXXX points to XXXX at the same time the other dropped XXXX points. They refuse to give me a reasone and nothing has changed on my report or my credit. I feel they need to put it back where it was or at least give me a valid reason as to why this happened.

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 2022-12-28 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: NC

Complaint narrative:
About 2 years i decided to monitor my credit report because I was interested in becoming a mortgage loan originator and I knew they will check my finances ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX upon checking my credit report I immediately saw inaccurate information, names, accounts that I have never seen a ridiculous amount of inquiries soft and hard mostly for cars, loans, credit cards and mortgages when I never initiated any of it. I downloaded the XXXX  app and it proceeded to tell my information was sold on the XXXX XXXX. I contacted all three credit bureaus via phone to alert them and freeze my reports but the dings to my credit didnt stop at all. I disputed each one on the app and I sent letters to prove it wasnt me and they still left the information there. This is hurting my livelihood overall and preventing me and my children the life I work hard for everyday and I would like all of the inquires and accounts of my credit report stemming from 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