vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing as a consumer. As of XXXX XXXX, 2020, CAPITAL ONE BANK USA N has been paid in full and still reporting on my credit report. Under chapter 15 U.S. Code 1681c ( 1 ) it states, " The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. '' Both accounts have surpassed the 7-year period. I have disputed multiple times to both companies and now am living in emotional distress because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check they cleared check against my own funds not the company the check came from & it turned out the check was fake and when I called them asking why would they clear a check it the funds didnt come from company I was told I was a client with them for years and I told them I asked if it cleared through company XXXX XXXX XXXX XXXX was told yes which was untrue again cleared against my own funds & I lost {$4000.00}. And was told by Chase bank theres nothing they can do, I should call company they may give me back my money & I told them do you hear what youre telling me? Call company to see if they would pay me on a fake check. And all they did was say sorry nothing they can do. Now Im out {$4000.00} because they cleared a check against my own money not company the check came from after they cleared the check

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Both XXXX XXXX and Equifax refuse to correct the status indicator that is currently reporting a charge off on this very old closed paid in full account. I was told by a supervisor XXXX at XXXX XXXX and XXXX at Equifax that they will not fix the incorrect status indicator being reported as a charge off. I am trying to close on a house and both parties are blaming each other for the inaccurate information being reported on my report. Neither supervisor tried to resolve the problem that has been reported several times or that I was going to file a formal complaint in this forum and with my state attorneys office. I have provided Equifax with letters from XXXX XXXX stating that the account is paid in full and the status indicator should reflect as such and they have chosen to ignore and report the inaccurate information. XXXX XXXX has provided no assistance to resolve the problem outside of sending me a letter stating they have informed Equifax of the status indicator being wrong and telling me they will do nothing else and I need to contact Equifax who also told me the same thing I need to contact XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: NV

Complaint narrative:
I was alerted, by XXXX XXXX, that a hard inquiry was made by XXXX XXXX, and my XXXX score was reduced XXXX points on Equifax. I called Equifax to tell them it was fraudulent and they told me to contact XXXX. I proceeded, and XXXX assured me they would deny the application as none of the information matched. I called the other XXXX credit report companies to inform them as well. All XXXX companies have now been alerted of the fraud. I was also advised to contact FTC as in so doing this will help with this activity. I have very good credit and pay all accounts off at the end of the month. I dont need any credit cards as I have all I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for riicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on Experian, XXXX, and XXXX. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix 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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXX/ TOTAL VISA CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 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: LA

Complaint narrative:
THE BALANCE ON MY XXXX XXXXXXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXXXXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXX/ TOTAL VISA CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
This is my Menard 's Big Card Capital One charge card which I've had for years. 

I remodeled my bathroom in XXXX and made all my purchases in XX/XX/XXXX and put it on their XXXXyear, revolving, XXXX XXXX  interest promotion. 

I have ALWAYS paid the minimum balance due for the revolving account PLUS any purchases I made for the prior month that appeared on my statement. Otherwise, I added the {$56.00} minimum payment due for the revolving account to the total dollar amount of any purchases and that is what I paid every month, thus satisfying the minimum payment due on the revolving account AND paying in full all prior month 's purchases. 

In XX/XX/XXXX, I began paying EXTRA. My intention was that once the revolving payment of {$56.00} was applied, the purchases were paid in full, the EXTRA would be applied to the principal of the revolving account, thus lowering its balance due. However, when I began doing the math, Capital One is NOT applying any extra payments to anything. Every month, my revolving account has been reduced ONLY by {$56.00}, and my purchases for the prior month are paid off in full. However, any extra I paid vanished. From my math, there is {$110.00} EXTRA I have paid to Capital One that has not been applied to anything. 

I have called twice : XX/XX/XXXX, and XX/XX/XXXX. Both Customer Service women have rudely ARGUED with me that the extra was applied to purchases when I had already added the purchase amounts on my statement from the prior month to the minimum revolving charge PLUS sent in extra. How can they apply extra payments to purchases that have NOT been made? How much do they know to apply if the purchases have not been made? 

XXXX : paid {$3.00} extra XXXX : paid {$15.00} extra XXXX : paid XXXX cents extra XXXX : paid {$25.00} extra XXXX : paid {$21.00} extra XXXX : paid {$5.00} extra XXXX : paid {$44.00} extra The extra paid was usually rounding up the amount paid to the next XXXX, XXXX and XXXX or XXXX and XXXX dollars to make things even dollars. Moving forward, I will pay TO THE EXACT XXXX what my statement requires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for ridicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on XXXX, Equifax, and XXXX. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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:
upon reviewing my personal credit reports, i discover lots of unknow accounts I never opened and are currently in collection with large balances. 
these accounts are opened fraudulently on my name, realized it is the reason why I am being denied credit cards and are receiving higher than normal interest rate etc. when i applied for credit cards loans. 
i was referred to this site by a friend advising i can get help to fix the problem. so im submitting this report in hopes of a positive turn around. 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 non-monetary relief
Consumer complaint received 2021-12-01 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:
upon reviewing my personal credit reports, i discover lots of unknow accounts I never opened and are currently in collection with large balances. 
these accounts are opened fraudulently on my name, realized it is the reason why I am being denied credit cards and are receiving higher than normal interest rate etc. when i applied for credit cards loans. 
i was referred to this site by a friend advising i can get help to fix the problem. so im submitting this report in hopes of a positive turn around. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank claims to have restricted my accounts yet they processed my payroll direct deposit check into the " restricted account '' denying me access to my income. 

On XX/XX/2021 I received an email from Citibank indicating that my All of my accounts are now restricted from receiving deposits or credits, effective immediately. I noticed there was an issue with my account on XX/XX/XXXX after a wire transfer that I had just successfully submitted was cancelled. 

At the the time Citibank decided to restrict my accounts I had a balance of {$12000.00} in the account. 

Despite the claim by Citibank that my account was restricted from receiving deposits, when my employer last week accidentally submitted a direct deposit to that " restricted account '' ( I had already successfully changed the direct deposit bank ), Citibank still went ahead and processed the check of the amount of {$3200.00} into the " restricted account. '' This happened on XX/XX/2021. XXXX week after restricting the accounts. 

This action by Citibank is denying me access to my income I rely on to pay my bills including mortgage due today. 

Since XX/XX/XXXX to day, I have called Citibank multiple times to find out the specific issue that resulted in the accounts restriction. However, I am always redirected to Electronic Fraud Depart where they do not tell me what issue caused the accounts to be restricted. At least XXXX times, the agents hang up on me and yesterday I was kept on hold for more than an hour for a call that lasted more than XXXX hours when I asked to speak to a supervisor/manager. 

XXXX of the Citibank Agents I spoke to yesterday, XX/XX/2021, was dismayed how it was possible to accept a check into a restricted account. I also spoke to XXXX other agents who promised to file internal complaints on the actions of Electronic Fraud and How I was treated on my calls to Citibank. 

Citibank Agents flatly refused to tell me how they accepted the deposit yesterday into the account they claim to have restricted!

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 2021-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/2019, {$620.00} XXXX, reported to all XXXX credit agencys without giving me any information of debt, no letters, no calls, no email I wasn't aware until I check my credit reports.Merchants Credit Guide : XXXX XXXX acct : XXXX {$780.00}, XXXX {$680.00} and XXXX {$930.00}, also did the same violation of XXXX and XXXX, illegal or unethical communication tactics, Disclosure verification of debt, exessive attempts to collect without giving consent or any opportunity to dispute collections also it was reported to you that hospital was neglacting treatment as treatment never happened as I walked out of the hospital after keeping me hours in agony and pain causing me to go to another hospital I have witness to such neglect

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax failed to follow XXXX XXXX in regards to inaccurate information reporting to my credit report. I have notified them several times regarding inaccurate payment status and account numbers reporting on my report for my XXXX Accounts. Please see the attached letter for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: NY

Complaint narrative:
Im requesting Experian to remove immediately The account of XXXX from my credit report for fraudulent charges done by XXXX XXXX to my account number XXXX I sent to Experian more than XXXX court pages of this fraudulent charges and I XXXX XXXX is sending this proves today on this website Im requesting again to Experian to remove this account from my credit report base on fraudulent charges to my account Im sending XXXX pages of court prove, enough evidence to remove this account from my credit report. 

The court pages explained how XXXX XXXX committed the fraud, alteration and others things Also Experian never have sent me a single letter explaining why this account still on my report or the kind of investigation Experian have done Im requesting over and over to Experian to remove this account based on fraudulent charges that is the only resolution I want

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 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/XXXX was the start date of the dispute and amount is XXXX and chime kept closing all my disputes up until now and sent them everything they said like police report of my old phone being stolen that had chimed logged in and just sent chime all the tracing numbers and sent them all the merchandise and amounts and they still been closing all my cases since XX/XX/XXXX until no and thy told me XXXX and XXXX i would get the number never got it so they been lieing since XX/XX/XXXX and XX/XX/XXXX this year and still have yet received the XXXX from transferring it from pua unemployment to chime and when i did the transfer it never went on my chime account and didnt go threw but yet my money left my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Student Loans were placed in a Forbearance/financial Hardship. Account shows late payments. I was never late. I have 5 lates on my credit report. My credit score has been affected. Loan was sold and during this time the forbearance not being report accordingly. 

Listed contact number for Navient XXXX disconnected. Letter sent XX/XX/XXXX no reply. Account # XXXX Navient claims no correspondence was received since XX/XX/XXXX. Letter sent XX/XX/XXXX and XX/XX/XXXX. No record of my correspondence. 
Transferred consolidated XX/XX/XXXX. Bankruptcy XX/XX/XXXX, XXXX XX/XX/XXXX Discharged - Account was in forbearance prior to the bankruptcy. XX/XX/XXXX curred. Please dispute and remove from my credit report. 

I am the consumer. The account was full paid and closed. The reporting is unfair and deceptive. I see this to be unfair to me. 

I'm here to dispute inaccuracies and incorrect information. This practice can not be utilized on credit report for privacy. Putting on my credit report my private information to other people without my consent. I did not tell them to use or share with others. If it continues, I will need to take next steps FCRA disputing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I noticed XXXX fraudulent charges on my Bank of America XXXX  XXXX Credit Card. These charges were made on XX/XX/2021 to SXXXX XXXX in the amounts of {$1500.00}, {$1300.00}, and {$970.00}. I reported these charges as fraudulent to Bank of America. I received a letter from BoA dated XXXX stating that the claim had been resolved in my favor. Next, I received a letter dated XXXX that stated that the merchant had provided documentation confirming my receipt of the merchandise or service. This is not possible. I absolutely dispute that I ever made these purchases. I have no knowledge of them. I neither made these orders nor received anything from this company. So, I sent a letter to BoA requesting a copy of the documentation provided by XXXX XXXX. They replied with a letter dated XXXX again stating that the merchant had provided documentation, but they did not provide me with any proof or copy of this documentation. I have hired a lawyer who has sent them a letter requesting the following : Name and address of the purchaser Address or email address where the tickets were sent Relevant device information relating to the purchase Originating IP address Date and time stamp Device signatures Browser ID Country of origin Mac number I have been a customer of BoA for decades. I have never made a purchase of thousands of dollars worth of tickets to anything. BoA should have flagged the purchases as anomalous, notified me, and backed me up against the criminals as I am their customer. I am a respected, law abiding member of my community. Please help. Thank you.

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 2021-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DigniFi
State: TX

Complaint narrative:
I applied for a loan from this company to fix the transmission on my car. I was approved but the interest rate was higher than the one on my credit card. So I called them and told them I didnt want it and they said they would take care of it and that I could log into my account and I would see that the loan had been withdrawn. I logged in and it does show that it has been withdrawn. I went to delete the account and could find no where to do that. So I called them back to find out how and they said that since they had ran my credit and offered the loan to me that they could not delete the account, that there was no where on my account online that I could delete it either and that all of my information would be kept with their company. I feel that this is not right ... what if they get hacked and my information could fall into the wrong hands. I hope that you can help with this. Thank you.

Company response to consumer: Closed with explanation