vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-27 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: MI

Complaint narrative:
In the past I had a secured credit card with XXXX Bank. The card was eventually lost or stolen and charges were made on my behalf. The account was closed and reported as a charge off. Because the account was secured with {$250.00}, the balance of {$300.00} was reduced to {$58.00}. Although not responsible, I paid this balance in full. I contacted the creditor and asked for the account be updated correctly or removed completely as terms of our payment agreement to which they agreed. Months have gone by and they still report the account incorrectly per our agreement because it is still harming my credit. They continue to update this as a charge off. I would like the account to be removed completely from all my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: MI

Complaint narrative:
In the past I had a secured credit card with XXXX Bank. The card was eventually lost or stolen and charges were made on my behalf. The account was closed and reported as a charge off. Because the account was secured with {$250.00}, the balance of {$300.00} was reduced to {$58.00}. Although not responsible, I paid this balance in full. I contacted the creditor and asked for the account be updated correctly or removed completely as terms of our payment agreement to which they agreed. Months have gone by and they still report the account incorrectly per our agreement because it is still harming my credit. They continue to update this as a charge off. I would like the account to be removed completely from all my credit reports.

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 2021-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
I have a collection on my credit report from XXXX funding stating I owe {$600.00}. I sent a debt validation request to them, to which they never responded. I reported this lack of response to all credit bureaus to no avail. Upon contacting this company by phone, they say I dont have a debt with them. I get mail from XXXX XXXX saying that I owe them {$600.00}. This same debt. Upon contacting the company by phone, they say they can settle the debt for less than 50 %. When I asked to pay for 20 % they said the debt is with another party. I reached out to this third party and its a company called Stenger and Stenger, a law firm who says that I owe them {$600.00}. I have never received ANY contact from either XXXX  or Stenger and Stenger. Ever. I have never done business with them not have done any business with XXXX XXXX. I just see XXXX on my credit report and keep getting the run around from these companies. I asked them to delete the debt from my acct as I dont know its origin and they wont offer me a reasonable settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have a collection on my credit report from LVNV funding stating I owe {$600.00}. I sent a debt validation request to them, to which they never responded. I reported this lack of response to all credit bureaus to no avail. Upon contacting this company by phone, they say I dont have a debt with them. I get mail from Resurgent Capital saying that I owe them {$600.00}. This same debt. Upon contacting the company by phone, they say they can settle the debt for less than 50 %. When I asked to pay for 20 % they said the debt is with another party. I reached out to this third party and its a company called XXXX and XXXX, a law firm who says that I owe them {$600.00}. I have never received ANY contact from either LVNV or XXXX and XXXX. Ever. I have never done business with them not have done any business with Resurgent Capital. I just see LVNV on my credit report and keep getting the run around from these companies. I asked them to delete the debt from my acct as I dont know its origin and they wont offer me a reasonable settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Back in XXXX I opened the card as a promo to receive a certain % off for your first purchase. The amount i was to receive credit for was {$69.00} for a pair of shoes. Unfortunately, that order was unable to fulfilled. Now, i've lost out on the promo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account.

Under 15 US Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports, no consent is identity theft.

Under 15 US Code 1681i ( 7 ) Method of verification this is in violation it was reported without valid evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX u.s. military veteran with disability.i had account with XXXX called " Crypto.com " about a month ago I bought around {$120.00} worth of coins And it has grown to {$220.00}. On the night of XX/XX/XXXX XXXX pm when I checked my Account all the money was gone and it says " adjustments and debited '' I am not Familiar on this products and not knowledgeable about this at all, I did not authorize this action at all, I do not know where my funds went and what happened. 
I am XXXX  with XXXX XXXX and currently living in fixed income poverty level, I was trying to talk with these people but after few exchanges they don't respond no more. 
I hope you help me and punish these people for what they done. 
Also what I really worry about is they know All my personal information including social security number. Thank you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
A hard inquiry was made by CBNA on my XXXX credit report on XX/XX/21. I had made no requests for credit. I called Citibank credit application desk and they could find no such activity. My last name was incorrectly spelt on the report and the phone number was also incorrect. I have written to both XXXX and to Citibank and await their response hoping that this is thoroughly investigated and the inquiry removed from my report 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 non-monetary relief
Consumer complaint received 2021-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A hard inquiry was made by XXXX on my TransUnion credit report on XX/XX/21. I had made no requests for credit. I called XXXX XXXX XXXX XXXX and they could find no such activity. My last name was incorrectly spelt on the report and the phone number was also incorrect. I have written to both TransUnion and to XXXX and await their response hoping that this is thoroughly investigated and the inquiry removed from my report immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was forcibly charge on my card I had replaced and the amount was doubled. I contacted the sources a refund was issued. And not it is showing on the statement 4 times as adjusted but never returned as credit. It becomes confusing and I do not want to be take advantage of assuming the professionals are going to handle this occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under 15 U.S. Code 1681 ( b ) Permissible purposes of consumer reports I never gave your company any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S. Code 1681 ( a ) ( 2 ) ( b ) Exclusions from a consumer report. This account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used for tranaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
At the end of XXXXbeginning of XXXX I called Bank of America and asked about changing our XXXX XXXX travel rewards card to just a general rewards card. The customer service lady said it could be done, but that I would not qualify for any new customer rewards bonus plans. After I asked, she also said I could still use my XXXX points I had accumulated on the XXXX XXXX card. So I ordered/transferred to the new card. Two-three weeks later the new card, with a new number arrived and I activated it on XX/XX/XXXX I believe. Upon checking my online statement I discovered my old card had completely disappeared as did all the XXXX XXXX points and that they had been " converted to a new rewards program ''. I called Bank of America and that gentleman told me that they had converted my points to rewards cash and would be crediting my rewards account with {$1200.00} ( or {$1200.00}, I can't remember exactly now even though I've repeated it so often with them ). And if it had not been credited to XXXX, to call back. He even sent me an email on how to redeem rewards. It had not been credited and I called back I believe on XXXX. That is when XXXX and XXXX XXXX told me I had been " misinformed '' by both of the the previous 2 customer service reps. I am really entitled to nothing. And furthermore claim that notes had not been made or were not clear. XXXX proceeded to take my claim ( although it took a number of attempts for him to get it correct and I don't know if he ever did ). He also lied and claimed it would be 24-48 hours to honor my request to talk with a supervisor. It has never taken that long, and it didn't this night either. In the end, they both said they would have to submit a claim to the rewards division for their review, with could take a month. They also insisted we make a claim for {$1600.00} instead of the {$1200.00} because that was the real value of the points and I stood a better chance instead of using a random number like {$1200.00}. I said all I wanted was the {$1200.00} because that is what I agreed to, but whatever. Today, XX/XX/21 I called and was informed a letter was sent that basically all is denied. So everyone at Bank of America has lied to me and defrauded me of XXXX XXXX XXXX points or the rough cash equivalent of {$1200.00}. I am only wanting the {$1200.00} because that is what I accepted/agreed to initially. If I knew I was going to loose everything, I would have simply applied for and gotten a different card from a different bank. These people stole what I have earned and have lied about it since. This is not an honorable or acceptable way of doing business in this country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
American Express is advertising offers for members to be reimbursed for a variety of services. However, to actually get the reimbursement, you have to contact them multiple times, they will try to deny it, or will deny it based on " term and conditions '' that are not anywhere on the website. I've spent over {$150.00} that the card won't reimburse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The agent from Chase purposedly providing falsified information, misleading the customer and engaging in unethical business behavior. Per our phone conversation on XX/XX/2021, the agent informed me the interest rate and XXXX are the same or 2.0 %. This is very rare and I double checked with him. He confirmed more than once over the phone that the XXXX is 2.0 %. The Closing Disclosure shows the XXXX is 2.192 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I bought XXXX coin on XX/XX/XXXX for {$21000.00} and they gave me certain amount of shares of this coin when I tried to sell on XX/XX/XXXX they canceled my transaction and locked my account so I couldnt control my account and lost most of my money when I contacted them they said there was an error happened so they stopped trading on this coin till they fix it but after XXXX  days they logged to my account and changed the amount of XXXX and the price in the transaction history and got most of them and said this is the right amount I should have so how come this happen when we agreed to buy we should see how many shares we will get and I have the receipt for that and email with the cancellation for the transaction and a screenshot of my buying transaction before they change it if we said there was an error happened so they shouldnt accept me to buy this coin from the beginning and cancel my buying transaction not to lock my account and force me to lose them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer 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 non-monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer 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 non-monetary relief
Consumer complaint received 2021-11-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date, over 45 days later, I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has it is past their 30 days investigation time so these items should be deleted properly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: CT

Complaint narrative:
I have ALWAYS had insurance, I go to the ER, had my insurance card and I get a call maybe a month later from a collections company about the ER bill, I explain I was / am fully insured and they did an " investigation '' that we all know is a lie because they are paid by their client not me... never heard anything back and it ended up on my report. 

Disputed it XXXX times and since all MY info matches it " valid '' in reality this has stopped me from getting credit and on my latest vehicle raised my interest. 

This only happened because their " client '' was too lazy to run my insurance and decided to bill me and when I challenged it they didn't care.. this is PURE 100 % fraud Worth noting that XXXX saw my evidence ( which I will upload here ) and removed it from my report, rightfully so

Company response to consumer: Closed with explanation