vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 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: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
DISPUTE : Capitol One Credit Card A bank account was added onto my account as a payment method.. This was done without my consent or knowledge. It Was added by a hacker.who then added funds by making large payments to my account by using this fake bank account. Then the credit card company allowed that bank to be added to my account ... Even though the bank wasnt in my name. Then without first verifying that account was active. And was truly my bank account..or even that funds were available ... They cleared the payments. Declaring them available. Posted them to my account. The hacker Then withdrew the funds. Funds were cleared without the credit card company verifying the funds were available. Allowing the hacker to withdraw these funds. 
My name isn't even on this bogus bank account. So why did they accept and clear this bank account? Especially since ... nor my name, address or anything on this account has me ever having been associated with that account? And why would the credit company have posted the payments made from this account without first verifying the funds were available? They made mistakes after mistakes. Allowing a hacker to take advantage of there XXXX  ... and my vulnerability. There at fault ( credit card company ). Now i can't express this enough ... the bank account they allowed to be added as a payment method ... was not mine. Nor was it in my name. Why would they allow a bank account to be used that wasn't in the account holders name? What measures do they require in order to verify that bank? because they clearly never contacted me.They kept clearing and posting every payment the hacker made without ever actually getting the so called funds from the hackers phony account. nor did they ever contact me to verify all these large payments that we're being made. one right after the other. Then allowed the funds to be withdrawn immediately after they cleared. This was done over and over within the same month. no one suspected fraud? this is insane!!

now they want to charge me for there XXXX??? 
help Me please? 
anyone should have easily seen that my account was being victimized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have tried to resolve this issue with the bank for months. 
There was a transaction to a merchant named XXXX XXXX XXXX that I made that I later requested to be refunded for. 
The tickets that I bought from XXXX were for an event that was later cancelled due to the unprecedented events caused by Covid-19. 

I have asked the bank disputes team to ask the merchant to get the charge back without success. 

I hope this entity can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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:
I tried to update my social security on my Experian account but was unsuccessful. Two incorrect SSNs were listed, and the correct SSN was not listed.

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 2020-12-31 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: NC

Complaint narrative:
THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM XXXX XXXX XXXX. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX 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 2020-12-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$950.00}, {$1100.00}, {$2100.00}, {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$950.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
On the XXXX of XXXX, XXXX Enhanced Recovery Company reported that I owed XXXX  XXXX  about {$1000.00} for services. When I contacted ERC and told them that I've never used XXXX  in my life, they basically told me that I can try disputing but it won't make a difference and that they " knew '' I was lying. Since then I've proceeded to submit my dispute and months went by and it went under dispute status but nothing happened after that. Around XXXX I decided to make a payment and settle the account because I figured that paying the account off might help my credit, ( which is has ). Yet it is still reporting, and now my credit card lenders see me as an irresponsible cardholder and won't increase my limits. I'm XXXX years old and try to be as responsible as I can when it comes to these things because I know the true power of having good credit and I can appreciate someone who has it. I don't think I've ever missed a card payment since I opened my first card in XXXX, I hope my dedication doesn't go unseen and that you're able to assist me on this. I will say I probably shouldn't have paid the account off but I am simply desperate and want my credit to be in good standing. Thank you and happy holidays!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax has repeatedly denied me access to their personal credit monitoring services by refusing to allow me to create a myEquifax account. The attached is a sequence of events in which I was repeatedly transferred, asked to submit additional identity verification, and given incorrect phone and fax numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$950.00}, {$1100.00}, {$2100.00}, {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$950.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$950.00}, {$1100.00}, {$2100.00}, {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$950.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: FL

Complaint narrative:
XXXX XXXX membership automatically renewed in XX/XX/2020 with my GMFlex credit card. When I saw the charge on my XXXX statement I immediately contacted XXXX  and told them that with covid no one was flying and I wanted to cancel my membership. They did and gave me a confirmation number. I then contacted my GMflex card company and provided all of the information requested by fax, by scan, by email. It was taken off, added back on taken off and added back on again. 6 months of back and forth. GMflex finally called spirit with me on the line they told XXXX that they were paid already and they were not reversing it. XXXX said if GMflex send them that letter they would refund the money. GMflex immediately sent me the letter. When I sent it to XXXX, they told me sorry we dont refund and your stuck with the membership for a year. I told them you can see I have not booked a flight on almost 2 years but they did not care and GM flex failed to also assist me during this pandemic and unusual circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was shopping on XXXX. At checkout, PayPal offered credit to pay for my purchase with no interest if paid within 6 months. I applied and was given a credit line of {$3400.00}. My credit was ran by PayPal for this credit line to be offered. Upon checkout, I was not able to use the credit line from PayPal. I contacted an agent who said I needed to link my checking account and banking card. I followed the instructions and was still not able to use the credit line. I tried using it at a different vendor, and despite that vendor accepting PayPal credit, I was not able to use it once again. Every agent I speak with gives different answers but there is no resolution. I went to their public forum and there are hundreds of PayPal credit holders who have had the same issue dating back to 2016. I dont understand how PayPal is able to run credit checks for approvals but not allow customers to use any part of the credit line. This bait and switch tactic needs to end.

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 2020-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have contacted capital one several times to please update my information since I have paid the off and they have not. There is old information on my credit that should be removed and it is not removed. This is preventing me from obtaining credit as they are keeping my score in an unfair really low number. It is preventing me from obtaining fair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
An item that I did not purchase for {$170.00}, on XX/XX/XXXX, was charged back to my account on XX/XX/XXXX. I told ( emailed ) XXXX XXXX and Citizensbank several times that I wanted to cancel this purchase on XX/XX/XXXX through XX/XX/XXXX, before the transaction posted to the account. Criminals hacking my phone number, of XXXX, and pretending to work at Citizensbank, refused to cancel the transaction. They told me that I had to let it post to the checking account. That comment did not make sense. There are several convicts copying my phone number, so, they wanted XXXX XXXX to deliver the package and ruin my checking account. I am so frustrated with people copying my phone number and talking to me over the phone. I have contacted and called the local police and the attorney general several instances about this matter. I can not make important calls to banks or creditors.Many of my relatives were XXXX  this year and I rarely got to talk to them because criminals were intercepting the calls. 

XXXX XXXX delivered the package, anyway, causing, my account balance to suffer. After Citizensbank completed the, banking, transaction, I told Lasership delivery service to " please not deliver the package,. " I was dealing with a financial hardship. A criminal pretending to be a representative from XXXX told me that he was not going to deliver the package. 
They delivered the package anyway. Several criminals were lurking near my home, during this time, as my father was sick. The criminals must-have evaded my home, because several items were stolen during XXXX through XXXX. I was saddened and distraught. They took advantage of my father ' s home while he was ill. Recently, on XX/XX/XXXX, the purchase of {$170.00} was returned by Citizensbank. I keep trying to call XXXX XXXX and Citizensbank, however, their are stalkers and criminals at XXXX, XXXX and some other XXXX  speaking countries, intercepting the calls. They are intercepting the calls, so, that I am unable to speak with an, authentic, representative, from Citizensbank, to resolve the issue. I am not certain what is happening with my banking accounts, but, I believe that someone at XXXX, XXXX or XXXX is responsible for these crazy transactions that I am having now. Why they are harassing me? Why are they trying to ruin my life? Why are they stalking me? They might me be XXXX or have a XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NC

Complaint narrative:
THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM XXXX XXXX XXXX. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NC

Complaint narrative:
THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM XXXX XXXX XXXX. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX 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 non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM REGIONAL ACCEPTANCE RECOVERY. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : REGIONAL ACCEPTANCE RECOVERY 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