vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express date open XXXX, XXXX charge off {$1600.00} wittten off for {$630.00} as of XX/XX/XXXX by American Express. This account was paid by fraudulent checking account open on my name American Express disregard to help remove from credit profile I would like American Express to file a 1099c to remove this debt thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
All my credit inquiries are using an old physical address that I need to have changed to my po box as I am a XXXX XXXX XXXXXXXX veteran and can only utilize this po box at this time for the Safety of receiving future Credit card offers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: CBC Companies, Inc.
State: OH

Complaint narrative:
Hard to cry was poured on my credit report that I did not give permission to do I have tried to resolve this situation for the last couple of weeksAnd it is still happening XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
3 months ago venmo frozen my account. I gave them everything they asked for and they permanently deactivated my account and wont give me my XXXX $ back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
We started having issues paying our mortgage online in XXXX of XXXX. In XXXX my payment was reversed, which I was not aware of until the end of the month. I had seen it pend in my account and assumed it was processed as it always has for the last 4+ years since no account or banking information had changed. When I called to inquire why my account was showing past due, I was told to contact my bank since they reversed the payment due to not locating the account. The lady I spoke with told me they would put a hold on my account while we sort this out so that I wouldnt incur late fees or get sent to collections, that was a lie. 
When I reached out to my bank, they showed no record of this. I did find somehow my account numbers had been changed on Calibers end to a number I did not change it to or recognize. After updating the account information to the correct numbers, I attempted to make a payment again with my checking account as I always have and it pended again, but, this time I watched it and saw Caliber showed it reversed again even with accurate routing and account numbers. I then tried paying with my debit card. I saw this money removed from my account so assumed the issue was resolved. When I logged on to find tax paperwork and make a payment, I saw that Caliber shows this as reversed again, however, this money was still missing out of our account. I had to work with my banks fraud department to get this money back since Caliber couldn't tell me where it went. I've tried making 7 payments in the last 4 months and only two have applied. Twice my money has gone missing even when shown " reversed ''. Their website is also misleading. When I log on it does not show the accurate information on payments or how many are missing. It currently shows we are only missing 1 payment from XXXX when I believe we are technically missing 2 at this point since it's been 5 months now and only 2 ( hopefully 3 ) have actually processed. The 2 that have processed were paid in the same way I have attempted to pay 5 times, which is the way we made payments the last 4+ years.

Caliber has made no effort to help resolve this issue. I've tried their service line, I submitted necessary documents for an " account review '' which was 8+ weeks ago and I've heard nothing from Caliber. I've even tried going to a physical location, but no one was there and they won't return my messages. This is an issue on their end that they won't help us resolve, instead they have sent us to collections and threaten foreclosure when we have been trying everything on our end to make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: TX

Complaint narrative:
Pursuant to the Fair Credit Reporting Act U.S. Code 1681s-2, you have a duty to provide accurate information, and you are prohibited from reporting information with actual knowledge of errors.I, the consumer, have previuosly notified the consumer reporting agencies ( Equifax, XXXX & XXXX XXXX about the erroneous reporting via the following : certified mail starting on on XX/XX/XXXX and via previous " multiple '' CFPB complaints ... as well as the CFPB complaint filed on today, XX/XX/XXXX. You are electing to continue to violate my consumer rights. 

Pursuant to FCRA U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting Pursuant to FCRA U.S. Code 1681s-2- the information is in accurate Pursuant to the FCRA U.S. Code 1692e- the information is false and misleading Pursuant to FCRA U.S. Code 1681b-I did not give written permission to furnish this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: United Collection Bureau, Inc.
State: SC

Complaint narrative:
One year ago, I took a fall in a parking lot and caused significant damage to my XXXX  and XXXX XXXX. I was taken to the Emergency Room at XXXX XXXX XXXX, XXXX XXXX, NC. The XXXX XXXX company was responsible for the bill and they negotiated a price with the hospital, the bill was paid, however not before it was turned over to collections. The collection process is being handled by the United Collections Bureau in XXXX, Ohio. 
I have provided clear documentation to both XXXX and the United Collections Bureau and have disputed this report on my record several times to no avail. They appear to be ignoring the evidence and continue to have fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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:
15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Wrong accounts : 1. US DEPT OF EDU XXXX XXXX DEPT OF EDU 3.XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Inquiries : XXXXXXXX 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  15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-01 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: GA

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Wrong accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Inquiries : XXXX. XXXXXXXX XXXX XXXX  XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-01 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: CL Holdings LLC
State: TN

Complaint narrative:
In accordance with the fair reporting act XXXX account XXXX XXXX XXXX has violated my rights. 15 USC SECTION 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-01 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Hard to cry was poured on my credit report that I did not give permission to do I have tried to resolve this situation for the last couple of weeksAnd it is still happening XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Wayfair advertising a store credit card that offered a choice between 5 % back or up to 24 months interest free financing on purchase. 

When I went to purchase my products ( I was logged into my account with my Wayfair store credit card attached to it ) in the steps during checkout, Wayfair advertised that I was eligible for a 24 month no interest financing at the amount of my purchase ( approximately {$13000.00} ). I checked for fine print ( of which there had been none in the entire checkout experience ) to see any other details but found none. So, I checked out using my Wayfair store credit card. 

To my surprise, it was rejected. When I called to ask why, it was because the amount of my total purchase ( even thought it was to be financed ) exceeded my credit limit ( approximately {$3500.00} ). Despite no monthly payment exceeding my credit limit, I was inelgible according to the customer service representative. I escalated my complaint, submitted screen recordings of the process and challenged what I see as false advertising of a promotion. Wayfair, during checkout, clearly stated that I was eligble for this promotion at the amount of my purchase. Note this wasn't a print ad or an estimate in an email. These terms were within the checkout process, one that had my card information ( and thus my credit limit ) included along with all of my contact information. Within my email to Wayfair, I asked for an update on a how this will be fixed asap for other shoppers like me, and never heard back. 

One last point, all of this took place on " way day '' - wayfairs biggest sale of the year with deals and discounts that aren't available the rest of the year. 

I have not recieved any contact from the company. 

Please note, I have a longer screen recording, but can't share the file due to its size. Happy to follow up with that over email, etc.

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 2022-05-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX still has my credit report im collections. This account has been paid in full and settled. I was told that this account would be removed from equifax report but it's still there. The amount of debt was {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Kriya Capital, LLC
State: VA

Complaint narrative:
XXXX, XXXX, XXXX FRAUD Account # XXXX Credence Resourse Management I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction. 

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish any information relating to a Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CCS Collections has my debt listed on XXXX report, this amount of {$130.00} was paid with the intention of having this item removed from my report, but is still reporting to XXXX. When thjs account was paid, the company had promised to remove but they haven't.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- Sent Letter XX/XX/2022 It is over 90Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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 2022-05-01 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: NJ

Complaint narrative:
XXXXXXXX XXXX has my debt listed on equifax report, this amount of {$130.00} was paid with the intention of having this item removed from my report, but is still reporting to equifax. When thjs account was paid, the company had promised to remove but they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
I used the XXXXXXXX XXXX feature with Chime ( XXXXXXXX XXXX  ) on Thursday XX/XX/2022 and tried sending money to my sister in law for rent, it was in the amount of {$650.00}. I did this in the month of XXXX as well. As normal I put her name in the search button it populated and I sent her the money. The money was automatically deducted from my account but it never went to my sister in law. It went to a gentleman named XXXX XXXX who I do not know at all. Some how his chime tag got on my sisters in laws name. With in 3 minutes of the transaction I called chime to dispute the transaction as I do not know the person that received the money and it took less than XXXX hours for them to tell me the dispute was closed as they did not find any evidence of wrong doing. I then called them again and they said I would have to send more evidence to reopen the dispute. I sent them screen shots of my sister in laws name as I input in the search bar and a screenshot of when I put the amount I was sending her which still showed her name. With in less then XXXX hours they told me it still was not enough evidence. Now this person who I dont know XXXX XXXX has my money and Chime will not return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: VA

Complaint narrative:
XXXX, XXXX, Transunion FRAUD Account # XXXXXXXX XXXX XXXX XXXX I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish any information relating to a Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of Trans Union not complying with the consumer law if not remove immediately I will be filling for damages with the law

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 2022-05-01 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: VA

Complaint narrative:
Experian, XXXX, XXXX FRAUD Account # XXXX XXXX XXXX XXXX I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish any information relating to a Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law

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