vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX Verve through Continental Finance ) placed an annual fee for XX/XX/XXXX through XX/XX/XXXX of {$99.00} plus a monthly maintenance fee of {$10.00}, or total fees of {$100.00}. These total fees in addition to the exorbitant 31.40 % interest on charges ( {$25.00} ) has put my account over the credit limit. See attached statement.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XX/XX/XXXX citizens claims i had XXXX transactions resulting in an overdraft of {$70.00} showing up on my account XX/XX/XXXX monday, i called and chatted with them throughout monday and was told if i covered the transactions the {$70.00} overdraft fees would be removed tuesday. tuesday comes and the fees are still on my account so i chat with them again and they say that it needs to be a little longer then theyll be removed, they havent, this is the second time this bank has stolen my money and i still havent even gotten my {$400.00} from the original special offering they had. they now claim that the disputes of the fraud need to be provisioned in order for the overdraft fees to be reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, received a letter from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX decreasing my credit limit on my credit cards stating that the received information from the credit bureaus ( Equifax, XXXX, XXXX ) that lead them to make this decision. I never authorized for this pull on my credit report, I requested to be opted out of sharing my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
My Apple credit card was charged in XXXX XXXX XXXX in the amount of {$550.00}. I did not recognize this purchase as my phone was lost at the time so someone may have used my Apple pay or easily accessed my card info. I made a dispute and after 3 months they decline the dispute with no evidence as to why they couldnt refund me. I opened another dispute in XXXX and they are requesting evidence from me, when they didnt even send any evidence. I have spoken with multiple agents and called and no one has helped me with this process. It has been very difficult. I have heard many similar stories with this card from other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XXXX XXXX XXXX  I opened up a checking account with Bank of America. Before opening the checking account, I also had XXXX credit cards with Bank of America all set up for XXXX from an external Bank account. I also moved over my assets to become a Bank of America preferred rewards member. 

After I got home, my autopay on my three credit cards no longer worked. I called Bank of America and was bounced around to several different departments. One rep claimed I needed to wait a month for my credit cards statements to post. So I waited a month. 

The problem was not resolved. 

I then went in branch in early XXXX XXXX XXXX. I talked to XXXX people in person who claimed to " reset my billing system ''. They told me to wait XXXX hours and I could set up autopayments again. 

I waited XXXX hours, and was still unable to set up autopay. I then called BofA XXXX last time on XX/XX/XXXXXXXX XXXX XXXX  to explain everything that had happened until this date. They then reset my billing again, I waited the required XXXX hours and were STILL unable to solve the problem. 

Today is XXXX XXXX XXXX I have tried everything I possibly could. Now I would like to get the CFPB involved.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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/XXXX I wrote to the XXXX credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Regarding these XXXX collections items added to my credit report illegally : XXXX. XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX {$2900.00} I requested that they provide me proof and validation that this debt is mine. They are required by law to supply information to validate that this debt exists between myself, and the agencies noted above. 
These collection items are in violation of the 15 USC 1681b, Permissible Purposes. 
They didn't validate this debt, so they are required to remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX XXXX XXXX my Bank Account was HACKED. {$16000.00} was removed and funds were transferred between accounts. The HACKERS Demanded I purchase {$2000.00} worth of XXXX gift cards to restore my funds. 
I had a XXXX to my head, I made the Purchase. 
Then they demanded {$5000.00} in additional gift cards. At this point I WALKED into my LOCAL BOFA branch and asked for HELP. The HACKERS were STILL in My Account. 
The BANK REFUSED TO SEE ME! Said I needed and Appointment! An hour later I was seen... but the HACK was over by then. 
Had I been seen immediately the BOFA Fraud team would have VOIDED the transactions and I would have recovered my {$2000.00}. 

The LOCAL BOFA staff is NOT trained on how to respond to FRAUD. BOFA must take responsibility for that and restore my {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records 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 non-monetary relief
Consumer complaint received 2024-02-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went from having a XXXX something credit score to going up to over XXXX and then my score disappearing and cant get a score on Experian, XXXX, or XXXX. Now I cant get access to my credit that is mine by right. I'm getting turned down everywhere because of this. I called Experian and raised serious concerns and spoke to several people over the phone and followed the dispute procedure over the phone and nothing top help. This is causing undue hardship on me and my family. Its not possible for me to not have any credit file when I've been using my credit since I was XXXX and I'm now 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 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.

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 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
XXXX  XXXX XXXX account ending in XXXX. XXXX XXXX XXXX has reported a charge off on my credit report, without issuing a 1099c. ( 15 USC 1681 ). XXXX XXXX XXXX has sold my personal information to a non affiliated third party, which i have no contract with, which is identity theft. The third party is threating to sue for debt that has been charged off. 
This is a abusive debt collection practice. ( 15 USC 1692c ). This has caused me mental distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
LVNV Funding is a third party Debt Collector. I have asked in writing for proof that the debt in question is actually mine. They have failed to do so. I keep getting repeated text messages and calls from them. I have disputed it multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
on XX/XX/ i deposited a check for XXXX and more money total of XXXX, the next day my acct was placed on hold. i called several times and went to the office branch no one was able to tell me anything but i have to wait. a week later i received letter date XX/XX/ my funds will be available on the XXXX business day but its still on hold.

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 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Credit Acceptance, LLC
State: MN

Complaint narrative:
It has come to my attention XXXX XXXX XXXX is illegally reporting to my consumer report without my consent or validation of a debt being owed in accordance to 15USC 1692g. This required by all debt collectors after the initial communication in regard to a debt. I have filed the appropriate FTC identity theft report and attached it below. This information is required to be blocked upon 4 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony bank representative agree to a settlement of a charged off account. After I made the payment the account was updated on all my credit reports but was still showing a charge off balance never reflecting my payment subtracted from the total charge off amount.

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.

Complaint narrative:
I applied for an AVANT CC. They sent me an email that said it was sent. This card was activated and I never received it. I asked for a new one, I still didn't receive it. I have been trying to get them to cancel it and they won't. It is still not activated now, but it has been well over the XXXX weeks you have to wait to file a not received complaint. I don't know what to do. 

It isn't active now but it still saying I have the card. 

Their customer service is horrible as well. They are rude. They don't help and they blame you for the issue. They are from another country as well and don't realize the mail runs on Saturday. 

They just repeat themselves ... " It takes 10-15 days ... '' even thought it has been two months since I originally ordered the first card. Between the CC company failing to get me my card saying they can't overnight it or send express even though I have had to order two and not received them, and their super poor customer service, I don't know how they are in business. Even getting to them through email is impossible. They responded a week later and the email wa just letting me know they received the email. Nothing more. A WEEK LATER! I would stay far far away from AVANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am enrolled in the save plan. My monthly payment is {$0.00}, so my credit score should not drop XXXX points every month when i dont make a payment. In XXXX it dropped XXXX points, and in februrary it dropped again XXXX points. Somewhere between the credit reporting agencies and the student loan people there is a glitch it picks up the interest and reports it back as a negative balance essentially. The credit reporting agencies wont acknowledge it, and the student loan servicer sad " then pay the interest monthly and that wont happen ''. But if I am not required to make a payment then my score should not be impacted negativly. Their save plan is not advertised that way and does not meet the expectations of the consumer. I called the credit agency and they are not being helpful.

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 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I am filing a formal appeal on the resolution provided regarding this case previously. 
All necessary information can be found in the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief