vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had made a payment of {$240.00} on XX/XX/. I was told it would take a couple days to clear. To this day, XXXX XXXX XXXX my available balance has not reflected this payment. The bank was charged a day after payment was made and the payment shows it went through through the credit card 's online services. I made several calls. At first I was told it would take a couple days. So I called five days after the payment was made and I was told it would take 5-7 business days and the reason it would take this long was because I made several payments in one billing cycle. I called last week and was told it would take two weeks so by the end of the week ( today, XX/XX/XXXX ), my balance should reflect payment. I was told in order for it to clear before the date, I needed to have a conference with my bank. The representative I called on TuesdayXXXX XXXX XXXX XXXXXXXX said he couldn't complete the conference because there's a lock on payments that not even a supervisor can override. I called today, XX/XX/XXXX, and had a conference with my bank, but the representative was only able to reflect my most recent payment which was {$40.00} made on XXXX XXXX XXXX, posted through my bank account XX/XX/. So when I called back again, a different representative told me the {$240.00} payment had a 15-day hold on it. The only way to clear before then was to have a conference with the bank. However, the call where I had a conference with the bank mentioned both payments ( {$240.00} and {$40.00} ). So I told the representative I already had a conference and mentioned both payments posted. He just kept saying it should clear by tomorrow, XXXX XXXX XXXX. When I asked him why this hold took place, he couldn't give me a direct answer. And when I asked him how to avoid this from happening again, he kept saying to have a conference with my bank and was assuring me it actually wouldn't happen again. When I asked him how this hold would be any different from any future ( potential ) hold he said, " Very good question. You see, Target- '' and he disconnected the call to avoid giving me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I opened a quick sliver Capitol one card and the one that was on their website said no annual fee so I applied for the Quick silver and For someone reason the website gave me the Quick silver one witch has an annual fee they are look the same color and brand so I called them to ask them to wave the annual fee they wont do that and they dont swap the card out for another card that has no annual fee. So customer service said to apply for a different card and My credit score is XXXX and they keep denying me. So now I have a capitol one card that has an annual fee that I did not know it had one tell after I applied and the bank wont swap it out or wave it for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bought XXXX ( XXXX XXXX XXXX ), paid via Bank of America XXXX payments ( {$250.00} and {$200.00}, sent separately on XXXX  ) to scammer 's XXXX XXXX XXXX XXXX account ). Seller initially listed phone on XXXX. Was not able to complete purchase because XXXX required additional documents from Seller - who later contacted me via email. 

Seller and her mother - residents of XXXX XXXX, Texas - lied and never sent the phone. They bought/downloaded USPS shipping labeXXXX so they could provide tracking # but never actually handed the package over to USPS. USPS tracking # shows " Label created but not in system ''. 

Filed complaint with Bank of America, XXXX Payment Dept. on XXXX Mailed hard copy of email exchange between victim and scammers to Bank of America, XXXX Payment Dept. on XXXX forming part of record of of complaint. 

Also filed complaint with XXXX XXXX  Texas XXXX XXXX. on XXXX On XX/XX/XXXX, XXXX XXXX XXXX called and advised me to ( 1 ) file formal complaint with FTC and ( 2 ) local Police Dept. FTC site also suggested filing complaint with CFPB - since Bank of America refused to refund scammed amount.

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed wrong information on my credit report for XXXX and XXXX. Such as my birth year and last name. My birth year is XXXX not XXXX and my Last name is XXXX not 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 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I opened an Ally Bank account to take advantage of the {$200.00} welcome bonus and to try the bank out. I met the direct deposit requirement, which they have confirmed multiple times. This was on XX/XX/. I was supposed to receive the bonus within 30 days. It is now close to a month later. I have called multiple times, been told its escalated, been told by their XXXX account I would be contacted, etc. I have not been. They only tell me its a busy promotion. Thats ridiculous. They have failed to live up to the agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed wrong information on my credit report for XXXX and transunion. Such as my birth year and last name. My birth year is XXXX not XXXX and my Last name is XXXX not 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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed wrong information on my credit report for equifax and XXXX. Such as my birth year and last name. My birth year is XXXX not XXXX and my Last name is XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently submitted a request to investigate the disputed account, Since I believed that the Experian Credit Bureau didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the Experian CREDIT BUREAU investigation was done improperly, the Experian Credit Bureau must update or remove the listed account from my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00}

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
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
EDD in CA approved payment for unemployment insurance in XXXX. Bank of America EDD debit card never mailed the card for payment. They claim that EDD requested a freeze and asked to call EDD. EDD said to call Bank of America for my payment and an email was sent to BOFA from EDD to authorize the payment.

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on 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 2023-11-18 00:00:00
Product: Credit reporting 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to address a severe issue of identity theft that has recently come to my attention. An account ending in XXXX, linked to Amazon XXXX Credit Card, was opened using my personal information without my consent. I unequivocally state that I did not authorize the opening of this account. This letter serves as a formal demand for immediate action. 

Details of the Fraudulent Account : Account Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Outstanding Amount : {$1500.00} Assigned to Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Georgia XXXX . 
Phone : ( XXXX ) XXXX Purchase Date on Account : XX/XX/XXXX My SSN ( Last Four Digits ) : XXXX Given the information above, it is evident that this account is a result of fraudulent activity. Therefore, I insist that Chase Bank immediately close this account, absolve me of all associated charges, and expunge all information regarding this account from my credit files, credit history with XXXX and credit reporting agencies.. 

Enclosed is my Identity Theft Report [ FTC Report Number : XXXX ], substantiating the illicit use of my identity. Additionally, this letter, along with the Identity Theft Report, serves as a formal notification under the Fair Credit Reporting Act, mandating Chase Bank and the associated collection agency to cease reporting and furnishing information resulting from this identity theft to any credit reporting agency. 

Also enclosed is the CFPBs Notice to Furnishers of Information, outlining your legal responsibilities in this situation. I expect a comprehensive investigation into this matter and prompt corrective actions. Please inform me in writing about the steps you have taken to resolve this issue. 

In addition to the actions requested above, I require a written confirmation from Chase Bank stating that : The fraudulent account is not mine. 
I am not liable for any debts or charges associated with this account. 
The account has been removed from my credit report. 

In addition to this complaint, I have mailed out a letter with enclosures via certified mail as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
BRIDGECREST CREDIT C XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am financed with XXXX XXXX XXXX and my report score has gone down XXXX points because bureaus are reporting my vehicle balance increased around XXXX and payment was made as agreed which should be reported as a decreased balance. Also reporting for XXXX is not showing on XXXX, and Equifax. Please update report with accurate current information and adjust scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am financed with XXXX XXXX XXXX and my report score has gone down XXXX points because bureaus are reporting my vehicle balance increased around XXXX and payment was made as agreed which should be reported as a decreased balance. Also reporting for XXXX is not showing on XXXX, and XXXX. Please update report with accurate current information and adjust scores.

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 2023-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My name is XXXX XXXX, I am a Paypal customer with email address XXXX I have used PayPal for a while without issues but recently PayPal put my account on limitation and asked for ID, bank statement, proof of address and other things which I submitted After I submitted, PayPal told me on the secured website that they will review my information and unlock my within 1 business day, but the whole situation has taken over 13 days and PayPal has forgotten that they needed to unlock my account. 

I want PayPal to fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXXXXXX XXXX, it was a XXXX XXXX XXXX. The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my FICO scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXX XXXX, as gospel in the industry. I believe that the XXXX XXXX model is flawed because it does not take into account situation.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 non-monetary relief