vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted info to each credit Bureau asking them to validate Bankruptcies thats on my credit report. They did not Validate information requested to be validated.. On XX/XX/XXXX resubmitted same info to be validated in regards to Bankruptcies reporting on my credit report. I contaced my lawyer. He provided a letter stating that my ex wife is making taking care of Chapter XXXX and that the court neither the Bankruptcy courts reports anything to credit Bureaus. I contacted the court on XX/XX/XXXX and was advised that they do not report to Credit Bureaus. I am requesting all Bankruptcies being report to each Bureau XXXX Experian and XXXX  to be deleted immediately. I did not give a third party consent to release any Bankruptcies information to any bureaus.

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 2021-05-20 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:
I have been trying to dispute and remove late payments on 2 accounts that are not accurate since XX/XX/2021. Since none of the bureaus responded to me within the 30-45 days they're allotted, I sent a 2nd dispute to them on XX/XX/2021. I'm still waiting, well over the 45 days ; today is XX/XX/2021. This is not okay for a company to completely ignore a consumer the way the bureaus have ignored me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been trying to dispute and remove late payments on 2 accounts that are not accurate since XX/XX/2021. Since none of the bureaus responded to me within the 30-45 days they're allotted, I sent a 2nd dispute to them on XX/XX/2021. I'm still waiting, well over the 45 days ; today is XX/XX/2021. This is not okay for a company to completely ignore a consumer the way the bureaus have ignored me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CT

Complaint narrative:
I made numerous attempts today, XX/XX/XXXX, to dispute a transaction from XXXX on XX/XX/XXXX or XX/XX/XXXX in the amount of {$1200.00}. I made a total of three calls to Discover, spoke with three different reps in disputes dept.. As explained to initial rep, I attempted to resolve matter directly with XXXX XXXX called the number listed on transaction numerous times within the past few days, was told they do not refund and only issue store credit .... The XXXX rep ( s ) were explained I did not make transaction, did not understand it is fraud. I left a message for a manager, no one called me back. I called Discover back a second time today, explained to another rep transaction is fraud, she attempted to refer me to a third party number in which case I told her that would not work, I needed to dispute charge with Discover. I then requested a manager, was put on hold for several minutes, no picked up.. I called back a third time, spoke with a XXXX in disputes, attempted again to dispute charge, he was explained above and I was put on hold while he attempted to file dispute ... He mentioned a call made to Discover on XX/XX/XXXX inquiring about funds availability for the charge and or a fraud alert in re, that call appears to be for a different amount .... I was at the time looking at an item for a different amount on XXXX, a boutique in XXXX XXXX, CA had a small mini bag available, a gift for my gf, I chose not to purchase, went with a XXXX bag instead. The amount of XXXX bag is around XXXX with tax. The call with XXXX cut off while on hold, he called back, put me on hold again.. I had another call come in which I needed to take, had to drop his call while on hold. Due to confusion on end of Discover reps in disputes, I was not able to file dispute and with call cutting out and later dropping, do not know if anything was filed. I wish to dispute charge as fraud, nothing received from XXXX in re, appears to be result of a possible data breach within XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: PA

Complaint narrative:
AFNI and one of many collection agencies who try to collect a XXXX Account for XXXX during the last year. When filing a complaint the companies that were reported ceased collection 's Many complaints about XXXX  have been filed with this bureau. I have asked several companies trying to collect this debt and when I tried to get them to verify this debt in writing, they just sent a copy of the XXXX bill ... I my opinion, this was not a validation of debt. See complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to TransUnion since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit 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 2021-05-20 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: U.S. BANCORP
State: LA

Complaint narrative:
My name is XXXX XXXX I currently have a US Bank Relia card that I use to collect my unemployment and I havent been able To access my funds for over 2 months now. I have {$1000.00} on my card that I cant use. I asked them can they issue me a new card because my card was made inactive they said they couldnt so I asked them why and they just keep saying they cant. Ive called them multiple times an Im being constantly told its nothing they can do and I need to contact My state agency and I did they said they have nothing to do with the card its US Relia Bank Card. I can check the balance on my card but I cant use the card because it is inactive. Louisiana XXXX wanted to know why were they still loading funds on an inactive card and why they couldnt issue me a new card. Im so irritated with the situation and you guys are my last result.

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 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I had an account with XXXX XXXX. Due to fraud it was closed and sent to collections. 
Portfolio Recovery is the third collections company it was sent to. I had payment arrangements with them so it wouldn't be reported to the credit agencies but it was! 
My bank returned a few payments due to insufficient funds. I had identity theft this past year and due to the Covid Pandemic I have being going through some financial hardships. I need this taken off of my reports. It lowered my scores 30 points on all three reports!!! Technically I do not owe this debt because I had fraud through XXXX. And I thought companies were not allowed to report collections because of the Pandemic according to the CaresAct. Read below! 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic.

The Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act.

The FAQs address the credit reporting requirements of the CARES Act, including considerations for furnishers when reporting consumers as current as required by the CARES Act. The FAQs also clarify that reporting that a consumer is affected by a natural or declared disaster is not a substitute for complying with the CARES Act credit reporting requirements. In addition, the FAQs address the Bureaus guidance that provides temporary and targeted flexibility in the event CRAs or the furnisher experience challenges as a result of the pandemic in investigating consumer disputes. All CRAs and furnishers remain responsible for conducting reasonable investigations of consumer disputes in a timely fashion. The Bureaus statement makes clear that the Bureau expects CRAs and furnishers to make good faith efforts to investigate disputes as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony failed to mail my vehicle title XXXX XXXX title # XXXX for almost a year. Now my vehicle title is listed by XXXX XXXX XXXX " electronic with a lien '' and unable to obtain. Loan was paid in XX/XX/XXXX. Additionally XXXX rep on the phone was unprofessional, combatant and disrespectful. He failed to address my 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 non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Conn's, Inc.
State: LA

Complaint narrative:
I have tried to fix this with the company. 
I purchased this TV in XXXX of XXXX call them in XX/XX/XXXX and ask for a payoff and I pay the TV off. One year and a few months later when i had my Credit report was pulled as I was trying to purchase a house and Conns appeared saying that I was 3 months late I call them they told me what they did with the money that I paid them in XXXX they paid each month note until the money had run out and then they never contacted me and put my name in collections stating that I still owed them money Anyway after all the trying to repair this I pay them another {$900.00} to get this repaired so i could get my credit repair and they said it would take 30 to 60 days to remove it and here itbis a year and im still trying to get them to removed. Can I get help so i can go forward with buying my new house. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit score with Equifax has dropped 120 points in a week. I have called several times asking what caused the drop as the only recent activity is the deletion of 2 collection accounts and the pay off of a car loan with XXXX XXXX XXXX. 

Their response is that I would receive an email yesterday that didn't arrive and refusal to disclose what caused the drop. They did say their system shows a higher credit score than their portal of which I pay for access. They clearly have an issue, admit there is a discrepancy with scores between their internal system and what they provide me and refuse to offer any assistance explaining the rapid and sharp decline in my credit score. 

Please, please help. I am attempting to salvage my business with an SBA loan that is vulnerable given the lowered credit score. 

A graphic representation from Equifax of my credit score has been attached. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I attempted to open account with the Robinhood trading application. After providing all the necessary information including my copies of my drivers license and my bank account information, I waited for my application to be approved. On Monday XX/XX/XXXX my application was rejected because they said I had a duplicate account. I then went back and forth with them on the XXXX, providing more information on my identity and then again providing additional copies of my drivers license and last 4 of my social security number. At this point they told me that I already have an account under an email address that is not mine. This means that someone else has already signed up for the service using my social security number and information ( Im assuming they validated my drivers license with this other account as well ).

At this point Robinhood completely stopped responding to me. I have replied several times to the original support ticket as well as opened 2 other support tickets, but they will not respond. My assumption is that someone else is using their application with my identity and that the company is now blocking me. I am unsure what my rights are or how this can be addressed? Do I need to hire an attorney? What if my money is taken from me by Robinhood ( who now has all my information and is not addressing my case of identity theft )? Please help me contact Robinhood so that they can address my concerns and stop the identity theft that had taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NJ

Complaint narrative:
Reporting accounts that are not mine

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 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I contacted chime bank on XX/XX/XXXX livid because they closed my account after 2-3 years or longer banking with them receiving the same direct deposits. They claimed there was non compliance with Direct Deposits. 1st violation they closed my account with ZERO WARNING NO EMAIL NO CALL NO LETTER. After going back and forth they LIED and claimed to have mailed my checks for my spending account and credit builder account. On XX/XX/XXXX one of hundreds of employees because they outsource to XXXX claimed a check was mailed on XX/XX/XXXX. I requested a tracking number they can not give me one. Makes no sense checks were mailed but they have no tracking. One rep tells me a check was mailed another tells me if they have no tracking then they did not process the check so which is it? It is now XX/XX/XXXX and no check. I contacted XXXX and they have no packages in their system for my address. So chime has blatantly LIED about sending my funds. I have over 50 Emails going back and forth and have spoken to the same rep twice. They are providing false information to cover up whatever shady practices they are in involved in. I have my last bank statement so I am aware of exactly how much I am owed. I want my checks sent overnight with tracking to avoid this becoming a legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
- SYNCB - has an hard inquiry still on my credit, from XX/XX/2019 which I never had an account with this company. 
- XXXX XXXX - has two hard inquiries on my credit, from XX/XX/XXXX, & XX/XX/2019 and I've never had an account with this company.

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 2021-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of last year, {$1000.00} had been withdrawn from my prepaid Bank of America XXXX card. I did not give anybody my card or pin number nor did I authorize anybody to use my card ever as one Bank of America phone representative insinuated. After I had discovered the missing funds and reported what happened to Bank of America, I received a letter from them all of three days later stating that my account seems to have been involved in some fraud and the case was closed. I called BofA again and asked why nobody had investigated and how could they just ignore my claim like that. The representative told me to write an appeal letter reiterating that I did not authorize the transaction in anyway nor give out my pin number and to please conduct a proper investigation. I did as instructed and faxed the letter over to the number she gave me on XX/XX/2020. By XX/XX/XXXX, Bank of America 's response was to freeze my entire account which had {$2300.00} in it and left me with no money at all. I made numerous phone calls only to be insulted by employees or to be told that I was just one of hundreds of thousands of people which did not help. I wrote them a letter again on XX/XX/XXXX, and again on XX/XX/XXXX. Finally, the {$2300.00} was released on XX/XX/XXXX and that was the end of it. I was right back where I started when I first called to complain about the missing money. They apparently still have not bothered to investigate, they won't cover the loss as even their own website states and they will not do anything to help me with this. They didn't even send me any kind of courtesy notice either when they froze my account. I am yet again requesting that Bank of America replace this {$1000.00} stolen from my account as they are supposed to assist when a customer has been a victim of fraud not make the situation even worse for them. I will never use their card again, because it obviously is not safe and offers no protection for consumers. I am tired of trying to deal with them and would just like the money stolen from my account to be returned. They clearly have no intentions of taking any actions on my behalf.

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 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that this is my account they keep posting in my report are verified and true. I have been continuously denied of getting loans because of this. This should have been resolved months ago but they don't seem to care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my business partner wire transferred {$18000.00} from XXXX XXXX  XXXX to my Bank of America busienss checking account. But up to XX/XX/XXXX, I still did not receive the money. The sender checked with XXXX XXXX  and the feedback is they are sure that BOA has received the fund, the receiver has to check with BOA. I called BOA wire transfer department today, but the lady said BOA never receive it and ask me to contact with XXXXXXXX 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