vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Test transactions ( two credits and one debit ) by an external bank ( XXXX XXXX  ) have been counted towards the 6 withdrawals limited by the 204, Regulation D. 

Because of the limit, the automatically scheduled credit card payment at XXXX XXXX  was blocked ( due to limitation ) and the unsuccessful withdrawal assessed a {$29.00} fee by XXXX XXXX. 

Test transactions initiated by external banks should not be counted towards 6 withdrawal limit since those are not withdrawals authorized and/or initiated by me as defined by 204, Regulation D.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I submitted a dispute for a collections account that appeared on my Equifax Credit Report for XXXX XXXX XXXX, original date of collection XX/XX/XXXX. I have yet to get the results of this dispute. According to my credit report it states that the dispute " reinvestigation is still in progress '' however this has been ongoing for the past 6 months. I have attempted to contact Equifax and they stated that this dispute has been resolved but I am unable to dispute the results of the investigation if I do not know what those results are. I do not believe that this debt belongs to me but it has been listed on my credit report and I am unable to resolve the matter with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In the case of all three credit reporting agencies ( XXXX, TransUnion, and XXXX ), the score that is reflected is not consistent with my credit profile, and they can not give me a creditable explanation of why. I have only one late payment within the last four years, and that was while I was in XXXX. I have no collections, no defaults, and no derogatory history. Yet in each instance, my credit score comes back as only Fair. I am requesting that your office look into this and provide me a reasonable explanation of why this is the case. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: VA

Complaint narrative:
In the case of all three credit reporting agencies ( XXXX, XXXX, and Equifax ), the score that is reflected is not consistent with my credit profile, and they can not give me a creditable explanation of why. I have only one late payment within the last four years, and that was while I was in XXXX. I have no collections, no defaults, and no derogatory history. Yet in each instance, my credit score comes back as only Fair. I am requesting that your office look into this and provide me a reasonable explanation of why this is the case. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: GA

Complaint narrative:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX : ACC NO : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX GA : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, 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 2020-04-10 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: GA

Complaint narrative:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX : ACC NO : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX GA : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I Filed a dispute in regards to inquiries items on my credit report its Been Well over 30 days And I Havent Receive Any Investigation Result.

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 2020-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My wife 's employer wanted to send her {$1000.00} dollars while she stayed home during the coronavirus. I had my wife tell him about Venmo, which I had used to send a music teacher {$60.00} twice with no problem. On XX/XX/2020 at XXXX XXXX I got the first email from Venmo ( attachment {$1.00} ) saying my sender had sent me {$1.00}. 

I clicked to accept the {$1.00}. 

At XXXX XXXX   the same day XX/XX/XXXX I got the next email from Venmo ( attachment {$1000.00} ) : I clicked to accept payment. 

Note that the Subject line says the sender " paid you '' not " is thinking about paying you '' or " would like to pay you '' -- no. " Paid you. '' So I click to accept payment and lo and behold the {$1.00} is in my Venmo account, but the {$1000.00} isn't. I wait a day or two, try several more times and finally complain on their website. 

I receive this response : " Hi XXXX, XXXX from Venmo here and I'd be happy to take a look into that for you! 

I am not able to locate this payment and can confirm it was not successfully sent to your account. I would recommend contacting your friend to have them re-send the payment or have your friend reach out to us directly. 

Similarly, you can send them a charge request and give them a heads up that you never received the funds. If they are able to successfully accept the charge request, the funds will be put right onto your Venmo account. 

For more information about how to pay or charge a Venmo user, we recommend checking out this article : XXXX XXXX XXXX  '' I do not want to contact my " friend '' who I have never met, I don't want to reveal to him that I have invited him to entrust his banking information to people who seem to have misplaced his {$1000.00}. This is highly unprofessional on Venmo 's part. I'm supposed to go looking for the money? I'm supposed to ask the sender to " resend the payment ''? He will rightfully fear that he will be double billed. 

As I told Venmo, they are " incompetent AT BEST. '' Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint narrative:
I did receive responses to my complaint # XXXX from Equifax, that is why I am duplicating my initial complaint. 

Good morning, I have started seeing that my credit report right now is full of hard inquiries which have not been by me, moreover, I have not been living in United States for 5 years, i dont know who is using my information but i would like to delete hard inquiries and one collection account which does not belong to me 1 ) XXXX XXXX Reported : XXXX XXXX, XXXX, $ XXXX Closed 2 ) XXXX XXXX XXXX  XXXX XXXXInquiry : XXXX XXXX, XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX-Inquiry : XXXX XXXX, XXXX 4 ) XXXX XXXX - XXXX -Inquiry : XXXX XXXX, XXXX 5 ) XXXX XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX 6 ) XXXX XXXX - D-Inquiry : XXXX. XXXX, XXXX 7 ) XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX 8 ) XXXX XXXX, XXXX-Inquiry : XXXX. XXXX, XXXX 9 ) XXXX XXXX- Inquiry : XX/XX/XXXX 10 ) XXXX XXXX- Inquiry : XXXX. XXXX, XXXX 11 ) XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX 12 ) XXXX- Inquiry : XXXX. XXXX, XXXX 13 ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 14 ) XXXX- Inquiry : XXXX XXXX, XXXX 15 ) XXXX XXXX XXXX XXXX- Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently applied for a mortgage and received some alarming information when they reviewed my credit. There are a lot of fraudulent accounts on my consumer report that I never knew of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed some accounts on my credit report in XXXX. My social security number was breached and used by someone. Several months after this report, my husband and I decided to purchase a new home build. When we started the loan process we were told I still had accounts in dispute. This was more than 60 days after I requested the disputes. So, not only did Transunion not remove the disputes, they didn't do them in the 30-45 day window. In XXXX of XXXX my husband and I at the direction and help of our lender began requesting all disputes be removed from our report so we could close on our home in late XX/XX/XXXX. All other credit reporting agencies removed the disputed except Transunion. We have attempted almost every day to contact them via email, social media and by phone. We have received no word that they have removed the disputes. Aren't there federal laws guiding this kind of behavior?!! We are now 2 weeks past closing on our newly built home, and 100 % because Transunion has STILL failed to remove the disputes!! The state of the country today is NOT an excuse!! You have gone far over the allotted time as well as failed to follow through on the proper requests!!! Get the disputes off my record!! Do it now!!! My husband and I are XXXX  and don't have time to fight with this XXXX everyday! Do your job!

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 2020-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have made some payments but have stopped due to loss of pay. They must have looked me up on XXXX or other social media and have started calling my family members and friends and giving them information about my debt. I never gave them phone numbers of my friends or family nor have I gave them permission to call them and tell them I owe this company anything. That is a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/2020, Syncb. XXXX, FL, XXXX made a hard inquiry on my credit. I did not apply for any credits or credit cards for over a year. It is an identity theft.

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 2020-04-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I authorized my parents to use my Citibank credit card to buy scooter chair for {$5300.00}. When I later saw charge on statement didnt recognize charge and reported as fraud. Citi credited my card and issues a new one. By the time I realized the mistake my mom had already been reimbursed and contacted vendor and paid for the scooter in full. Because I had wrongly reported charge as fraud I called Citi as a courtesy to tell them it was a mistake not a fraud and I had paid with another card. For some reason Citi arbitrarily charged my card again. For six months I have been calling Citibank trying to resolve. I even called the vendor and they sent me proof that the had credited my account because there records did show a double payment. I sent that proof to Citi on XX/XX/XXXX. Yesterday after 2 hours and 32 minutes on the phone with Citicard I was informed that they have closed the case and are done with it. ( I can document at least 12 phone calls which exceeded 6 hours in total ) When I demanded to talk to a supervisor they hung up on me. In short Citi wrongly charged my card, received refund from vendor and is now saying they didnt receive it and I must pay.

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 2020-04-10 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Recently I disputed an fraudulent inquiry on my report. They lady who disputed it was very rude and didn't listen she also disputed one of my credit lines that was purchased by me. I contacted the creditor and they told me that the same person who disputed it would have to be the one to undue it! I have paid for this credit line and did not tell them to remove the credit line off my report. If they will not remove the credit line dispute I will be forced to take legal action.

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I used to have BankAmericard back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask Bank of America to help me in my hard situation. Account number was. : 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 2020-04-10 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$6700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation