vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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: AES/PHEAA
State: FL

Complaint narrative:
I have LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I currently had sold my home and was going to purchase a new build home and wanted to put the money in a " safe place '' while the construction on the new home was being completed so I opened a CD account with Comenity online bank for {$140000.00} that was funded from my regular bank account on XX/XX/XXXX. My plans changed and I found a new build house that was available now and made an offer on that property and needed to close the CD in order to put a down payment on this house. I called their customer service as soon as I knew of this change on XX/XX/XXXX to request information on how to take a penalty and close my CD with them. I was given the information on the penalty, and was told it would take 3-5 business days for them to send the money back to my original account. I requested that the account be closed on XX/XX/XXXX. The closing on my new property was scheduled for today XX/XX/XXXX. They still have not completed this transaction. They have an online messaging system that I have sent 10 messages inquiring about the status of this account and the only response I have received is that it is " under review ''. I have called their customer service line daily starting on XX/XX/XXXX since I was getting no response on their online messaging system. I have spoken to several members on their customer service team and their " escalation '' team. I have asked to speak with a manager, director, supervisor and have been told that they do not take direct calls. Multiple customer service agents have assured me that the account has been escalated, however when I called yesterday on XX/XX/XXXX the customer service person I spoke to said she could not see notes that my account has been escalated. I contacted the bank again today XX/XX/XXXX and the customer service rep told me that my only next step might be to write a letter to their corporate office and was unable to give me any further information regarding my account. 
As a result of this, I have had to scramble to try to find other ways to fund the closing of my home. It is a very disconcerting thing to put your money in a place for safekeeping just to feel like you need to actually be protected from the financial institution itself. I would want other consumers to know that this bank does not make good on the information they give you, and will not transfer your money to you even in the case of an emergent situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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 recently got a copy of a credit report because I was wanting to purchase my first home. Upon checking my credit report I saw several unusual accounts and addresses that were not mine. I contacted the companies and also the credit bureaus with no success. I am listing the fradulent accounts as well as dates and addresses that arent not mine below. 

Company : XXXX XXXX Account # XXXX Dates:XXXX Amount : {$30000.00} Company : US DEPT ED Dates:XXXX XXXX : {$990.00} Company : US DEPT ED DatesXXXX Amount : {$1000.00} Company : US DEPT ED Dates:XXXX Amount : {$1300.00} Company : USDOE/XXXX Dates:XXXX Amount : {$3200.00} Company : XXXX  XXXX  Dates:09/30/2008 Amount : {$3500.00} Company:06 XXXX XXXX XXXX Dates:XX/XX/XXXX Amount : {$210.00} Company:6 XXXX XXXX XXXX COMPANY Dates:XXXX Amount : {$56.00} Company : US DEPT ED Dates:XXXX Amount : {$1100.00} Company : USDOE/XXXX  DatesXXXX Amount : {$3400.00} Company : US DEPT ED Dates:XXXX Amount : {$3100.00} Company : US DEPT ED Dates:XXXX Amount : {$1800.00} I am also disputing the credit inquiries that are credit report. I am listing the accounts dates. 

Company : XXXX Date of Inquiry:XXXX Company : XXXX Date of Inquiry:XXXX Company : US SM BUS ADMIN ODA Date of Inquiry:XXXX Company : XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX  Date of Inquiry:XX/XX/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 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I was told by XXXX XXXX XXXX that if I signed up for monthly pet insurance through them I will not be charge for neutering my dog since it will be included in the insurance and it will be covered. after the surgery they did not charge me for the monthly cost and only charged me around {$700.00} for the surgery. I did not agree to it and they lied about the cost previous to the procedure.

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 2021-10-15 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: TX

Complaint narrative:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information and applied for this

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 2021-10-15 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: TX

Complaint narrative:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TX

Complaint narrative:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 explanation
Consumer complaint received 2021-10-15 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: AL

Complaint narrative:
Equifax is reporting un-verified accounts on my credit report.I have no knowledge of these alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: PA

Complaint narrative:
I disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

Transunion - XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021

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 2021-10-15 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: PA

Complaint narrative:
I disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Equifax - XXXX XXXX XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I never authorized any company to get my credit information. I did not ask for car companies to get my credit information. I did not ask for anyone to obtain my information. I have a credit freeze and protection 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 2021-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Vehicle lease was paid off and vehicle was purchased. Payment was sent in priority mail. Check was stamped by Chase Auto on XX/XX/XXXX. I contacted Chase and they could not locate check. After waiting another 10 days, check was deposited by Chase. I was promised that the title would be sent within 2 business days. As of the mail today, XX/XX/XXXX, still have not received a title or vill of sale. Chase will not provide any proof that title or bill of sale was sent. Chase claims title was sent on XX/XX/XXXX but will not provide any proof. Chase says have to wait an additional 30 days to get another title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Prior to making my payment on XX/XX/XXXX I contacted Ally Bank. I was transferring the loan to my credit union for a lower interest rate and the due date was coming on XX/XX/XXXX, when they didnt receive the payoff they advised me to go ahead and make a monthly payment to avoid a late fee. I made my payment on XX/XX/XXXX and my credit union paid off my auto loan ending in XXXX on XX/XX/XXXX. 
Ally bank owes me {$1000.00} refund. My first call to Ally was on XX/XX/XXXX I was advised that my check was mailed that day, but due to a storm in Louisiana, my check could be delayed in the mail by up to 2 weeks. 
I called back on XX/XX/XXXX when I didnt receive my refund and was advised that the refund was still pending because it was over {$1000.00}, it needed some type of approval. The advisor I spoke to was going to escalate and have someone give me a call back. That never happened so I called back again on XX/XX/XXXX and spoke to a advisor and then was transferred to XXXX on the customer solution team. XXXX also saw the refund pending and supposedly sent an email and promised me a call back on XXXX. No one ever called me. 
So on XX/XX/XXXX I called and spoke to XXXX and XXXX XXXX id number XXXX  ). I was advised it could take 30-45 days for a refund. I was promised a call back with a XXXX  XXXX tracking number for my refund check. 
Now today XX/XX/XXXX I called and talked to XXXX ( id XXXX ) and XXXX XXXX id XXXX ). Now XXXX tells me they have a man-power issue and refunds can take 55 days. I requested his XXXX and was placed on hold for an hour and never talked to anyone. I was transferred to an automated survey which I completed and advised that I was very dissatisfied. 
I have spent countless hours on the phone with numerous agents trying to get a refund that I owed. Since they record their calls, I would love for someone to go back and review all of the interactions on my account. You better believe if this was reversed ; I owed Ally money, they would be charging me fees and interest until they got their money!! But they could care less if their customer needs the money Ally owes. 
I guess next time I call they will tell me the refund processing time is 75 days??

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 2021-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is reporting un-verified accounts on my credit report. I have no knowledge of these alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

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 2021-10-15 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have an active Citibank issued credit card account with Best Buy that I have maintained in good standing for 5 years. I use the credit card on a regular basis. On XX/XX/2021, I visited Best Buy # XXXX in XXXX MD and planned to use my Best Buy CC account for a purchase. The employee who assisted me informed me I needed to verify and update some of the information on file for the account, including my income and address. I was told this was a regular SOP that best buy did on credit card accountholders. To verify my identify the best buy employee asked for my social security number- I re-stated that I already have a Best Buy credit card and wanted to make sure he was only updating my income and other particulars on the account, I did not need a new, second Best Buy credit card account. The employee confirmed my statement- and assured me the SSN was only required to update my account information. 

The following day, XX/XX/XXXX, I received word from my credit monitoring subscription that a hard inquiry had been added to my credit report due to a new credit account request from Best Buy-Citi. I contacted Citibank who advised me that a new credit card account was initiated by Best Buy on XX/XX/XXXX. I spoke with Citibank Disputes office asking that the hard inquiry be deleted from my credit report. On a subsequent call, Citibank referred me to Best Buy since it was Best Buy that initiated the transaction, and Citibank is only the CC issuer. I visited Best Buy in XXXX on XX/XX/XXXX and spoke with a manager, XXXX XXXX, who referred me back to Citibank to since Citi is the bank of record and card issuer. Then I recontacted Citibank who restated that resolution of the issue falls to Best Buy since their employee initiated the unauthorized event. 

I did not consent to having my credit report checked and for no reason would I have needed a second Best Buy credit card, when I already have an Best Buy credit card. The Best Buy employee on XX/XX/XXXX misled me and performed a credit inquiry without my consent. Efforts to gain resolution with Citibank and Best Buy since have been unsuccessful.

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 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I need help, I paid off my SYNCB credit card and now this collection agency XXXX is after me for the same debt. I need help this account has been resolved. I do not know where my money went to with SYNCB but it cleared my account with them. Please help

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 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I have been trying to stop a company called Money lion from reporting a fraudulent account on all three of my credit bureau accounts. My former bank even got involved and flagged it as fraud, refunded the money taken and had to open a new account for me in order to stop this company from withdrawing funds for some sort of program they calm I signed up for. It's also reports as a bad debt and I have disputed with all three credit bureaus but it's still there. This has now caused me to be denied a loan for a house. A house my family needs for our XXXX son. This is also hurting my credit for my company. I do not owe this company money and need this removed before it costs my family anymore than it already has. I have all of the correspondences from XXXX XXXX as proof that this was a fraudulent account and fraudulent activity.

Company response to consumer: Closed with explanation