vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
The date of the fraud on my Social Security number was XX/XX/2020. The amount of the fraud is {$6100.00}. The company 's name is CKS Prime Investment, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The account number is XXXX XXXX. 

I have tried severally over the years to talk with the company that this was a fraud in my name, but they insisted I have to pay ( what I did not owe ). 

I never had a credit card in that name and the address used on the fraud is totally different from my address I have been living for 16 years! 

The company has consequently refused to remove it from my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I submitted a wire transfer from XXXX to Chase on Sunday XX/XX/XXXX ( both accounts involved were my own ) XXXX confirmed chase had received the transfer Monday XX/XX/XXXX. I looked over the transfer and realized I had mixed up two of the numbers in the account number. I called XXXX they submitted a recall and then the next day an amendment to the wire transfer. On Monday I spoke to a Chase representative who assured me that even if the account number did exist and belonged to another individual that the transfer would be denied and refunded back to XXXX because the name and address of the beneficiary is not that of the account holders. They assured me that the money would be back into my account by COB Monday. I called on Tuesday to Chase as the wire hadnt been returned and they assured me the same thing, that the money would be sent back to XXXX because of the information discrepancy. I was also told that they could see on their computer that Chase had received a {$2500.00} transfer request to the incorrect account number and that it would be declined and sent back that day for either that account not existing or the name/address discrepancy. I caned Chase on Wednesday, I was hung up on 3 times after they told me twice ( two different reps ) that Chase had never received a wire transfer to either of those accounts for {$2500.00}. I informed them that a rep confirmed it a day previously that they had received it and it was in processing and would be returned the day before, the rep then proceeded to put me on hold and disconnect the call after 40 minutes. XXXX told me that same day that they have tried to reach out to Chase as they havent received the wire transfer back and that Chase has not contacted them at all. I escalated a formal complaint with Chase and still have not received any other word on where the wire transfer is that has been confirmed received by BOTH banks and have been specifically told by Chase that they DO have the wire transfer for them to proceed the next day and tell me they never received a wire transfer for that amount ever for my account nor the account number I accidentally put in ( if it was an actual account with them ). XXXX is still working on recalling the money and cant get Chase to respond, I was told the next steps are to trace the money and further pursue a recall from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/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 2022-03-03 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: Key 2 Recovery, Inc.
State: MO

Complaint narrative:
The creditor advised that I have a balance. I called over the course of several days and was advised that I would have an automatic withdrawal set up to pay the balance on the account. I authorized this several times on a recorded line. Due to the agents error the payment was not processed and negatively impacted by credit score. When speaking with the supervisor he was very dismissive and intimidating. He would not address my concerns for the inaccuracies of what was reported only the balance remaining. The supervisor completely disregarded my concern and continued to attempt to collect although I advised that my information was not correct. The negligence, intimidation and disregard for the customer is appalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  is listing my account status for my XXXX XXXX account incorrectly across all three bureaus. They are listing my account as an installment loan to Equifax as 120 days late and listing my account to XXXX as " PAST DUE LATE 90 DAYS ''. They need to correct this and list my account type as REVOLVING not a installment loan. They need to update my payment status to PAID AND CURRENT. They are still reporting incorrect information! This account was paid and closed in XX/XX/2019 and all 3 bureaus need to be notified right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate items being listed on my consumer report. Its now 44 days later and I have not received a response back yet. My consumer report is causing me grave injury due to the inaccurate reporting and I feel like Im seriously being taken advantage of. I have read the fair credit reporting act and section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Its been well over 30 days, in fact tomorrow XX/XX/2022 will make 45 days and still no response yet so the items that are reporting inaccurately should be removed promptly. I demand these accounts to be deleted immediately or I will file for litigation for the injury and emotional anguish this matter is causing me. I also recently found out my information has been impacted by the XXXX XXXX XXXX and may have been exposed to 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 non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have an account with Macy 's and I opened it in XXXX, I kept it in good standing and then the pandemic hit and a fell behind on some bills : Citibank being one of them. Macy 's and some of my other creditors decreased my credit lines to {$100.00}. The original credit line at Macy 's was {$1100.00} but I've been working diligently to improve my credit. I settled a lot of debt and I recently requested an increase on my Macy 's account that was decreased back in XXXX of XXXX. Macy 's declined my request due to my having an existing account with poor payment history which is not accurate. I believe that I have shown that I can manage a higher credit limit and furthermore it is untrue to say that I have an existing account and deny credit to a consumer. I did call Macy 's and speak with someone by the name of XXXX and she stated that she would be making a complaint to mend the error. However, I wanted to make the complaint to follow through to ensure that I am protected and I receive the attention that this demands.

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 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
1. I was contacted by the debt collectors last year and was not notified that I can dispute the collections debt.

2. They keep calling me because I scheduled payment plans with them that I simply cant keep up with.

3. I havent been physically able to use these credit cards for 3 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
My son XXXX XXXX is in school and will receive his PHD in XXXX. He has student loans through Sallie Mae. Sallie Mae has made his loans revert to payment status as of right now. My son uploaded deferment information on XX/XX/XXXX and again on the XXXX with no response. He then called Sallie Mae on the XXXX of XXXX and was told they had received the information and it would be 5 - 7 more days. I am a cosigner on his loans. I called into XXXX XXXX on XX/XX/XXXX and was hung up on twice. The first gentleman I spoke with was XXXX. He found his information and then began to process this information. The phoned was cut off and I had to call back twice more. I finally got XXXX on the phone who then told me it would be another 10- 15 days. I explained to her this was unacceptable as this will not put a mark on our credit reports as being late. I called back on Wednesday XX/XX/XXXX and was told that the deferment was only allowed for 48 months and that his loans were now due. The person on the phone was rude at that time so I asked to speak with a supervisor. XXXX who was a supervisor came on the phone to explain that the loans were now due and my son has no other options but to call the loan resolution department. At that time there were 28 people ahead of us so we decided to call back on XX/XX/XXXX. I called into the loan resolution team at ( XXXX ) XXXX at XXXX am. I finally had someone pick up the phone at XXXX am. The lady on the phone did not give her name but said he had no other options but he may be able to reduce the payment to $ XXXX. Before I could ask a question this person has left me on hold now for over one hour. My son is in school and I do have a job. Now according to the recording there are 48 people ahead of me as I guess the representatives want us to hang up. As of right now I have been on hold for 1 hour and 30 minutes with no one picking up.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX XX/XX/2022 I was approved for the Paypal XXXX XXXX credit card with XXXX XXXX, the 2 % reward card. The card was then linked to someone elses paypal account who then made fraudulent charges. I had them cancel the card before the physical card had shown up in the mail. After issuing a new card and receiving it in late XXXX, Paypal has not linked this card to my Paypal account. I have no online portal to access this card or its statements. I also can not get any rewards from this card as they are all paid directly into the paypal account with no way around it. There is no alternative offerd by XXXX. I have attempted dozens of times calling them over XXXX, and XXXX, until now. They have submitted 3 linking requests, none of which have worked. I call paypal, spend 2 hours on the phone as they transfer me and re route me or hang up on me, and end up being bounced back and forth between Paypal and XXXX XXXX. Paypal blames XXXX, XXXX blames Paypal, and not a single person has stepped in to help. I have no way to get any further with either of them. XXXX and this card still is not linked to my account and there is no sign of progress or help from anyone to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: IL

Complaint narrative:
I've called and explained I did not authorize the following inquires to the credit bureau and I was told that they will be removed and they are still showing I also contacted some of the creditors who doesnt even see an account listed in my name but was told to contact the credit bureaus but they did nor remove them please have the following inquires removed from my credit report. 

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 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 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
XXXX XXXX XXXX card was sold to Goldman Sachs Marcus product. I have had no access to my credit card information for a week. I got onto their online system XXXX day and was able to make a payment otherwise it has not worked. Their online system keeps saying this : We're having some technical issues We know this isnt the screen you were expecting, but a website error is getting in the way at the moment. Please check back in a few hours our team is working on a solution. 

If you have an urgent matter, you can reach our Contact Center : Monday to Friday, XXXX am - XXXX pm, or Saturday to Sunday, XXXX am - XXXX pm ET. 

Savings & Insights customers : XXXX Personal Loan & MarcusPay customers : XXXX Business Line of Credit customers : XXXX Monday to Friday, XXXX am XXXX pm ET. 

XXXX customers : XXXX XXXX hours a day / 7 days a week. 

XXXX XXXX XXXX customers : XXXX We apologize for the inconvenience. 

When you call the XXXX number it says they are experiencing long wait times of over an hour try back later. This is terrible service! My card works but I can not verify charges or a credit I am expecting back on my card. An organization of this size should have been prepared for this and required to make sure the online system would work or at the least, hire more people to answer the phones. Customer service is starting off terrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
As you know we are finally being relesed from a 2 and a half year pandemic. A lot of life changing things have happned in that time frame. I am aware information getting mixed up transfered to the wrong hands etc. Honestly I am not here to point any fingers or provide a XXXX story. I do want to point out some facts as proof to why this capital one account is not mine and why it shall be delted from my credit report. when i look at my credit report i see a credit limit for {$1000.00} but balance of {$1400.00}. I knwo im not the smartest but my cards that i have opened do not go over {$400.00}. if i knew i could get that high of a limit starting out i would have signed up. the only card on my report that is really high is an authorised user my father put me as on his card. so honestly that raises a red flag for me. i am a hard working mother providing a lifestyle for my family so i do not have time time to fall back especially when it come to credit cards. it gave me a XXXX when i seen the item on my report truth be told. let alone the amount this card had on it. i would never allow a high balance card to close or any card for that matter. when it come to finances i work diligently to be responsible. another thing is the accoutn was opened in XX/XX/2018. I was a mother with a XXXX XXXX XXXX so there is no way i would have been in anyones bank with my XXXX  or honestly even have the time to thing about credit. so that definitely raised another red flag for me. now during the time of my XXXX i had a couple as roomates we did not know eachother very well but we had an ok relationship. anything is possible so it could be possible my personal information was looked at. i do not know it to be a fact but i am just saying because we did have a weird falling out and the couple left in a hurry. In all reality i do not want to prolong this situation because i want to start the process of buying my house. the lender i am connected with has already expressed the better my profile is the lower my interest rate and higher amount potentially approved for. So you see if the item was truthfully mine i would have arranged to pay it. i have integrity and i am very ethical. especially when it come to my finances or even other peoples money. i know money is veery signifcant an we have to tke care of it. I really hope someone sees my letter and assits me in getting this false item delted. i tried to make syre this doent sound like a XXXX story but more of fscts and straight to the point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The account listed was cancelled and rescinded because of fraud on the loan. Notice was sent to the Bank and Dealer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I, XXXX : XXXX, am a federally protected consumer submitting this complaint against Comenity Capital Bank without any influence from any third party or agency. I advise you to see the attached documentation as it contains my full complaint and requests/demands. On XX/XX/2022 ( Exhibit A ) Comenity Capital Bank discriminated against me for exercising my right to extend credit ( credit is a right granted, not a privilege to ask for ) which is a violation of Federal Law. I gave something of value ( access to my consumer credit ), and now Comenity Capital Bank needs to give me something of value in return. Since I have received no benefit, that calls for an unauthorized use of my credit card ( SSN ) and is proof of fraudulent activity. If Comenity Capital Bank believes otherwise, then Comenity Capital Bank should provide the Federal Law that opposes what I am stating. Upon the receipt of the documentation herein and of this notice, you are hereby notified pursuant to UCC 1-202f. Your prompt attention and response is required.

Company response to consumer: Closed with explanation