vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: TX

Complaint narrative:
I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and its been over 60 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: IL

Complaint narrative:
After numerous attempts to inform Equifax that they are reporting fraudulent and outdated account on my credit report and after sending proof of identity theft along with the report they still failed to correct my report, I also have brought to their attention that they are enabling the collection company to keep manipulating my credit report payment history and dates to ensure that it stays on my file, they did absolutely nothing to stop it and only picked two account on my identity theft report to correct even though they were notified by the other credit bureaus that it was removed due identity theft and inaccurate outdated reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
I reached out to the debt collection agency and they agreed to a pay-to-delete solution. There were two accounts that were supposed to be deleted from my credit report but are still being reported on my report. After 30 days I reached out to the original creditor and provided them with proof of payments and they said they would update the information but never did. I've contacted both parties on multiple occasions and all they have done is put the responsibility to remove and stop reporting these items on each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: OR

Complaint narrative:
I bought 4 bottles of oils from a company called XXXX XXXX for {$170.00}. I never received the oils. I received 3 empty bottles and one bottle of a smelly, cloudy liquid that was not oil. On XXXX XXXX website it says money back guarantee. I communicated with them regarding a refund, and they said yes, they sent me a return label. I returned the empty bottles. They said that they deposited my refund of {$170.00} into my KeyBank account on XX/XX/23 but I have not seen the deposit. And it's not on my bank statement either. Key bank is telling me that they have not seen the deposit either. I opened up a dispute with key bank and they told me they would do an investigation. I communicated with XXXX XXXX again and they said that the reason we can not see the refund is because I opened up a dispute. I spoke to the bank, and they said that we are able to see the deposit even with the open dispute. So, I communicated again with XXXX  XXXX and they said that key bank is lying, that they are incorrect, and that key bank has my refund. Key bank is saying that they do not have my money. 
Key bank has denied me. The reason they gave was because they say that I authorized the transaction. I told the bank that I was maliciously lied to, I was deceived. I was scammed. That this is deceitful fraud. 

XXXX XXXX is making an unjustified criminal claim that they returned my money back into my KeyBank account refund Refrence deposit number XXXX On XX/XX/23. 
But they have NOT. And the bank has a document that says XXXX  XXXX refunded my money into my bank and they also have the screenshots of the texts of XXXX  XXXX saying this as well. 

XXXX  is fraudulent, they are also making an unjustified criminal claim that they did send me the product I bought, BUT they did NOT, they were EMPTY bottles!!!! 

I have sent Keybank many emails and have called Keybank on the phone many times regarding the company XXXX XXXX being fraudulent and deceiving me on purpose. I have sent key bank documents, pictures, texts from XXXX  XXXX as proof and I will sent them to you as well. 
I asked key bank for a chargeback. A reversal of {$170.00} to be put back into my bank account but they denied me. I asked for the case to be reopened on XX/XX/23 but I am afraid that they will deny me again. Please help me get a chargeback from key bank due to fraud, being misled on purpose and lied to. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I reached out to XXXX regarding my late payments twice told them the late payments they are reporting is reporting different numbers to all 3 credit bureaus one bureau show 12 missed payments then at another bureau it is reporting 6 I will like for issue to be resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phillips & Cohen Associates, Ltd.
State: KY

Complaint narrative:
PCA Acquisitions, V, LLC filled a case against me through XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ) in XXXX and I just received a summons from the sheriffs department on XX/XX/XXXX, threatening to serve me at home or my place of work. All information they presented is very inconsistent with the paperwork I have dating from XXXX and send to the debt consolidation company ( XXXX XXXX ) in XXXX, which was when the debt occurred. In summary, there was XXXX different account numbers with XXXX different amounts. Also, there is nothing reflecting in any of my 3 credit bureaus for this collection agency, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Timeline is as follows : On XX/XX/XXXX a letter was written to me from XXXXXXXX XXXX stating the card ending in XXXX was sold to XXXX XXXX XXXX. XXXXXXXX XXXX Amount is XXXX. Stated it sold on XX/XX/XXXX. 
Statute of limitations is 5 years. This would put max collections at XXXX, if I am tracking correctly. 
This was sent to XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX received email from XXXX stating debt for XXXX XXXX ( XXXX ) was added to plan. 
Letter received from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX sold to PCA Acquisitions jumping to XXXX and ending in XXXX. A copy of this letter was sent to XXXX on XX/XX/XXXX. 
Received letter from XXXX XXXX XXXX on XX/XX/XXXX to pick up documents, which I did on XX/XX/XXXX. Documents reflect old statement balances from XXXX of XXXX with account ending in XXXX. 

XXXX letters/statements : Different Account # s and Different amounts XXXX XXXX Acct. XXXX {$690.00} PCA Acquisitions Acct. XXXX {$820.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Acct. XXXX Balance {$780.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/2023, I used XXXX XXXX to send money transfer from my XXXX XXXX  ( XXXX  ) account to my USD bank account with BMO Harris. The money was paid on the XXXX and I was expected to receive it on XXXX XXXX. This is not the first time Ive done this- Ive done these transfers multiple times with no issues! I called XXXX XXXX and the money was delivered promptly. I then called my bank multiple times and they said multiple times they couldnt track my deposit of XXXX $ XXXX however when I finally provided a reference number to the supervisor they say that they are holding my money due to OFAC- however this is not the first transfer I make- and I am sending the money to myself so why would I get a hit. They dont respond my emails and they are not able to give me a timeline on when I get my funds released- I was doing my transfer to pay for school, and I dont know why my bank is not releasing the funds- they havent asked me to confirm any details. I already submitted a license application with OFAC but I know my bank can push through and expedite this case!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
My mother financed a car through credit acceptance at an interest rate of 22.99 %. The car was valued at XXXX but they charged her XXXX for it. The car was involved in an accident in XXXX. It was totaled. Thats when I found out that they let her use me as a co-signer without me consenting to do so and she purchased the car without initially getting insurance. My mother passed away in 2020. After she died they took me to court, sued me and are threatening to garnish my checks if I dont pay them {$17000.00}. They also reported it as a voluntary repossession on my credit which is hurting my credit score and credit worthiness.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I filed a CFPB complaint for payments not applied in a timely fashion, see XXXX. 

The response to this complaint does not address all of the factors in my complaint, specifically, that the XXXX payment was handled in a different way than the XXXX payment. The XXXX payment was backdated, without my asking for it to be, but the XXXX payment was not so backdated. 

I've also learned since the previous complaint that it is Goldman Sachs themselves that have imposed a {$750.00} limitation on electronic payments from XXXX. Had they not imposed this limitation the payments in question for XXXX and XXXX would have been sent electronically, not via check over the mail, and we would not be here arguing over payments not credited timely. 

I again request that my interest charges be waved, as my payments were submitted in a timely manner, and I would again request an explanation for why the XXXX payment was processed and handled differently than the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received an alert email from my bank on Sunday XXXX stating a lender checked my credit report AND verified my identity. After I accessed my bank 's mobile app, I found info on the lender and called Monday, XXXX To my surprise and relief a step answered and after exchanging info, she informed me the credit card that I didn't apply for was flagged and on hold pending further investigation.She also informed meet was applied for on-line and none of my personal devices were used for this action. Please consider this a concern and not a complaint against the lender. Mt complaint is with the person/people who attempted to use my info to procure a credit card!

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 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Roundpoint Mortgage acquired my mortgage from XXXX XXXX in XX/XX/XXXX. 
I called and ask a customer service representative XX/XX/XXXX if I could remove the escrow and pay it myself. I received a check for {$2700.00} on XX/XX/XXXX, check # XXXX for an escrow refund. I also received a letter from Roundpoint dated XX/XX/XXXX stating as of XX/XX/XXXX I would no longer have an escrow account and that my mortgage payments would now be {$560.00} for the principle and interest only. I have paid the mortgage amount {$560.00} on time since then but their billing statements and my on line account still reflect I owe escrow, so they charge me for partial payments and late fees. I have spoken to customer service reps on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about this. They called me on XX/XX/XXXX and had me give them my checking account information and took {$1600.00} that day to apply the late fees they said I owe. That confrimation # XXXX On XX/XX/XXXX I received a packet from Roundpoint with information how to avoid foreclosure. I do not know what to do anymore.

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 2023-05-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received an alert e-mail from my bank on Sunday XX/XX/2023 stating a lender checked my credit report AND verified my identity. After accessed into my bank 's mobile app, I found info on the lender and called Monday XX/XX/2023. To my surprise and relief a rep answered and after exchanging info, she informed me the credit card that I didn't apply for was flagged and on hold pending further investigation. She also informed me it was applied for on-line and none of my personal devices were used for this action. Please consider this a concern and not a complaint against the lender. My complaint is with the person/people who attempted to use my info to get a credit card!

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 2023-05-30 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Wife got a credit card in my name with capital one, without my permission. Only found out about it after she passed away. Called capital one and would not help me and was told there was nothing wrong or illegal about her opening an account without my knowledge. Got the account closed and they sent it to collections. Would not send me an itemized list of charges or a signed agreement from when account was opened when I asked several times. I never saw a card or statement from capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
THIS IS THE 3RD TIME I AM REPORTING AN ISSUE WITH BARCLAYS AADVANTAGE AVIATOR RED MASTERCARD CREDIT REPORTING PRACTICES. 

XXXX XXXX AND XXXX SHOW THAT BARACLAYS REPORTED THAT I MISSED THE XX/XX/2023 PAYMENT. I IMMEDIATELY CONTACTED BARCLAYS TO INFORM THEM THEY WERE ERRONEOUSLY REPORTING A MISSED XX/XX/2023 PAYMENT. THEY INFORMED ME THAT ALTHOUGH THEY RECEIVED MY PAYMENT ON XX/XX/2023, I WAS REPORTED FOR A MISSED PAYMENT BECAUSE THEIR INITIAL ATTEMPTS TO COLLECT THE XX/XX/2023 MONTHLY PAYMENT WAS RETURNED, SO THEY REPORTED XX/XX/2023 AS BEING MISSED. 

MY MONTHLY PAYMENTS ARE DUE THE XXXX OF EACH MONTH. I WAS DELAYED IN MOVING THE MONEY TO THE XXXX ACCOUNT USED TO MAKE THE BARCLAYS PAYMENTS SO ALTHOUGH THEIR INITIAL ATTEMPTS TO COLLECT THE XX/XX/2023 MONTHLY PAYMENT WERE RETURNED, THEY RECEIVED THE PAYMENT MADE ON XX/XX/2023. I SUBSEQUNTLY PAID OFF AND LOCKED THE CARD ON XX/XX/2023.

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 2023-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX I received a solicitation from Capital One Bank advertising their 360 Performance Saving account. Capital One Bank offered a {$500.00} bonus for opening a new account provided the new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$99000.00}, and I maintained that Deposit Amount for 90 days. I opened an account on XX/XX/XXXX and made a {$50000.00} deposit on XX/XX/XXXX. I maintained this deposit for 98 days, withdrawing my money on XX/XX/XXXX. I have not received my {$500.00} bonus. I called on XX/XX/XXXX to track down my {$500.00} bonus and was told that I don't qualify. Here is the exact wording from their offer : '' How to earn it : Open a Capital One 360 Performance Savings account using XXXX XXXX XXXX to earn one of these bonuses : {$100.00} bonus The new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$49000.00}, and you maintained that Deposit Amount for 90 days. {$500.00} bonus The new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$99000.00}, and you maintained that Deposit Amount for 90 days. {$1000.00} bonus The new money deposited from an external bank during the Initial Funding Period was more than {$100000.00}, and you maintained that Deposit Amount for 90 days. You must deposit the required amount from externally sourced funds ( transfers between Capital One accounts will not qualify ) within the first 15 days of account opening ( Initial Funding Period ). '' Funding Period ). Their position is that the 90 days does not start until the end of the funding period, but their written offer states during the funding period and maintained for 90 days. It is misleading to state " during the funding period '' if your intention is really the end of the funding period.

Company response to consumer: Closed with explanation