vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/, I applied on-line for a Quick Silver charge card with Capitol One after receiving mail offering no fees on purchases and balance transfers with a 3 % fee but no interest for a period of time ( not sure of the period of time because after this didn't work out the way I planned/thought it would, I cut up the card, threw it and the mail out and called the company to cancel - I fished half of the card out of the garbage but couldn't find the other half ). I followed my initial application - at the time of the application- with a phone call to ask about the balance transfer which is the only reason I made the application. I'm not sure if they told me at that time that my credit limit was {$1000.00} ( I didn't care about purchases and didn't know that the credit limit included balance transfers ). But during that initial phone call I specifically asked about balance transfers and am pretty sure that I told the representative that I was not interested in new purchases but had two large amounts I wanted to transfer. They told me that I would have to wait about 11 days to call and find out about balance transfers. If they did tell me then that my credit limit was {$1000.00}, I'm sure they never during that initial conversation told me that a {$1000.00} credit limit meant I could only transfer a balance of {$1000.00}. It was my understanding that " credit limit '' meant new purchases, new debt, new credit. It was a lengthy conversation and the representive had ample time to tell me that {$1000.00} credit limit included balance transfers. When I called back after the 11th day, there was another long conversation when I learned I could not transfer my two high interest card balances because of the {$1000.00} credit limit. I explained that perhaps I was only approved for {$1000.00} because of the other two cards, the balances of which would disappear after the transfer. During that conversation I cancelled that new account and cut up the new card. In the meantime, my credit took a hit, I am sure, so even if I find another company that would transfer my balances, I may not be approved because of the lower credit rating. ( A side note is that I had erroneously misreported my income by forgeting to include my income with a simultaneous second job- which I did convey to the representative during that 11-day follow-up phone call but which seemed to have no bearing. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Card had fraudulently closed an account that had been reported as previously fraudulent activity. Discover Card did not properly file a dispute regarding a {$1000.00} amount prior to fraudulently closing said account. I continued to be charged interest as well as fees upon bringing to Discover Cards attention of fraudulent activity occurring. Once I spoke to an account manager who understood consumer law, the remaining {$1100.00} amount owed onto this account was settled and paid in full to me. This account through Discover Card was subsequently reopened without my authorization, without access to any credit amounts as the consumer, yet I am now being told I owe {$1000.00} to this fraudulent account, along with fees and interest and negative reports towards CFRAs. I will file a complaint to the proper magistrate court against Discover Card if the {$1000.00} amount reflected against me is not paid out to me and immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Last year, I submitted a dispute to Lexis Nexus regarding the inaccurate Bankruptcy reporting to my consumer report.

I asked them to verify the furnisher who reported this information on me. 

They confirmed they received the information from PACER. 

I then reached out to XXXX to confirm how they received this information and how they verified it was accurate. 

I also reached out to the court listed to ask if they provided this information to XXXX or Lexis Nexus. 

The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. 

XXXX  is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. 

Since the court has confirmed that they did not provide this information to Lexis Nexus. They also confirmed they did not verify any information with Lexis Nexus.

When I reached out to dispute this information, Lexis Nexus completed their re-investigation and responded back saying this information has been verified.

Since the court ( the original data furnisher of this type of information ) did not furnish this information to Lexis Nexus nor verify this information.

I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I, nor any lender, is able to access my Equifax report. Equifax has placed a hard block on my file with instructions to call customer service to resolve. I followed those instructions more than XXXX  days ago and was told by their support team in XXXX that it would take XXXX  days to resolve via a ticket they submitted. That was more than XXXX  days ago. The folks in XXXX have only read only access and are just middle people who take notes for another team no person can communicate with. This is not a standard freeze or lock. When anyone pulls a report for me, all fields come back as XXXX, not sure what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime Dispute Number : XXXX XXXX ATM Case Number : Case XXXX On Wednesday XXXX, XXXX at XXXX I utilized the company XXXXXXXX ATM inside of my local XXXX located on XXXX XXXX XXXX XXXX XXXX . The machine didnt dispense any of {$140.00} nor gave me a receipt. I checked my chime account and I was still debited for the {$140.00}. I notified the XXXX employee and she just put a " out of order '' sign up on the machine and instructed me to call the the XXXX number on the back of the ATM. Well I did just that and was told I would have to file a dispute with my bank. Well on XXXX, I phoned my bank ( Chime ) and filed a dispute and the same day they denied it without even really investigating it. I then reached out on the XX/XX/XXXX to see why I was denied and they emailed me a letter of them saying why and decided to reopened the claim. Well now I was told I was eligible 100 % for the provisional credit since I have emailed and uploaded proof to XXXX. The date I was given was XXXX and the day has came and went. Now when I call chime and ask about why I havent receive it ; they just read to me " word to word '' about the rebuttal states that I should receive it on XX/XX/XXXX and their still investigating. Well their policy states ( which can be found on company website ) that if the investigating lasts more than 10 days they would issue this provisional credit ; in all honestly, its been more than 20 days and I still havent been issued a refund for my money I never received out of the ATM. Im just getting employees who are employed by chime to keep reading me rebuttals and a typical generic resolution call flow off a computer screen and not getting any real updates about my investigation. At this point, im willing to get a sheriff out to the store to retrieve footage because XXXX ATM merchant has not been out to the ATM to service it since I reported the fraudulent activity nor have been out to check to see if theirs extra money in the tray that I debited from their ATM. I need help and Im willing to bring in legal help in on this case if it isnt resolved before the New Year. Thank You for future reference for helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was notified through my email that I was signed up for online banking through bank of america. I do not have an account with Bank of America and called their Fraud line. The account was An Application for a checking account using my maiden name. The application was flagged for their review. And I placed a freeze through the check 's system.

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: VA

Complaint narrative:
Loancare 's website has been down, and phone calls have been unanswered. Without those available, I am not able to make my monthly payment on my mortgage. I have also received zero communication on why these services are down.

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 2023-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc.
State: FL

Complaint narrative:
Pls refer to case # XXXX A Tesla rep called and offered credits for the early termination of the lease. 
The rep Never stated ( calls were recorded by Tesla ) that these credits weee to be applied regardless of when the vehicle was returned In fact ( recorded on the calls as well ) he was pushing for an early return of the vehicle Never was it stated that these credits would offset by any early return of the vehicle.. 
In fact these credits with the companys action dilute the effectiveness of the credit given scamming consumers out of moneys

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX Citi made the mistake of doing a hard inquiry on my account when they were only suppose to do a soft inquiry. I'd like to dispute this inquiry since they told me on the phone it would not be a hard inquiry. I have called to report this. Unfortunately I don't know if the customer service agent fully understood everything. She did say she would file it but she gave me no case number or any information on what would happen next. Hopefully you can kindly resolve this issue for me. It's on all 3 reports I'd like them removed. Thank you kindly

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
17 months of on time never late payments to XXXX and refuse to give them back and you can clearly see these company is predatory and a fraudulent company experian. FIX MY 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my equifax credit report and I have never lived at this address this is not mine in no way form or shape I also have several unauthorized inquiries on my credit report that I did not give permission to to run or obtain information off of my consumer report I filed a complaint back in XX/XX/XXXX its been past 15 days I would like a removal of the unauthorized inquiries and address off my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mr. Cooper stated my property taxes went up. When they actually went down. Assessed and Taxed value on XX/XX/XXXX was {$260000.00}. Assessed and Taxed value on XX/XX/XXXX was {$240000.00}. And the phased in amount for XXXX is still lower than the {$260000.00} amount. 

They are staying there is a {$370.00} shortage per year ( 12 months ), which is {$31.00} per month. But they want to charge me an additional {$41.00} per month, which is {$490.00} per year ( 12 months ). My math tells me they are charging me 32 % interest on the {$31.00} to get to the {$41.00} amount per month. Makes ZERO sense as I have not had to pay any interest in the past to cover these yearly payments for my insurance plan and my property taxes. 

They continue to close out my message requests, causing me to have to create a new request. And their site does not allow you to copy and paste information from previous message threads I have created so I am forced to type everything in again. This has all been quite time consuming from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Destiny Credit card owned by XXXX XXXX  has taken XXXX $ from me on XX/XX/XXXX. They have not applied this balance to payments due and continue to charge me interest and late fees. As of today XX/XX/XXXX my account has a negative balance. They stole my XXXX $ they also report late payments to my credit report when the payment was never late. They just held onto it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I called several times XXXX, XXXX to Toyota XXXX XXXX to request the cancellation of extra fees on my loan : A service contract of XXXX dollars and a maintenance fee XXXX dollars and They told can I couldnt cancel them, I communicated again today XX/XX/XXXX to make a new request and they told me that both warranties were expired XX/XX/XXXX and I couldnt request refund, this opportunity I spoke with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute and bring to your attention several concerns regarding TransUnion 's handling of my credit information, which I believe violates the provisions of 15 U.S. Code 1681s2 ( a ) the duty of furnishers of information to provide accurate information under the Fair Credit Reporting Act ( FCRA ). 
Personal Tracking Information : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) US Postal Service Incorrect Name : XXXX XXXX XXXX Unauthorized Credit Inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Following Accounts : XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have repeatedly requested proof of the verification process for the updated information, especially concerning the unauthorized credit inquiries, and account accuracy, but TransUnion has failed to provide any documentation. This raises concerns about their compliance with the FCRA and their duty to furnish accurate information. 
In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into TransUnion 's practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate deletion of the unverified and inaccurate information from my credit report. 
I appreciate your attention to this matter and look forward to a prompt resolution. Please find attached copies of relevant documents supporting my dispute. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$110000.00} XX/XX/XXXXXXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} XX/XX/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