vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 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: TX

Complaint narrative:
On XX/XX/XXXX, I sent XXXX a certified letter ( view attached ) requesting verification of Inquiries on my account. Inquires that Im not aware of. I asked for further investigation to be done because, if you look at my XXXX. Its not all the same across. I wrote to XXXX, I called XXXX XX/XX/2021. I spoke to numerous representative that stated nothing can be done. XX/XX/2021 I wrote to XXXX again, I have not gotten a response in regards to this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent dated XX/XX/2021. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and the inaccuracies about my accounts are continuously reported on my Equifax Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed an unrecognized XXXX  credit card in my Experian account. I also noticed that my personal information are all incorrect, which includes birthyear, phone number, and address. I already contacted XXXX and the information on their end is correct. 

I disputed with Experian, but they said the information is accurate and did not remove the credit card. I tried calling, but the customer rep ended my call mid-way. I feel completely helpless, and my credit score is also messed up- it was around XXXX and now with the mixed up it is only about XXXX. 

This is also a serious privacy and information leak issue, because I got all the information from the other person.

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent dated XX/XX/2021. However, any modes of response or coordination were not taken on their end. Transunion Credit Bureau has failed to comply with the Fair Credit Reporting Act, XXXX USC Sections 1681i within the time allowed by law, and the inaccuracies about my accounts are continuously reported on my Transunion Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}

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 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: PA

Complaint narrative:
Good afternoon, On XXXX, I applied online for XXXX XXXX XXXX account. After applying, I tried to access the " return to application '' link to create ID and password. However, it kept erroring out after inputting XXXX  digit code received to verify my application. I have called multiple times to get status of the online access and account opening confirmation. The account application was successful according to the multiple representatives I have spoken to. Its been over a month not and yet I have not been able to access my account. Each time I was given reason of " engineering team is looking into my issue. '' One time, I was even asked to send screenshot of the error to their email address, but nobody has replied to that. 

I opened this account under promotion of {$500.00} when you do {$2500.00} in XXXX deposit. However, I still can not access my account. This is unacceptable as I have limited time to complete an account promotion for which I applied before XXXX XXXX updated the terms of promotion. I feel like I will run out of the time before I could complete the promotion due to XXXX XXXX 's inability to fix the technical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 XXXX deposited {$1500.00} in my account which was my unemployment money. On XX/XX/21 {$1400.00} was stolen from my account through approximately XXXX charges of XXXX cents ( possibly some charges were more ) from " XXXX XXXX ''. I contacted Bank of America XXXX and " XXXX '' opened XXXX ( XXXX ) claims. I was later told the employee was in error in opening so many claims. I have made numerous calls regarding this matter to the XXXX Department. On one occasion I spent more than 90 minutes on the phone with a Supervisor who refused to put me in contact with the group researching and working on this situation. To this date Bank of America has credited back only {$940.00} and still owes me {$550.00}. After more calls seeking return of my funds, on XX/XX/21 there appeared numerous XXXX cent " XXXX XXXX '' XXXX leaving me with a negative balance of $ XXXX showing in this account. I contacted Bank of America XXXX again on XX/XX/21 and " XXXX '' filed a complaint on my behalf. Now I have received a letter from Bank of America dated XX/XX/21 referring to only one of the claim numbers for {$190.00} stating " No posting error has occurred on your account. '' and " ... we're unable to credit your account and we now consider this dispute closed. ''

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my inquiry has not been given any attention by Equifax Credit Bureau. Sending them a Complaint dated XX/XX/XXXX and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of the following Inquiry that needs to remove Completed from my Credit Report. 
XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There are some negative items in my credit report and dont belong to me CAPITAL ONE Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I ordered an item from XXXX XXXX online store on XX/XX/2021, when I placed the order it appeared the item should delivery on XX/XX/XXXX. On XX/XX/XXXX, I got an email about shipping information from XXXX XXXX. At the same day I was charged the item 's amount {$43.00} to my chase credit card. And then this amount was changed to " the last statement '', I could not did dispute by myself through Chase online bank. From that time to now, XX/XX/XXXX, I did not receive the item, the delivery dates were changed 3 times by XXXX XXXX, and I used the tracking no to check the shipping status, the item never shipped out! I tried to contact XXXX XXXX for cancel this order, but XXXX XXXX refused my request. Then I had to contact Chase to dispute this amount through Chase online bank 's secure message about XX/XX/XXXX, in this message I told them what happened and attached the screenshot of XXXX tracking information ( XXXX did not pick up the item ), they reply to me that I need wait one week for update. After one week, yesterday, I sent secure message to ask for this case 's update, today they reply me that they asked for me to call the disputed department 's phone no.! I got a bad experience from Chase credit card customer service! If they need I to call the dispute No., why they could not tell me when I contacted them first time. why they told me to wait for one week?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied for a credit card and made a purchase at XXXX  in XXXX, NC in XXXX or XXXX of XXXXThe card nor bill never came to my address. Around XXXX of 2020 I received an email stating I was being sent to collections. The bill was paid immediately. I applied for a XXXX XXXX XXXX  card in XXXX of XXXXwith XXXX XXXX XXXX XXXX and was informed my credit score was XXXX and would probably remain so for 7 years. My score had been XXXX for years. I got no help from XXXX or Synchrony Bank in person, phone or letter. Please assist me. I should not be punished because the card and bill were sent to the wrong address. My email : XXXX. My mailing is XXXX XXXX XXXX XXXX, NC 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 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
As a XXXX person, I use XXXX XXXX as my phone number as it does not make sense for me to pay extra for a cell phone that includes voice ( a service I would not use ). Some financial providers both require a phone number that is linked to a cell provider ( e.g., XXXX, XXXX, XXXX. ) and will not accept a XXXX XXXX number. Recently, Paypal decided to stop accepting XXXX XXXX as a valid number and will no longer let me make purchases. They are requiring that I use a " valid '' phone number ( e.g., XXXX linked to XXXX, XXXX, XXXX. ). This discriminates against XXXX people who use a XXXX XXXX number as they do not have a need for a regular cell phone subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. The inquiries are constantly reporting on my Credit Report.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
called now several people starting with American Express credit card ... its an XXXX XXXX XXXX XXXX for {$25.00} and not being recognized... issued for points earned from. XXXX American Express credit card purchases... Last people talked to where connected with a " XXXX '' supposedly administering the card for XXXX American Express

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
i first contacted Lobel financial corp about the fraudulent account on my credit report. it was removed from XXXX but still remains on XXXX, and XXXX. I have been a victim and been fighting identity theft since 2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This account is currently pending on my credit as " derogatory '' even though I paid the full amount of settlement. I was promissed that it would be closed on my account as " settled. '' The " derogatory '' status has greatly decreased my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
There is a collection account on my reports with Midland Credit and they are reporting illegal information on my reports. I was under the impression that it is illegal for a collection agency to report payment history and inaccurate information. They are reporting payment history as well as a missed payment for the month of XXXX of this year which is inaccurate. I have contacted them about this matter and they have not responded to my letters trying to rectify this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The following message was sent to executives at Capital One on XXXX XXXX. It was forwarded to their Customer Advocacy group who responded on XXXX XXXX by refusing to address the Complaint of deceptive marketing and the proper crediting of earned reward points. 

Here is the message that was sent : We are filing a formal complaint regarding Capital One Venture card ending in XXXX ( also XXXX secondary ). 

This card had a stated promotion offer to spend {$4000.00} within 3 months and earn 50,000 reward points, and spend {$20000.00} within 12 months and earn an addition 50,000 points. We have been improperly denied our rightfully earned points for the second 50,000 points. We have numerous other banking and credit card accounts with Capital One. 

Application for this card was made online in early XX/XX/XXXX, approved, and an email message sent saying the card was being mailed. We did not receive the card. But did eventually see an account opening on our Capital One home web summary accounts page. In fact we received our first statement showing account opened XX/XX/XXXX, first billing cycle through XX/XX/XXXX, {$0.00} balance ( we had not yet received the card! ). We contacted customer service and another card was mailed. It was delivered XX/XX/XXXX, activated on the XXXX, and an initial purchase was made XX/XX/XXXX. Our first opportunity to use this card was in XX/XX/XXXX. 

In XX/XX/XXXX, we reached the {$4000.00} milestone and 50,000 points were promptly posted to our rewards balance. In XXXX we reached over {$22000.00} spend but the award points were not posted. We have called reward points customer service, many times now, only to be told the points would not be granted because the {$20000.00} spend was reached on XX/XX/XXXX and that this was the deadline of XXXX XXXX 12 months from account creation. Even though we did not have access to the account or card until XX/XX/XXXX. 

This action to deny the earned points shows deception, and perhaps fraud in the marketing of this card. 

We have spent hours on the phone with XXXX on XXXX XXXX ( ID # XXXX, XXXX ), XXXX on XXXX XXXX ( ID # XXXX ), and XXXX on XXXX XXXX ( ID # XXXX, XXXX, FL ). She repeatedly told us this decision to deny the award was final, and there were no further avenues available to pursue this complaint. She repeatedly said the decision is final and will not be changed. Every customer service representative acknowledged that the bank 's records show the card was not delivered until XX/XX/XXXX. We asked to speak with her manager. She provided his name, XXXX ( ID # XXXX ), but would not connect us to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went through XXXX to rent a car from XXXX XXXX XXXX  XXXX in XX/XX/2019. XXXX charged my Citibank XXXX in full and in advance ( {$760.00} ) for the rental car. 
However, when I went to the XXXX XXXX XXXX XXXX in XXXX to pick the car up, XXXX told me they didn't have any rental cars available. To be clear : XXXX charged me in full for a rental car from XXXX, but XXXX did not have any rental cars and could not ( and did not ) deliver one to me. 
Because this was obviously a breach of the XXXX agreement, and also potentially fraud, I disputed the charge with Citibank. I have provided extensive evidence to Citibank ( and to XXXX ) that XXXX did not have any rental cars- including emails from XXXX confirming that no rental car was delivered to me, and confirming that XXXX approved a full refund to me on account of the absence of any cars. ( I am attaching just some of the documentary proof of the foregoing ; I have more, including a recorded phone call with XXXX confirming that they had no rental cars. ) Despite this overwhelming evidence that XXXX charged me in full for a service that they did not and could not deliver, Citibank refuses to issue the refund. ( XXXX also won't respond because I disputed the issue with Citibank. ) XXXX has effectively defrauded me out of {$760.00} and Citibank is helping them do it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiry has not been given any attention by Transunion Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Transunion XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of the following Inquiry that needs to remove Completed from my Credit Report. 
XXXX Date of inquiry XX/XX/2020

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 2021-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
i have contacted all 3 credit bureaus as well as the collection agency to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " ARCADIA '' ... ... all 6 times that ive challenged it has come back verified as accurate ... how is this possible? I've always had insurance and i do not recall this debt at all ... ..looking at this account it has been re aged to mess me up and thats a violation ... ... ..i have attached a copy of the report with both accounts

Company response to consumer: Closed with explanation