vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We had our wedding on XX/XX/XXXX and XXXX and although every other vendor we used was fantastic, the caterer was a really a disaster and many guests and ourselves really feel like they missed the mark completely. They made many promises and failed to deliver as they promised and reassured us. In fact, when we had a follow up call with them, they told us they had missed the mark and had fired staff as a result of poor performance during the event. They have also been banned from ever going back to the venue forever given their poor performance. 

The caterer agreed that money should be refunded but they deferred to Bank of America to figure out the reversal on the money that should be refunded. Unfortunately Bank of America refuses to refund anything despite both parties agreeing that money should be refunded. 

There were multiple problems on both days of the event. 
( 1 ) Food was to be served to us at XXXX XXXX  on XX/XX/XXXX. Food was not ready until XXXX XXXX. The start of the food timing was discussed and agreed upon in advance. 
( 2 ) Bar was to start at XXXX XXXX  on XX/XX/XXXX and did not start until XXXX XXXX. Agreed upon in advance and onsite the day of. 
( 3 ) Item 2c- Caterer will provide a staff of properly trained and experienced personnel to ensure satisfactory performance of the Services. As was evidenced by the fact that the caterer fired the bartenders after the event due to poor performance, clearly, they would also agree that staff was not appropriate ( 4 ) Item 4 The Caterer agrees to maintain a mild ( not spicy ), yet flavorful spice-level for all items on the menu. Universally individuals who attended said the food was too spicy and they could not tolerate it. 
( 5 ) On XX/XX/XXXX Food was to start being served starting at XXXX. Dinner was not served until XXXX XXXX. 
( 6 ) The fryer broke so food was not prepared on time and was delayed significantly. 
( 7 ) Both XX/XX/XXXX and XXXX there was not enough food, and it ran out. Many guests complained and left hungry ( including the wedding party ). 
( 8 ) Food was not put out for eating fast enough so people could eat it. 
( 9 ) Food was not prepared well. In my dish was half an eggplant raw which was not part of the menu. 

All services were supposed to be done properly and accurately on XX/XX/XXXX and XXXX. Because of the poor service this caterer is banned from the property and will never be able to caterer for the event space. 

We hope you can get Bank of America to do its 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 2022-09-18 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor ay not tdreat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: PA

Complaint narrative:
Credit inquires that does not belongs to me please see the list : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX  XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good afternoon, My Kohls 's credit account was closed in XXXX of 2022 even though I made the minimum payment of {$31.00} back on the due date of XX/XX/XXXX of 2022. I then receive an email stating that my new minimum payment would be {$60.00} even though it was submitted via Kohl 's website on XX/XX/2022. I then didn't make the payments for XXXX and XXXX as I tried to get this corrected with Kohls but never did. I then make the payment of {$200.00} to keep the account current on XX/XX/2022 which was due at the time, via debit card so the payment should've been processed right then. According to my bank XXXX XXXX XXXX, the payment was never processed or attempted to be processed by Kohls. Now I receive a letter stating the new minimum balance due is {$350.00} and my account has been closed. I feel cheated and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute with TRANSUNION about them reporting a bankruptcy on my credit report that does not belong to me. XXXX  list XXXX as the 3rd party consumer reporting agency that provided that incorrect information. I reached out to XXXX about that bankruptcy reporting after my dispute with them and XXXX sent me a letter stating that as of XX/XX/2022 they have removed my disputed bankruptcy information from my file. I have attached a copy of that letter to this complaint for your records. Please remove the bankruptcy listing from file and all accounts listing incorrect information from a bankruptcy. If this information is not removed with in 30 days of this complaint, as I am a litigious consumer and I will not hesitate to file a suit in court for damages per the Federal Credit Reporting Act.

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 2022-09-18 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: OH

Complaint narrative:
Fraudulent inquiries are on my credit report. Please have all fraudulent inquiries removed. 

Inquiry details XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18 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: OH

Complaint narrative:
Fraudulent inquiries are on my credit report. Please have all fraudulent inquiries removed. 

Inquiry details XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: OH

Complaint narrative:
Fraudulent inquiries are on my credit report. Please have all fraudulent inquiries removed. 

Inquiry details XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/22 I made a payment to my Bank of America HELOC ending in XXXX through their bill pay facility. The amount of the payment was {$540.00}. After a couple of days the amount wasn't credited to my account and I contacted the bank using their email portal. On XX/XX/22 I got a notice that the funds were applied to a closed HELOC I had and that a check would be issued and mailed to my address on record. On XX/XX/22 I got an email that a check was issued ( # XXXX ) and it would take 7-10 days. 

On XX/XX/22, ,I contacted the bank by phone and was told the check was still outstanding. The person said they put a stop payment on the check and issued another check. I was told that it would take another 7-10 days. Now it is XX/XX/22 and I have not received anything. 

I feel there is a problem at the bank and I need help getting my refund.

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 2022-09-18 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: PA

Complaint narrative:
Credit inquires that does not belongs to me please see the list : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5XXXX XXXX XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
the problem company robinhood brokerage will not close my account for the last 3 months.they asked me to veriy me i have done that same email more to verify i just want the account closed and mail me my funds of balance im no sendimg anymore infomation to them close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
A charge of XXXX dollars on XXXX was disputed with Venmo. There is a charge of XXXX dollars on XXXX that I DID initiate. The intended receiver received the XXXX dollars sent on XXXX, but did not receive the XXXX dollars that was charged from my bank account on XXXX. My Venmo account shows the valid transaction of XXXX dollars from XXXX, but the XXXX dollars that was charged on XXXX does not show on my Venmo account. I was provided a temporary credit of XXXX dollars by Venmo. Venmo denied my claim even after I provided a bank statement and screen shots of my Venmo account showing the fraudulent charge of XXXX dollars on XXXX. Venmo rescinded my XXXX dollar credit and has stopped all communication regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have a world elite mastercard from HSBC USA. I enrolled in Auto-pay on my account. I checked back on my account later and noticed that my payment was not submitted according to auto pay schedule despite auto pay being enrolled. 

I then called HSBC customer service. The customer service rep said that he recommended that I still manually check my account on the payment due date because sometimes auto-pay does not submit the payment for the first few cycles ... despite the auto-pay disclosure stating that it would submit on the next due date ..... I was charged with over {$100.00} in interest and late fees very clear false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I have tried countless times to get a solution and they require you to have a certain income in order to give you one!! i dont have any money! I dont have a phone! How the XXXX am I supposed to talk to a representative and NONE of their contact forms work for people in my situation. They have absolutely no customer service available to disadvantaged customers! They say talk to their XXXX? They tell me nothing! They say call in! i explain I have no phone. They say nothing back! Secure message center?? Whenever you select the right options, it says call this number! There is no actual support!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: Nelnet, Inc.
State: SD

Complaint narrative:
My loan was transferred from XXXX to Nelnet back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the XXXXXXXX XXXX  back in XXXX at XXXX percent interest. Under the current law, my credit shouldn't be affected at all. Nelnet keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: OH

Complaint narrative:
There are fraudulent inquiries on my credit report. Please remove them. 

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 non-monetary relief
Consumer complaint received 2022-09-18 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 did not consent authorization of this account. This information is inaccurate and affecting my livelihood due to the furnishing of this report.

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 2022-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ON AROUND XX/XX/2022 I DISPUTED INACCURACIES AND INCONSISTANT ACCOUNTS SHOWING ON MY CREDIT FILE BY THE CREDIT REPORTING AGENCIES, I ASKED THEM TO VERIFY THE ACCURACY OF INFORMATION AND SEND PHYSICAL PROOF OF VERIFICATION PROCESS. THEY HAVE FAILED TO PROVIDE ANY SUCH PROOF AS WELL THEY'RE CONTINUING TO REPORT INACCURATE INCONSISTANT INFORMATION. 
ACCORDING TO THE FCRA THEY MUST REPORT 100 % ACCURATE INFORMATION, OR UNVERIFIED AND INACCURATE REPORTING MUST BE DELETED. DUE TO THEIR NEGLEGANCE I'VE BEEN UNABLE TO OBTAIN ANY CREDIT, EMPLOYMENT, AND HOUSING.

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 2022-09-18 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: OH

Complaint narrative:
There are fraudulent inquiries on my credit report. Please remove them. 

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 explanation
Consumer complaint received 2022-09-18 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: OH

Complaint narrative:
There are fraudulent inquiries on my credit report. Please remove them. 

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 non-monetary relief
Consumer complaint received 2022-09-18 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: CITIBANK, N.A.
State: MS

Complaint narrative:
After numerous problems using the credit card, I am now unable to use rewards Citi promised me for using its card. I receive the following message when I attempt to use the awards after logging into my account : You must be the XXXX Account member generally the Citi primary cardmember or primary signer on the enrolled Citibank checking account to access the associated XXXX XXXX Account from this website. XXXX Account membership and Points redemption are subject to applicable Terms & Conditions. 

I chatted with Citi customer service after being on hold for XXXX minutes. They told me they couldn't help me.

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 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
My checking account was hacked and {$400.00} was sent through XXXX in an unauthorized transaction. I notified Wells Fargo right away and were told that I was lucky it was only {$400.00} because people are losing thousands through XXXX scams. The bank started an investigation and sent us the attached letter saying their records indicated that I initiated the transfer but they would notify XXXX of the scam. I have never sent money through XXXX and my phone number is not authorized to do so. They have no answer for me as to why they acknowledged it was a scam, but are saying my account is not protected from fraudulent unauthorized online transactions. They also suggested that I call the persons number and ask for my money back since neither financial institution is responsible for crediting me the money back. I have tried to work this out with Wells Fargo to no avail and will be contacting our news stations investigative reports because this is happening a lot in our area and the banks are not being very helpful.

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