vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 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: NC

Complaint narrative:
There is some arr, XXXX on all three credit bureaus XXXX  and XXXX  and XXXX fed loan service, XXXX all three collage, XXXX over charged me for class, XXXX I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at stray university in XXXX and at XXXX XXXX university online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: WA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2021-08-05 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: NC

Complaint narrative:
There is some arr, XXXX  on all three credit bureaus TransUnion and XXXX  and XXXX XXXX XXXX XXXX, XXXX all three collage, XXXX over charged me for class, XXXX I did, XXXX  take and XXXX  of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at XXXX  university in XXXX and at XXXX XXXX university  online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.

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 2021-08-05 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: NC

Complaint narrative:
There is some arr, XXXX on all three credit bureaus XXXX  and Equifax  and XXXX  fed loan service, XXXX all three collage, XXXX over charged me for class, XXXX I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at stray university in XXXX and at XXXX XXXX university online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: NC

Complaint narrative:
There is some arr, s on all three credit bureaus XXXX  and XXXX  and Experian XXXX XXXX XXXX, s all three collage, s over charged me for class, s I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at XXXX XXXX in XXXX and at XXXX XXXX XXXX  online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, s that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, s and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, s XXXX  XXXX XXXX  onlne.

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 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I made a payment on XXXX to pay balance in full ; however, despite balance posting on both my bank account and credit card ( both Capital One ), that there is a hold placed on my available credit ; however, again the payment has posted on both my bank ( on XXXX ) and credit card ( on XXXX ) statements. contacted representatives from both banking and credit card ( specifically Walmart card ) lines of business ; however, was advised by every representative I spoke to ( some were nice and trying to be helpful, others were super rude and condescending ), that there is a 10 day hold on my payment, which does not make sense and is unacceptable considering the payment has posted to both accounts. The company ( Capital One ) should grant access immediately to my available credit, as I have made the payment, and payment has posted both from my checking account and credit card statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: GA

Complaint narrative:
After my identity became compromised unauthorized accounts haunted my credit file. Not one of these accounts I authorized and got in business with, This account " XXXX XXXX XXXXXXXX ", Im demanding it be blocked and immediately removed from my file. There's no agreement with either company, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, in which you and/ or your companies can produce any written binding physical contract or / any other instrument of me agreeing to any business with the above companies. Therefore, please remove account immediately. 

1 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reported my identity compromised and debit cards stolen on XX/XX/2021 to my bank Fifth Third National Bank. The cards were not canceled and an identity thief was able to conduct transactions on 4 different accounts using ALL 3 debit cards, making fraudulent and stolen check deposits and withdrawals at a banking center, transfers at a teller level, gained access to online banking and PIN number up until XX/XX/2021 even after NUMEROUS calls to disputes, bank protection, branch locations, and various supervisors. Several investigations have been done, without my oversight ( as bank protection has decided to close my accounts ), leaving me with no online access and XXXX frozen accounts. Due to the bank, and Vice President XXXX XXXX of the XXXX XXXX Fifth Third Branchs breaches of duties to protect my accounts, XXXX  whom I asked personally to lock my accounts and he chose not to on XXXX XXXX resulting in MORE fraudulent transactions occurring at his branch, I am unable to withdraw any funds from wither checking account due to a negative balance in my savings. The investigation has stated my transactions were fraudulent and this imposters were legitimate, and was told there is NOTHING i can do. I have been served eviction paperwork in the 30+ days I have NOT had access to my funds. I SHOULD NOT BE LIABLE FOR THE BANKS FAILURES TO LOCK DOWN MY ACCOUNTS AFTER REPORTING TO THEM THE ISSUES!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Siggi LLC
State: WA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NJ

Complaint narrative:
I purchased a pair of sneakers in XXXX XXXX XX/XX/2021 using card ending XXXX and used my cashapp card and pin the item was not in stock so it was going to be shipped to me. The iten never arrived and the shipping store did not opt for shipping insurance. XXXX requires insurance on high ticket items. The local store did not fill the order and my card issuer cash app refuses to refund me my money or replace item or file dispute I have been asking them for 5 months for resolve they keep giving me different responses 0 help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Experian Information Solutions Inc.

Complaint narrative:
I switched my telephone contract on XX/XX/2021 from XXXX to XXXX XXXXXXXX as my current contract had come to an end. 
Without telling me anywhere at any point XXXX XXXX  ( XXXX XXXX ) performed a hard credit search on my file without my consent. 
I am under the impression that this is against the law and I would have never done this if I was told it would incur a hard search. 
I am in the process of purchasing my first home and as a result of this I have lost the house due to the mortgage being declined due to the negative affect on my credit score that the hard search has done. I have also lost a lot of money that I had already paid to solicitors, mortgage brokers and developers etc. 
I have already logged complaints with XXXX XXXXXXXX XXXX XXXX and experian and have been told that nothing can be done. 
I need this removing from my credit file immediately please can you 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 2021-08-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Pulled my credit report ( XXXX ) XX/XX/2021. Notice another name besides mines had pop up within the reports. Sent numerous of documentation to prove who I am and to resolve the issue that has failed to be fixed for the name/file/mixup. I've included ; social, identification and bank statement to further expedite this resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I did not authorize these companies to pull my credit information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: VA

Complaint narrative:
In the middle of COVID my mother died, I couldnt make my mortgage payments nor work, because of COVID and needing XXXX. After burying my mother. I had XXXX XXXX  and XXXX XXXX or workin XX/XX/XXXX, months after XXXX I kept having pain to find out that they XXXX XXXX XXXX XXXX in my XXXX  and had to go back in to fix it on XXXX XXXX. I am looking for work from home, but no luck yet. financially Im empty with no other resources or help. From XX/XX/XXXX I have been taking food from food banks. I filed for unemployment and now in XX/XX/XXXX theyve told me my unemployment is getting ready to expire. I am still in need of assistance, And afraid to end up on the street. I tried contacting Gregory Funding LLC and said they couldnt talk to me because of bankruptcy, I would need to get authorization from my attorney so I got authorization to talk to them and now they answer and put me on hold for and hour and a half at a time and then hang up. 
Theyve filed a relief from stay with my bankruptcy in order to foreclose. I want to work with them. When I purchased this property I put a deposit down of {$46000.00} leaving mortagage balance of only XXXX from XXXX my balance should only be {$78000.00}, but because of 2 modifications the are telling me I owe {$200000.00}. Look I have made payments over the years and not of my payments have been calculated in, theyre breaking the law by charging outrageous fees and taking advantage of me knowing I want be able to sell because of what my home is worth at market price. I am trying to sell, but because of the high fees theyve tack on Im not getting any perspective buyers, which also have to do with what I have to sell it for in order to transition or move and pay to move and 20 percent to put down on another place. What their doing is against the law with the fees theyve tact on. I need for them to remove some of their fees that they have tact on bringing the property to a reasonable price in order for me to sell at a reasonable price. Look I have put so much money in this property since XXXX I want be able to get it back, I got to have something to move and settle some where. At XXXX I should be preparing to retire, I have buried my father and XXXX XXXX and now my mother! I had taken a financial toll on me and the thing is Im still responsible for another brother who had a XXXX in XXXX in a XXXX XXXX  in Florida. I had to raised his XXXX XXXX, because my parents couldnt. I dont want to give these people a hard time I need help to keep Gregory funding from put me on the street with nothing. 
Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I've never heard of or received anything from this company. I have no knowledge of these charges : Copied and pasted from website : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY I haven't bought anything from XXXX ny .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Citibank along with XXXX XXXX XXXX XXXXXXXX, all lost my payments that where made from XXXXXXXX XXXX XXXX and of course claimed I took the money back but I am not XXXX XXXX XXXX. this has gone on for months and trying to talk to the fraud departments is impossible. they make you call machines where you will spend hours trying to talk to a person in this country who can speak English. every time you ask for a name or id from them they will not respond. I am a poor XXXX man that they have robo called to death threatened to destroy my credit rating and did unless i pay them which I talked to all of them and said I would pay my bill like always but not until they figure out where my payments are going be cause each time i make a payment i get an email and about three days later I get an email saying my payment has posted which they say a week later i took the payment back which is impossible but XXXXXXXX XXXX XXXX records says payment returned but it did not post to my account. I have lost accounts and loans and hours of work plus the stress and embarrasment at banks and business accounts places where i was denied accounts because of this along with background checks that have cost me business and you can not call them just a machine.

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 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I have been requesting a payoff letter since the XXXX of XXXX. When I contacted them at the end of XXXX approximately the XXXX, that day was the first they'd heard of my request. As of today I still not have received a response to any of my emails. And no documentation has been received. It shouldnt be this hard to pay an 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 explanation
Consumer complaint received 2021-08-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I ordered a tricycle via internet on XXXX XX/XX/2021 ( Order # XXXX ) for {$99.00} and I used the Discover card to pay for it, before entering my shipping address ; right when I clicked it appeared the XXXX logo along with a name " XXXX ''. The very next day, I found on the internet, an email " XXXX and sent the mail as I wanted to have more information about the purchasing. 
I never received any answer. I waited for the tricycle to arrive and it never did. 
Then, via Internet, on XX/XX/2021 I found an email XXXX and I sent an email to this person to CANCEL the above order as to that day I never received the item. In the meantime I informed the Discover because the charge was already there. Discover reversed the charge, Then, on XX/XX/2021 Discover charged my account again and since then, it has been a nightmare as I have called Discover constantly but went nowhere. Yesterday ( XX/XX/2021 ), I called the Fraud Dept at Discover and I was told that they had received a document from the merchant XXXX XXXX '' stating the the merchandise was delivered with no signature. I told them that I want to see the document as I NEVER RECEIVED ANY ITEM. Last night, Discover sent me a document showing it was delivered on XX/XX/2021 @ XXXX XXXX  to a USPS Mailbox with Tracking # XXXX. This morning, after I called Discover again and told them I do not live in a mail box. The woman to whom I spoke told me to prove it because they believed on the merchant document. Please, help because this is the second time Discover get my money, the last time, was about {$3400.00} or so for a bathroom work that was never done which I will file a complaint later. I wish I could deal with the seller but I have no idea and XXXX people always directs me to their website which does not solve the problem. Please, help.

Company response to consumer: Closed with monetary relief