vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2021, I was hacked with instructions to buy XXXX gift cards in order to release my bank account. I bought the XXXX gift cards and scanned them into the computer as instructed, to find out that it was a scam. 
The XXXX gift cards were purchased using my Discover credit card ending in # XXXX. 
When I contacted Discover to reverse the charge, Discover responded that " it has been determined that no fraud occurred... You will be responsible for the entire balance on the account ... '' As such, I paid the balance, despite the dispute, so that interest would not continue to run. 

I filed a Victims ' Report with the XXXX XXXX Police Department, Fraud Unit, Case # XXXX. 
Attached is the letter from Discover and the Victim 's Report. 
The amounts involve two charges, one for {$10000.00} and another for {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: PA

Complaint narrative:
this is some XXXX I AM TRIED OF COMPLAINING AND THE ISSUSE STILL STANDS. 
The US DEPT OF EDXXXX is claiming the accounts are mine and validated yet they are wrong. I have no knowledge of said account, they claim the date the account was open to be different on all three reports. THEY ARE WRONG AND NEED TO DELETE THE ACCOUNT FROM MY REPORT. CLEARLY I AM XXXX BECAUSE NO MATTER HOW MANY TIMES I CALL OR WRITE THE ISSUE STILL STANDS.also no on asked for any fraud alerts to be added so remove those and my old address is report off one number so remove the address. XXXX was not the address it was 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 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I filed a complaint with cfpb # XXXX. The company responded on XX/XX/XXXX. The company 's response was that our claim was not filed properly, and they returned our documentation on XX/XX/XXXX. They also stated they have concluded the investigation however they have provided a XXXX reference number if I had further questions. I emailed the Executive Resolutions Dept of XX/XX/XXXX disputing their claims and have not had a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
For the last two months when I pay Synchrony Bank which administers Care Credit, I have paid on the last day the bill is due. On this day when I pay online I am confronted with the fact that Synchrony which is located in Florida does not seem to understand that due to time zone differentials they are insisting that my payments are a day late when in fact it is still the due date where I am located and when I am paying ( from California ). 
They charge me ( {$29.00} ) late fees even though I have NOT been late as far as being within the period shown on the bill, but they are not honoring that and charging late fees as though I were living in their time zone. I have asked them TWICE to waive these fees and gotten no reply. I feel discriminated against for not living in their time zone. Please help me fix this and get back my illegally collected late fees.

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 2022-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying my private student loans since XXXX but I thought enrolling in a lower interest program was helping me but what was happening was the capitalized interest was simply being added to balance. I have tried consolidating these loans but because they are private they do not qualify. And other lenders are not will to give me a {$60000.00} loan for these. Basically even with my payments all these years my balances have not gone down very much and most of them say estimated payoff dates of year XXXX and XXXX. I have also applied for discharge for schools that are no longer accredited ( XXXX and XXXX ), which many of these loans are from, and of course they never qualify. I feel like I am being robbed and will never pay these off. I wish I had never gotten these loans and the truth is I don't even think any of the classes were credited towards my degree. I have reached out to the servicer and all they do is tell me my payment history and federal student aid refers me back to the servicer. I never thought these loans would be this terrible and never ending. Aside from that the interest has risen up to 8 % and even 10 %. 

I am providing a loan detail sheet from the servicer from XX/XX/XXXX and then one from XX/XX/XXXX and you will see how little the balance has gone down. It also has the whole payment history for your review. 

I am also including the discharge applications and denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
When I contact Experian, it ask s for my date of birth and SSN. It then says it does not recognize my information. Yet my date of birth has not changed, and my SSN hav e not changed. You can not reach a person because they need your date of birth and SSN, which in my case they don't recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1666b - Timing of payments XXXX XXXX you are in violation! It is evident you have violated this entire section.

You have failed to comply with this section 15 U.S. Code 1666b and I am demanding you to correct all your errors, you have broke the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is illegally reporting a fraudulent account on my credit file. I made outreach to XXXX XXXX  and explained to them the the account was not mine and that I filed a police report. They explained to me that a XXXX credit card was opened in my name in 2015 which is not true as I have never applied nor used credit at XXXX. So, not only is there a fraudulent account reporting, the information is also inaccurate and outdated which is legally grounds for this account to be permanently deleted. Additionally, the furnisher sent me a copy of a bill that does not verify the account belongs to me. I reached out to Experian to explain my concern as I am in the purchasing process for buying my family a home and I have not heard back from them. I do plan to take legal action if this inaccurate data is not removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2022-03-15 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: IL

Complaint narrative:
I have been trying for three months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the XXXX describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to TransUnion, XXXX, and XXXX advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: IL

Complaint narrative:
I have been trying for XXXX months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the XXXX describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to XXXX, XXXX, and Equifax advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: PA

Complaint narrative:
this is some XXXX I AM TRIED OF COMPLAINING AND THE ISSUSE STILL STANDS. 
The US DEPT OF EDXXXX is claiming the accounts are mine and validated yet they are wrong. I have no knowledge of said account, they claim the date the account was open to be different on all three reports. THEY ARE WRONG AND NEED TO DELETE THE ACCOUNT FROM MY REPORT. CLEARLY I AM XXXX BECAUSE NO MATTER HOW MANY TIMES I CALL OR WRITE THE ISSUE STILL STANDS.also no on asked for any fraud alerts to be added so remove those and my old address is report off one number so remove the address. XXXX was not the address it was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
BANK OF AMERICA XXXX account was reported in my Credit report and I am not aware of the status of getting into charge-off. I have reached out to the agency and the credit bureaus about this issue but I am still waiting for their response longer than I have expected. On top of that, no modes of communication were done to notify me about the issue. The worst thing is that the accounts ' information was incorrect. Please look into the account and verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: PNC Bank N.A.
State: TX

Complaint narrative:
I have put fraud alert on XX/XX/XXXX after I notice there are several inquiries and one personal loan from PNC Bank was showing under my credit profile. I have called PNC on XX/XX/XXXX and XX/XX/XXXX. PNC bank representative said they will investigate and will inform me regarding this issue. But they have never responded. After this I have sent PNC bank several letters via certified mail ( which I do have proof ) to correct this information that is being reported to all three major CRAs but still they never responded. 

I have also contacted all three CRA 's regarding this issue but still no resolution. I really need your help to resolve this issue and to remove delegatory information from credit profile. I have also reported to FTC ( Report # XXXX ) regarding this matter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX in which there is a Onemain secured loan on my XXXX credit report that I did not apply for and my identity was compromised. An ex-spouse had stolen my identity to apply for this Onemain loan in which I didn't find out about this until a few years later when it hit my credit report as a collection. I didn't know that you were able to dispute debt and paid off this charge off in one big bulk payment in panic and uncertainty. This loan was opened in XX/XX/2016 and if you go through my records there have been no payments from any financial institution in my name and this is not my account neither does it belong to me. This was fraudulently opened in my name and I would like Onemain financial to remove this debt/loan that I never took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
I used my Bank of America XXXX XXXX card to book travel for 3 people through the Bank of America XXXX XXXX. Travel dates were in XX/XX/XXXX and travel could not be completed due to Pandemic. 

I was told by the Bank of America XXXX XXXX that I could use the credit toward a future flight with the same airline. I was also told later that I could have the amount fully refunded per the XXXX 's policy. 

However, since the pandemic Bank of America has kept their XXXX XXXX completely understaffed and every call to try to use the credit winds up in 3-5 hour wait. There is no option to use the credit online. 

After many calls, I was able to use a small amount of the credit on one out of 3 tickets to book travel back in XXXX and I was told i could use the remainder of that credit at a later date and that the two other tickets could still be used in full or refunded. This is shown in Bank of America XXXX XXXX XXXX notes as verified by multiple agents yet they have failed to honor it. 

I have tried on multiple occasions to use or refund the credits. However, after holding for 3+ hours each time to get an agent and then being put on hold by that agent for another 3+ hours no one has resolved this matter. No one has even given me a straight answer. I've waited on hold for over 20 hours in total with their travel center, the last time I waited for so long that it was past midnight and the agent who was " helping me '' never came back to the phone. 

I have been told multiple times after holding for 3+ hours that a supervisor is needed and they will call me back and then they don't. And the loop starts over. 

Every follow up is another 3-5 hours of waiting for someone who can not resolve this issue. It appears to be intentful from Bank of America XXXX XXXX card to make it near impossible for consumers to get a refund or use their travel credit.

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 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I attempted to send money via Venmo and my account was frozen. I reached out to customer service and they refuse to tell me why. At this point I want to deactivate my account but they wont allow me and are holding {$32.00} of my money and wont allow me to withdraw it. All attempts to resolve the issue have been met with zero information just claiming someone will reach out in the next 4-5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.

Company response to consumer: Closed with non-monetary relief