vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Had a car rental for about 2 months, I went in to extend my rental for {$360.00} dollars and was flagged for suspicious activity, I called to confirm it was me and the problem persisted ultimately resulting in Bank of America blocking my card for an entire month, flagging each and every transaction as fraud despite me calling and having the block lifted. Now a month has passed and my card has been charged {$2000.00} which has put my account in the hole, I have tried reaching out about resolution and I was originally told that the bank was making sure I even had the funds, which is absolutely absurd, it's my money and my account. I have been told it is my problem that I used my card during this period and I should just fork over a credit card. I have 2 checks now that I will not see due to my bank taking it entirely, I wouldn't have been put in this position had they not flagged my card repeatedly and then blocked it, also begs to question why it was denied for {$360.00} but authorized for {$2000.00} and that was not flagged as fraud?

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent a dispute letter to XXXX, Experian, XXXX to remove negative items.XXXX, Experian, XXXX then removed some negative items but not all. A couple weeks later these negative accounts were reported back on my reports inaccurately

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 2022-02-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had XXXX personal credit cards with Capital One back in XXXX. In XXXX of XXXX, I applied for a Business credit card for my business. Less then a month later, Capital One placed A fraud restriction on all four of my credit cards. I called and they advise I needed to send in proof that I have a legitimate business. I sent in my states sellers permit, my taxes, bank statement, & LLC at least twice a month since XXXX of XXXX ( and still sending currently ) proving I have a legitimate business. I faxed them all the documents they asked for including uploading them from a link they sent me. They advised it takes 7-10 business days to receive and review the information and my case manager will give me a call. Ive been calling THEM twice a month since XXXX of XXXX and every representative I speak with say, XXXX going to email your case manager and make sure they call you. Ive never received a phone call, email, letter, nothing since XXXX of XXXX. XXXX of XXXX, I checked my credit report and saw Capital One closed all XXXX of my personal credit cards which had nothing to do with the business credit card. I spoke with a manger on XX/XX/XXXX. He advised well the case manger who has your account no longer her works for the company. Ive been trying to get this resolved for a whole year and my accounts have been closed out due to there mistake. This is still an ongoing situation a whole year later and nothing is still being resolved. My payments have been on time every month, they keep saying we will send a document link every few months even tho they are confirming they are receiving my faxes but nothing is getting processed. XXXX still paying on all four credit cards that I can not use and this matter is still revolving a year later with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a incorrect Bankruptcy reported only on my Experian Account. I have made numerous attempts to get them to remove this account and they are refusing to remove it. The have been advised by the XXXX XXXX company that they use that this is not my account and they are still refusing to remove the account. I need help with getting Experian to remove this erroneous account off of public record from my 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 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/22, I sent Suncoast Credit Union a letter that they received on XX/XX/22 certified mail regarding my utilization. I gave them 10 days to correct the accounts and respond, and I have not heard back anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: PA

Complaint narrative:
Hello My Name Is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello My Name Is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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: FL

Complaint narrative:
y name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Fidelity Services, LLC
State: CA

Complaint narrative:
Company is trying to collect on a debt that is over XXXX years old. IN CALIFORNIA, THE PERIOD TO COLLECT ON A DEBT IS 4 YEARS. I AM XXXX YEARS OLD AND ON A FIXED BUDGET

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On XXXX I took a loan from NET CREDIT. They directly deposited {$3800.00} into my bank. To date XXXX I've made 53 payments totaling {$5200.00}. The amount owed as of XXXX was {$3600.00}. The maturity date of the loan is XXXX where the total amount will be {$8900.00}. With a 235 % interest rate. That was not disclosed to me. This was the second loan I used NET CREDIT for. I paid off the first loan early so I didn't see any outrageous interest. I read an article that named them as the worst lender in VIRGINIA for over charging in hidden interest. They apparently don't disclose the total amount at maturity with the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX of XXXX, I received a call from Wells Fargos number. I answered it and immediately a man who claimed to work in Wells Fargo fraud department started speaking. It all seemed so real. He told me that my account had been flagged due to a {$3000.00} transfer between by account and the XXXX XXXX XXXXXXXX in XXXX. He asked me if I had initiated this transfer and I informed him that I had not. He started walking me through the steps of XXXX and was saying I had temporary credits on my account and would have to send those credits to receive my funds back. He had me add the recipient as my name, XXXX XXXX, and my own phone number so I was under no impression that this was a scam. He induced me to send {$900.00}. Once I sent the money, I saw my bank account was completely drained. I immediately called Wells Fargo, it had not even been an hour later. They filed a claim and said I would be receiving my money back in 10 buisness days. I am a XXXX XXXX XXXX college student and really do not have {$900.00} to spend. This devastates me. I called last Thursday, XX/XX/XXXX to ask about my funds. A gentleman informed me I would be seeing those back in my account by Friday, XXXX. I was not too worried because I have been a customer for years and assumed they would help me. I called today on XX/XX/XXXX since the funds were not yet back. I was on the phone for three hours and transferred to XXXX different people. None could help. They informed me my claim had been denied since I authorized this, so there is technically " no scam or fraud ''. They also informed me that they could not reopen the claim because it would be immediately closed again. I am so upset about this. I am completely broke and I trusted Wells Fargo with my money and with helping me get it back. I have heard of several people going through this and Wells Fargo has reimbursed them. I think it is unfair that I was told I would be helped and would receive those funds back and yet no one is helping me. I was told by representatives that they do not have control over XXXX, but Wells Fargo is one of 7 banks who owns XXXX so I don't understand. I feel that I should be protected under the Electronic Fund Transfer Act ( Regulation E ) and feel hurt that my bank is not helping and saying that this is basically my fault. I was under the impression that I was speaking to them and I did not just spend {$900.00} for fun. I would never just spend that amount, I don't have the funds to be spending that. That is a solid months rent right there. I'm struggling and I feel like no one at their bank is assisting in helping me with this case or helping to get my money back.

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 2022-02-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I consumer did not consent too nor authorize these inquiries that are reporting to my EQUIFAX consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from EQUIFAX. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via XXXX certified mail. How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. EQUIFAX humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If EQUIFAX can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Equifax let concur on my consumer report. EQUIFAX stole my identity and sold my private information without prior consent. I have a right to privacy and Equifax violated my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: MI

Complaint narrative:
XXXX practices predatory lending practices and charges Usurious Interest Rates ( 446 % ) in the State of Michigan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Cell : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
i have filed a dispute as well as proved the XXXX XXXX report to all 3 bureau 's as that was all 3 buerau 's method of verification and they have failed to contact me back or remove it, i have proof all 3 bureaus received the information as it was all sent certified and i have enclosed the tracking as well as the address provided on the bureaus per their websites and when i called all 3.

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 2022-02-10 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: PA

Complaint narrative:
I have sent a dispute letter to Transunion, XXXX, XXXX to remove negative items.Transunion, XXXX, XXXX then removed some negative items but not all. A couple weeks later these negative accounts were reported back on my reports inaccurately

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent a dispute letter to XXXX, XXXX, Equifax to remove negative items.XXXX, XXXX, Equifax then removed some negative items but not all. A couple weeks later these negative accounts were reported back on my reports inaccurately

Company response to consumer: Closed with explanation