vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-04 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: WI

Complaint narrative:
Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of XXXX/ XXXX  breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help me.

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 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of Experian/ XXXX breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a XXXX yr old victim of identity theft. I have on file an ftc complaint and notarized id theft affidavit.Fraudulent accounts have been deleted from my credit file but the inquiries still remain. I have not applied for any credit in 10 yrs

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 2019-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX on XX/XX/2019 and XX/XX/2019 accessed my Transunion credit report without my consent. This is an unauthorized inquiry and it affects my credit report negatively. Wish to have these two inquiries removed immediately.

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 2019-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Multiple phone calls a day. I understand a few but I had 2 voicemails left on the same day. Plus I received a call right before the first voicemail at XXXX. VM at XXXX And received 6 calls that day. Days prior my wife receive multiple phone calls from them as well. Chase financial!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see citibank {$770.00} reported from Citibank since 2017 1. ) I never had a credit card account with citibank 2 ) I don't owe citibank {$770.00} 3 ) THis is not my debt. I need this to be removed from my credit report as soon as possible. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Since XX/XX/2019, we have been locked out of the online payment process for Bank of America credit card. 

Upon them calling us for a missed payment, we explained that they rejected the original payment and have locked us out of the payment center for the account. 

This was explained at XX/XX/XXXX or XXXX, 2019 and again at XXXX payment cycle. 

They call my husband 7x a day and they call me 5x a day. This feels excessive considering the payment portal is still locked on their end preventing us to make a payment. 

As we both work during the day, we can not answer during work hours, so we are forced to continue this process for days on end as their office is closed when we are not working. 

For 4 payment cycles this issue persists and is harassing us for an error on their end.

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 2019-08-04 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: TIDEWATER FINANCE COMPANY, INC.
State: NC

Complaint narrative:
I recently obtained a copy of my credit report from & LT ; name of the credit bureau XXXX  ;. It indicated that there were some credit inquiry made by several companies. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Please forward any documentation that you may have in regards to the removal of this credit inquiry. 





XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX   Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: Regional Management Corporation
State: NC

Complaint narrative:
I recently obtained a copy of my credit report from & LT ; name of the credit bureau XXXX ;. It indicated that there were some credit inquiry made by several companies. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Please forward any documentation that you may have in regards to the removal of this credit inquiry. 





XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX ; XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX & XXXX ; XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX ; XXXX XXXX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, I XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear CFPB, I have two linked accounts with Bank of America. One is checking and one is credit card. On my credit card, I had a negative balance of - {$2900.00}. On XX/XX/2019 I transferred this negative balance to my checking account. 
However, BOA charged me {$140.00} for this transaction, as if I was taking cash on the credit card. 
I am requesting for your help.

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 2019-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
All I needed was a replacement money order. My money was messed up, couldn't read. It's a rent payment. There are 2 money orders. {$500.00} and the other for {$50.00}. I would appreciate your help very very much.i had waited 31 days for refund. They said they never received my copy 's? Then, I e-mailed them copy 's. I will attach my copy 's now. Thank you very much XXXX XXXX XXXX XXXX XXXX XXXX, Ct I'm a senior so I hope I can attach properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
for the last few times I've been on " Experian '' to help my self get my credit score up the dates " XX/XX/XXXX and XX/XX/XXXX including XX/XX/XXXX '' from the start they constantly sent me notices for the credit score boost which it required me to link my personal bank account after filling out personal info, it said I couldn't boost my score at the time. The second time I log on ( XX/XX/XXXX ) to go through it again, I was matched and eligible to get a credit card, which I need to help raise my score. After sending me to a 3rd party site to give them my personal info, I didn't get approved .... and effected my score ... XXXX so the third time I go on Experian, I get approved and matched with a 3rd party lender site for a personal loan. since it said it would " help my score '' I applied for the personal loan through " XXXX XXXX XXXX '', again giving my personal info out. To get denied and hit with a hard inquiry again ... ..

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 2019-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: UT

Complaint narrative:
I received an offer in the mail to open a Key Bank checking account and make ONE single deposit of {$500.00} or more. I used the offer code XXXX and reservation numbner XXXX. They also provided a special link, which was : XXXX. I used this link instead of their regular website. 



I opened the Key Bank checking account on on XX/XX/19. We made a deposit of {$500.00} on XX/XX/19. We have also made more {$500.00} direct deposits. The terms were : You must open a Key Express Checking Account ( this is the basic banking account in NY ) Key Advantage Checking Account, Key Privilege, or Key Privilege Checking Account by the expiration date and make ONE single KeyBank deposit of {$500.00} or more within 60 days after account opening to get {$400.00}. The value of your gift will be reported on Form 1099 and deposited into your account within 90 days of meeting the requirement. 

We follow all the terms, but we did not receive our {$400.00}. We had to jump through hoops after the account was opened, such as : going to the bank with to prove our identity with IDs, we are not on the OFAC list see treasury.gov ( we waited at the bank over 1.5 to just shave them review our id ), we got a letter in the mail that said if we don't sign this signature card in 15 business days we will close your account. 

In addition, after all of this I waited for the money to be deposited in the account. This never happened. I sent an email to Key Bank, and I was advised to call the call center, because they said I did not put the offer code and reservation number in. I disputed this through email, and I was advised again to call the call center, I spoke to a rep there and they said I do not know why they told you to call us. 

There was nothing she could do. I asked to speak to a supervisor, and explained the situation. I advised I did put the code and reservation number in. She asked me for the codes, and she confirmed they were legit. She confirmed I followed the terms, but there was a disagreement on whether I put the codes in, I asked her if there could be a situation where systems don't work properly, and it is possible when I put the codes in the system the system did not take them. She said yes, yet she advised, I could not get the offer. I asked has anyone got the offer after the fact? She said she could not confirm or deny. I asked why not? She said the is specific information about someones account. I disagreed at this was more general. 

I asked is there any one else I could speak to help me get the offer. The supervisor said, no and something to effect this is high as this is going to go. 

I do not know if other customers have experience this, but this should be looked into. I opened this account as a trail run to see if I would bring my business over, but I am really disappointed in Key Bank. I would really like them to credit my account with the {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a Dispute with Transunion on XX/XX/XXXX for a medical debit that I do not owe due to having full insurance coverage effective since XX/XX/XXXX. Transunion communicated that the investigation would be completed within 30 days. Today is XX/XX/XXXX and the status of the dispute still says that Transunion is STILL investigating the dispute.

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 2019-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
I have know knowledge of this debt. i have tried to reach out to the debt collector with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: LEXISNEXIS
State: GA

Complaint narrative:
After a dispute was filed, I received a letter from LexisNexis dated XX/XX/2019, revealed said information was verified. 
On XX/XX/2019, I submitted a certified letter to LexisNexis requesting the Method of Verification used to determine the validity of the information reported in my credit file. To this date, LexisNexis has failed to respond to this request ; therefore, placing them in violation of the FCRA ( copies mailed to CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Continuous fraudulent interest charges of {$2.00} a month on my synchrony bank care credit account, on going for about a year. I called the bank in late XXXX to early XXXX to report this and they credited me for the fraudulent interest payments and said it would stop. They have continued to charge me fraudulent interest monthly for {$2.00} and I am reporting it to them again today XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Credit Corporation
State: NJ

Complaint narrative:
I was denied on XXXX XXXX Avant to get a home equity loan. They send me a letter saying due to they couldnt verify my employment. I submitted two years tax returns and had extensive conversations that I dont have a w2 job. My income drives from annuity and investments. They failed to review my docs and discriminated to give me a denial. I want this looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is my 3rd complaint regarding this Capital One Account and it is starting to affect my credit. I filed a complaint over this account ending in XXXX over 30 days. Received 1 phone call from the Corporate office from a Supervisor named XXXX on XX/XX/2019 who's number is XXXX and extension is XXXX. On that day XXXX left me a message to return her call to the number above. I returned her call at least 6 times and left 6 different messages regarding this issue. I also called another Supervisor from XXXX named XXXX who's number is XXXX and extension is XXXX because she had helped me with another account ending in XXXX ( and took care of that one for me ). After not having ANY luck receiving any phone calls back I called the number XXXX on XX/XX/XXXX, XXXX & XXXX and simply waited for a new rep to come on the line. At that time I was told that he could not help me and that he would send a message to a supervisor to call me within 72 hrs. It is not XX/XX/XXXX and I still have not heard back from anyone. The charges on the account are not my charges and I was reassured that they would be disputed by a supervisor however I continue to receive notifications on my credit report that my payments are late and the amounts are recording on my credit report. If I do not hear back from someone by XX/XX/XXXX I will be calling all news channels and filing a suit with my attorney. Capital One has been unprofessional and even threatening during this entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACS Education Services
State: IL

Complaint narrative:
Hello, I had to choose incorrect previous options because there was no option that fit my situation. I had a student loan through the University of XXXX, XXXX that is currently being serviced by Conduent Education. If you see the attached picture, their website is down as of today, XX/XX/XXXX. It has also been down frequently over the past month. I'm attempting to pay my loan which garners interest daily, however am unable to even get to their website. I do not have a contact number for their company or current paper statements, as I was urged by the company directly to go paperless for my statements. Since their website is down, I can't get into contact with the company at all, unless I use a third party, privately owned, social media platform, and hope they can fix my problem instantly. However, most people in America are not on XXXX. Or, I could alternatively gamble on a random number I find online, and hope that providing my private account information to a potentially fake company wouldn't happen. Every day I can not pay my current balance, I garner additional, daily interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$3300.00}. They are reporting that this account was opened in 2018 and is not true. I have disputed with all three credit bureaus to only be told the account is " verified ''. I have not received a signed contract nor any verification to support that this information is correct. The practice of re-aging an account is illegal and needs to be deleted from all three credit bureaus immediately. I have sent via certified mail a debt validation letter and have not received response.

Company response to consumer: Closed with explanation