vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My student loans with XXXX were discharged ( paid in full ) on XX/XX/23. XXXX, a CSR at XXXX informed me that the credit bureau would update all ( 3 ) credit bureaus in XX/XX/2023. They also provided written documentation regarding the status of the loans for record-keeping purposes. Upon reviewing my Equifax credit report, the debt was not updated and continues to reflect a balance. I contacted Equifax and shared that my loans were discharged and requested to have the account updated and was instructed to open a dispute as well as provide any supporting documentation. I have spoken to several CSR at Equifax and requested multiple times to have this account updated as well as provided discharged notice that reflects the account has a {$0.00} balance. Upon return of the dispute, Equifax did not update the account to reflect a XXXX XXXX balance and paid in full, rather the dispute returned with the following comment account has been reported correctly Following, I contacted Equifax again and was informed that they use a system to obtain information regarding accounts and that they do not contact the creditor directly to verify the supporting documentation that was provided. Each time I contact Equifax, I am either transferred to another department or instructed to open a dispute. This is rather frustrating since I have attempted several times to get the account updated. Each time a dispute is open, it takes at least 30 days to receive an update which in this case no update to my credit report has been made. The delay to update my credit bureau reports continue to impact my financial status and continues to report negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a heloc at penn fed credit union XXXX. I have no prior business with this credit union. My application was denied. two months later i receive in the mail a statement showing my " new savings account '' that i did not open and it had {$5.00} in it. This is gros misconduct and terrible. Still doing the same thing like wells fargo. I dont care if they put it in the language of a 50 page disclosure, its wrong and terrible. Please do something. I am a very intelligent business owner for 25 years running an insurance agency. I did close the account with the bank, but they were not helpful at all only referred me to website. Im in process of rebuilding my credit and this doesnt help me. 

thanks you. 
XXXX XXXX XXXX florida

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
Loan Type : XXXX XXXX XXXX XXXX XXXX : ED Financial Services XXXX : XXXX, TN Grievance : Failure to provide accurate payment history and loan transactions During my loan period, EDFinancial Services switched to operating online platforms. At this time, the company requested that loan borrowers allow for 60 transitional days for account information to be processed and sorted within the updated accounts. The provider confirmed that my account was transferred on XX/XX/2023. 

On XX/XX/2023, I requested a full transactional statement reflective of my loan account. This was after the 60-day waiting period. The company responded on XX/XX/2023, for clarification on the request and indicated that requests are taking 30-60 business days to process. 

On XX/XX/2023, I clarified the request, and the company only offered my current account balance at the time. Indicating again that the average processing time is 33 business days but could take longer due to high demand. 

I have followed up with the company again for the loan transactions statement on : XX/XX/2023 XX/XX/2023 I have yet to receive an updated transaction account, and I believe that my interest payments are being incorrectly managed. I do not feel secure paying for services without accurate transactional statements. 

I have recorded and filed all payments on my behalf, but I am unsure how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XXXX we received XXXX bank statements and an NSF Letter in the mail addressed to my personal name from BMO Bank. I did not open these accounts. My wife and I called and made a statement that these accounts were opened in a fraudulent manner. BMO stated they couldn't provide an identity on the actual individual who open these accounts. We received another statement and a dispute letter in the mail on XX/XX/XXXX. We called to confirm that these accounts had been closed. The said individual said her department doesn't handle sending out letters confirming the full closure of the accounts. We asked the specialist if we could please get a copy of the individual who opened the account. Specialist stated they don't require identification from anyone who opens account up through their online website. We ended up calling a local branch within our state to verify this information. This is not ok. This bank has put us through a whole lot of issues this past month, we have had to freeze our credit reports, put alerts on XXXX XXXX. Not to mention they are encouraging this fraud, and someone is having to pay for this. They are required by law to practice their due diligence and they are not. The USA Patriot Act requires all banks to require proof of identification.

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 2023-11-09 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
While traveling to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/2023 a fraudulent charge occurred and was posted to my American Express card last five digits XXXX. We the two cardholders did not initiate, authorize, validate or sign for this charge to said company XXXX in the amount of {$2200.00} transaction date XX/XX/2023. 

Upon return to the XXXX I became aware of the charge and immediately called American Express to report this crime and Fraud on my Gold American Express Card. The card was immediately canceled and new cards were sent to my home with new card numbers. 
I followed all instructions from American Express following the initial phone call. Now months later this is still not resolved. American Express has mishandled this XXXX # XXXX from the initial reporting of this fraud. They have opened and closed numerous cases on the same charge to card and as of today have still not confirmed to me that they will not re-bill me for the crime committed while traveling in XXXX on my credit card. 

After months of dealing with this and hours and hours of stressful frustrating phone calls American Express latest letter dated XXXX XXXX which I have attached they have again removed charge from my billing cycle, BUT stated that this is not a guarantee that they will not in the future re-bill me for the criminal fraudulent charge of {$2200.00} from said company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: OH

Complaint narrative:
I opened an account with XXXX XXXX 's community bank in XXXX XXXX XXXX - I have had an enormous amount of fraud since I opened this checking/Savings account with a debt card. They knew my account had fraud but never went line item with, I am XXXX and needed and asked for their help and they did not help. 

I have one major offender XXXX that has charged me twice ( maybe more, trying to get all my statements ). for XXXX on both XX/XX/XXXX and XX/XX/XXXX- XXXX stated they will return my money if I go thru the bank to help me and the bank will not help me. 

I did live in VT but moved back to XXXX  in XXXX, I asked the bank before I left to freeze my account in the spring of XXXX as there were suspicious charges and XXXX should not have charged me as I did not live in VT. The bank refused to freeze my account. I called, I wrote letters, I returned my checks, and debt cards and they still did not freeze my account. Then my account was in arears and I had to pay, if they would have frozen my account liked I had asked several times this would not have happened. As well, they never took the time to go line by line on my statements and I have had more than 20 line items of fraud on my account. They just kept giving me another debt card knowing well that I had fraud. 

I even sent them notarized letters as they said my letters, even thought they included my checks and debt card was not notarized. Even notarized they did not freeze my account as that is evident by XXXX and XXXX monthly charges that I did not approve. 

I have scanned my statements, which they also are refusing to realize I live in Ohio not Vt and all my letters show my Ohio address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

It's been almost 30 days and XXXX and XXXX were able to delete those inquiries that I have disputed with them. They were able to provide the resolution within a few days. I don't understand why you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX - XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I called the American Express XXXX XXXX XXXX XXXX in XXXX when I saw for the first time the annual fee charge of USD XXXX, which is high compared to the news and changes in XXXX membership ( skymiles ), and it is not giving me the same benefits as in the past. The agent re-directed my call to another client retention representative who told me he still couldn't change my annual fee, but it would be possible after a year of membership, and I should call in XXXX. 
On XX/XX/XXXX, I called the American Express XXXX XXXX XXXX XXXX again, and it was precisely the same re-direction of my call to a client retention representative who mentioned that there was an exact date when this year was going to be completed, XX/XX/XXXX and that I should call again then or after that date. 
I called later on XX/XX/XXXX and spoke in XXXX first with a representative who canceled my card and didn't redirect me to client retention. She didn't mention that by canceling the credit card, I should still pay the annual fee of USD XXXX for only XXXX MONTH of usage. 
I called the same call center in Spanish that same day, XX/XX/XXXX, to say that if they were not going to eliminate my annual fee for my credit card, there was no point for me to cancel the card and that I would keep it one more year. The representative, XXXX, mentioned that he couldn't reinstate it. Therefore I requested a XXXX. 
The XXXX, XXXX, mentioned that he couldn't reinstate the credit card either ( he didn't know why ) and would request the reinstatement to another area, which would take XXXX business days. 
Today, XX/XX/XXXX, I chatted with a representative ( XXXX ) at around XXXX am EST from American Express, and he mentioned he couldn't help me and that I had to call the service center over the phone. 
I called the service center today, XX/XX/XXXX, again at XXXX am EST and talked with another representative called XXXX, who mentioned utterly the opposite to all the other six representatives I have communicated with before ; he said there was no way to reduce the annual fee, and there was no way to reinstate the credit card since internal rules have changes in XX/XX/XXXX. They were not able to reinstate credit cards anymore. I have asked for an internal investigation of my calls in XXXX, the beginning of XXXX, and all the previous calls. XXXX mentioned there was already an investigation, and there was no fault of AMEX. 
I requested to talk with a supervisor, and XXXX mentioned he would look for XXXX, but after a long wait, he said there was no one he could contact and that they would call me again in XXXX hours. 
I have clarified that I do not want any reduced annual fee or anything ; I want to reinstate my AMEX XXXX XXXX credit card, which I have already paid for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I clicked on a link on the XXXX website to apply for a XXXX XXXX store card. The page that opened said that I could click on a button to see if I qualify for pre-approval for the card, and it will not impact my credit score. I clicked on the button and entered the information requested. Then I got a message that I was not pre-approved, and it again said that it would not impact my credit score. 

On XX/XX/XXXX, I received an email from XXXX XXXX that included a letter. The letter was a full credit review that denied my application for the card, and listed my credit score as XXXX. That is significantly lower than the credit score that I received when I applied for a credit card with XXXX XXXX XXXX XXXX only a month earlier. XXXX denied my credit card application, in a letter dated XX/XX/XXXX, but listed my credit score as XXXX. They used XXXX in their evaluation. 

I did not apply for a card with XXXX, only clicked on a button for pre-approval, and I was assured, both before and after clicking on the button, that it would not impact my credit score at all. That was dishonest. XXXX XXXX  used a credit company called XXXX XXXX XXXX. 

I called XXXX XXXX on XX/XX/XXXX, the same day that I received the emailed letter from them. I said that the process was unacceptable, and I had not agreed to a full credit review and they had lowered my score unreasonably. The staff person was totally unhelpful, saying that I had agreed to it while at the same time agreeing with me that I had not. Then I said that I wanted the decision reversed, and I got a different response from her. She checked with someone and said that they would do an investigation and look at the website. If my concern is valid, they will remove the credit score and reverse the decision. She said they would send me a letter within 30 days. 

I have not received a letter from them yet. It has not yet been 30 days, but I want to alert CFPB and consumers because this process is a sham and should be stopped. It is stressful and unpleasant, and other people should not have to go through it. CFPB should stop XXXX XXXX  and XXXX from false and misleading advertising and doing full credit reviews, what they call a " hard inquiry '' without peoples ' permission.

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 2023-11-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian closed the complaint number XXXX prior to providing a final resolution. The company 's response demonstrates that the matter has not been fully investigated or addressed. Please see the following taken from their response : " Upon completion, an updated copy of the credit report will be forwarded to you for review. '' Further, the following issues were not addressed in the response : 1.I requested copies of all investigative reports from XXXX of XXXX ; 2. Why the Experian has disregarded a valid court order ; and 3. Why Experian has not followed the standard practice in XXXX  v. Experian Info. Solutions, Inc., Case No. 05-cv-01070- DOC ( MLG ), ( C.D. Cal. Nov. 2, 2011 ), compel the CRAs to follow their standard practice and presume that all unsecured debt were discharged in bankruptcy and update accounts accordingly. 

Therefore, the dispute has been closed prematurely..

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 2023-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied for a job online and got sent over to XXXX where I got into a job called sears and began working on a site called XXXX. An agent on XXXX explained how everything works and the first few days seemed easy I didnt have to spend any money, instead I was making it. Im in the XXXX, Im a XXXX  I was looking at a new way to earn some extra income, at least online because I dont have any sort of transportation to go and get another job. About the XXXX day I had to blow about {$1800.00} and I let myself get scammed into paying money. The agent said if the product order that we send reviews on is more than the commission for the product then your account will go negative. My account for XXXX is now - $ XXXX and they expect me to break even with that negative number to be able to finish the final product review to where they will let me withdraw more than $ XXXX. Like I said I let myself get scammed I dont have the money to pay that negative number and I wan na find a way to hopefully get my money back but idk what to do so I need help!

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/2023 I sent in a hand written letter to dispute and account on my credit report ( World finance Company ) due to inaccurate information to XXXX, XXXX, and XXXXI received a letter stating that the account information was verified. This account has been charging interest on this charge off account for very month since charged off increasing the balance even though it's been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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