vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/2023 I filed a dispute with Experian about an inaccurate charged off account that was reported on my credit report from XXXX XXXX XXXX XXXX. I also mailed documents to Experian via Priority Mail to attach to my dispute and proof that XXXX XXXX XXXX XXXX violated the Fair Credit Reporting Act. 
It has been over 30 days and I was never notified or received investigation results on my dispute and when I checked the status of the dispute on Experian.com, it was deleted as if I never filed a dispute.

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 2023-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Purchased Border Collie puppy over internet. Sent payment via PayPal. PayPal placed hold on funds u til XX/XX/XXXX. We opened case to report as scam prior to funds being released but PayPal wouldnt hold the funds. They released to scammer anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: DISCOVER BANK
State: NY

Complaint narrative:
I called Discover to report my card lost. I told a representative from Discover to review a summary of charges before they send me new one. After reviewing an unauthorized charge for {$4200.00} was made to my account on XX/XX/XXXX. Days after it was lost which was XX/XX/XXXX. Discover initially removed the fraud charge of {$4200.00} from my account and sent me a new card. Over 2 months later I received a letter from discover with a request to called them. I immediately called in on XX/XX/XXXX to speak with a representative from Discover to answer questions about the charge. A week later they added the fraudulent charge of {$4200.00} back to my account on XXXX XXXX which is my birthday. My birthday was pretty much ruined by this. You would think they would side with the customer in this situation with charges uncharacteristic with my normal spending patterns. In situations like this the big banks can be unsupportive to the customer. Smaller credit unions are the way to go when it comes to support. Credit unions like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are usually accommodating to the customer. The big banks are a mafia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This is a debt now turned over to collection which the credit card company has written off - this is not my debt. My brother who was living with me at the time up to his death unknown to me, opened up and used credit cards with my social security information and address and other information. I did not learn of all this debt until his death in XXXX. I am XXXX years old and trusted that my brother was helping me with monthly bills and payments, not knowing he was using my credit information to obtain numerous credit cards and making charges. I have reported this as fraud and advised these charges are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I sent Experian a letter attempting to validated 3 collections accounts : XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX {$570.00} and XXXX XXXX  XXXX {$2800.00} and one real estate closed account from XXXX XXXX XXXX {$9400.00}. I let them know this was not mine debt and asked for the original documentation with my signature i.e. the original contract to verify this debt. Today XX/XX/2023 I was notified they have validated the debt yet they have not furnished the proof I requested. I also sent identifying documents to confirm my identity.

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 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: SC

Complaint narrative:
On XX/XX/, I mailed request to Discover Bank, to send me the disclosure pursuant to FCRA 6802 -see below : that was never given me any of the disclosure at the beginning of doing business nor didn't gave the the instruction to allow me opt out - nothing outlined in the term & condition that gave option for me to exercise my rights to opt out. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. 

Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt Out In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option Nothing of the above has been met from Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I have made several attempts with Apple Bank ( through Goldman Sachs ) to have my monthly payment lowered because I am unemployed and can not afford to make the payment. They have refused to lower the payment and have have threatened to report me to several credit bureaus. I have been trying to work with them but they have been unwilling to work with me. I have been adamant that I want to make a payment. I just can not afford the payment they are demanding. I have tried to work with at least 6 representatives with this bank to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I call it my bank because I wanted to discharge the debt but then they told me I couldn't discharge the debt on top of that I noticed that my interest rate went up 10 points. The interest rate went to 6.35 % to 16.35 %. They told me the reason why my interest rate window is because they couldn't find my title which eye by hand did everything for them and the whole banking and refinancing process because they were entirely too incompetent to do it on their own so I walked in through the step-by-step process on how to refinance a vehicle and I took the check to the other bank myselfThey told me the reason why my interest rate window is because they couldn't find my title which eye by hand did everything for them and the whole banking and refinancing process because they were entirely too incompetent to do it on their own so I walked in through the step-by-step process on how to refinance a vehicle and I took the check to the other bank myself. And now they're punishing me by overcharging me with interest and then they charge me twice a month for payments. I tried to discharge the debt and they disagree with me and said no I can not discharge my debt and pay it off. I feel I have been treated very badly and disgustingly by this federal institution and I need help with my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD Bank Business Credit Card XXXX was last used by me at a restaurant in NJ on XX/XX/2023. I live in New York and my card was used in Florida. I'm in fear that my card was cloned and the card was not used by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..

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 2023-03-11 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: TX

Complaint narrative:
This can not be correct. I've already paid this debt with another collection agency, and when I was close to paying it off completely, my debt went to another collection agency, and now the balance is {$1300.00}. My credit score has dropped XXXX points! I've worked really hard to increase my credit score over the last two years, and for this happen is appalling. 

XXXX XXXX XXXX XXXX XXXX Account # 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 2023-03-11 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: TX

Complaint narrative:
This can not be correct. I've already paid this debt with another collection agency, and when I was close to paying it off completely, my debt went to another collection agency, and now the balance is {$1300.00}. My credit score has dropped XXXX points! I've worked really hard to increase my credit score over the last two years, and for this happen is appalling. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX, XXXX  @ approx XXXX XXXX & several dates & times prior have called the phone number and gien the code to agents of Equifax as instructed on pop notice when I logg into my.equifax.com account. Agents ask for copy of my driver 's license & social security card with no futher explanation, agents refuse to email and/or send the request and instructions to me by email and or united states postal service. I advised the agents having problems with my writing functions and will need special assistance. Agents still refuse, I activate call recording and ask agent to give my the information verbally, the agents then become irrrate to me recording, I attempt to explain since the agent can not mail or email the request with instructions I need to record the information that the agent is only willing to give to me verbally over the phone, agent continues that if I'm recording the will disconnect the call, I then re-state my purpose so I have the information they are giving to me for use at later time so I can comply with thier requests for my driver 's license and social security card, I also remind the agent that they are recording the call. It's really strange that this company is refusing to provide their request in writing or willing to allow the verbal request to be recorded. The company is violating Americans with disabilities rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is a debt now turned over to collection which the credit card company has written off - this is not my debt. My brother who was living with me at the time up to his death unknown to me, opened up and used credit cards with my social security information and address and other information. I did not learn of all this debt until his death in XXXX. I am XXXX years old and trusted that my brother was helping me with monthly bills and payments, not knowing he was using my credit information to obtain numerous credit cards and making charges. I have reported this as fraud and advised these charges are not mine.

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 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I pay for parking and I thought the parking people were charging me twice but they investigated and showed me that it was only being charged to my account once a day for some reason my bank is charging me twice for a transaction this is not the first time Ive had a problem with BMO charging me for something or sending my money twice Im really getting fed up something needs to be done about this its my money

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 2023-03-11 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 have spent {$360.00} sending dispute letters ( 609 fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ). I am asking them to verify the collections on my account with an original signed signature from me to prove those collections are mine. They have failed to do so and i have 4 return receipts from each credit bureau with there stamp on it to prove they have received my letters in the mail. 

Dates they received my letters below : XXXX - XXXX, XXXX, XXXX, XXXX XXXX - XXXX, XXXX, XXXX, XXXX Transunion - 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 2023-03-11 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 have spent {$360.00} sending dispute letters ( 609 fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ). I am asking them to verify the collections on my account with an original signed signature from me to prove those collections are mine. They have failed to do so and i have 4 return receipts from each credit bureau with there stamp on it to prove they have received my letters in the mail. 

Dates they received my letters below : Equifax - 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 2023-03-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This account has been on my credit report for 8 years and it is far past the statute of limitations!!! They refuse to remove this account from my credit report and report it with new dates to keep it on my credit 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 2023-03-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I added a Membership Rewards bonus offer to my American platinum credit card and in XXXX XXXX the offer states spend XXXX, receive XXXX bonus points ( I have a screen shot of this offer ). I made a XXXX purchase on XX/XX/2022 and never received the bonus offer. I inquired about the bonus in XX/XX/2022 and was told I had to wait until the bonus offer expired ( XX/XX/2022 ), I reached out to Amex chat XX/XX/2022 and was told that there is a technical delay, no time frame, no ticket number, on when I would receive the bonus points. 

I have experienced this with AMEX membership points in XXXX regarding missing bonus points, have spent hours on the phone with representatives every few weeks to follow up and never given the earned bonus points. 

This is a scam the company is running, they are not following through with bonus point offers on their credit cards for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: IL

Complaint narrative:
My information is being traffic! YOUR FAILURE TO SEND MY CONSUMER REPORT AND ADD A SECURITY FREEZE has caused companies to now take my likeness, my personal, non-public information and assembling a consumer report that is supposed to reflect who I am all without my consent, all without my authority so now present I am unable to get credit cards, home loans, and suitable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CitiBank _ Best Buy Charged card. Called my ex husband telling him about my miss payment regarding my account which my ex husband is not a joint account holder. My ex husband repeatedly ask them not to call him anymore and that went on deaf ears.

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 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I'm a member of BJ 's wholesale club and have My Bj 's park credit card issued by the Comenity Capital Bank card number XXXX. 
A number of times I used this card not too much and I do the payment by auto pay connected with my checking account. 
On the last payment I became surprised when an amount of {$140.00} has collected from my checking account. Then I checked from very beginning of the date I started using the card and found in total i used the card {$560.00} but they collected {$660.00} from my checking account. In the middle I became default to pay because my checking account was hacked and to protect my account I stopped the checking account for a few days what I have inform them.You could see the statement here. So my request to you please check my paper and do the necessary to get the overpayment refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: FL

Complaint narrative:
I have submitted documentation to XXXX several times regarding the fraud account with XXXX and they keep putting it on my credit report. They said that they can continue to report the false information due to XXXX continuing to report it to them although I have already proven with Transunion the the account is due to fraud. 

XXXX collection account # XXXX I am a victim of fraud. I never attempted to live in Arizona, attached are my lease agreements to prove that I have always had an active lease in good standing in Florida, the same criminal also opened a XXXX XXXX  account in Arizona. Transunion continues to report information that is hindering my ability to find a home for my family although they are aware that this is a fraudulent account.

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