vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have found inaccurate information on my credit file by the credit reporting agency name Experian. I have disputed the inaccurate item name XXXX XXXX which Experian listed on my Experian credit report, who refuses to fix it. I have taken additional steps to remedy the problem by sending letters, disputing the account several times, mailed letters, calling and certified a letter regards to inaccuracy for the item name XXXX  XXXX that is reported on the Experian credit report. Experian sees the inaccurate information that XXXX  XXXX is reporting, but Experian credit reporting agency refused to remove and delete the inaccurate information from my credit file and credit report which are against the XXXX  rules. 

I have kindly requested, Experian to remove and delete the inaccurate information that is reported on the credit report. Experian has failed to knowledge my request. When a creditor reviews individual credit report, the identity / personal information such as name, address, telephone number and all personal information on the credit report must match. 
Which best describes your problem? 
The inaccurate item name XXXX  XXXX is listed on my Experian credit report. Does not match my identity/ personal information ; this is described as inaccurate information. Experian has listed XXXX  XXXX on my credit file which is inaccurate information and the information reported does not match to my identity/ person information and continues to report and leave XXXX  XXXX inaccurate information on my credit report. Based on credit bureaus responsibility to report only information accurate information. Experian has continued to leave inaccurate information that does not match my identity on my credit report and has failed to remove the inaccurate information from my credit file, this has negatively impacted me on many levels

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 2021-02-05 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I reviewed my personal credit profile and unknown inquiry was made from this company multiple requests to remove said inquiries or provide documentation of it's accuracy has all been ignore by company. The fraudulent inquiry remains on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
By clicking " Get Free Credit Report '' on the Transunion website, you are automatically signed up for a {$24.00} monthly subscription to their credit monitoring services. You are prompted to enter a credit card to verify your identity, and nowhere does it say that you are about to be charged an amount monthly.

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 2021-02-05 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
please provide competent evidence of the following disputed account # XXXX as I have never applied for it and am not responsible for its alleged use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: NY

Complaint narrative:
XXXX 's Xoom is preventing me from using their service through harassment that is challenging my privacy in inappropriate and unethical ways. I am trying to transfer money to a friend in XXXX using XXXX 's Xoom money transfer service. After sending all required documents numerous times, including every bit of personal identity information, they have continued to decline my transfer and have begun asking me for personal details about my friendship with this person that I am trying to send money to, and the reasons for my transfer. And yet, they have continued to decline my transfer. This is harassment and a breach of privacy and has wasted tremendous amounts of time and energy -- not to mention that I can not complete my personal transaction, which is urgent. This has been going on for weeks now. Now I feel concerned for my identity safety considering the unprecedented amount of information they have collected from me while continuing to decline the transfer. I've even been a XXXX customer for over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have a Citi Case ID given to me by XXXX with Citibank online chat on XX/XX/XXXX Citi Case Id : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried repeatedly, most recently on XX/XX/XXXX via telephone to get an update on this case. 
The issue is, I had {$21.00} in rewards points on my citi card ending in XXXX as of XX/XX/XXXX. Citibank requires a minimum redemption amount of {$25.00} to redeem the rewards. The card ending in XXXX was on a promotional balance offer of 0.99 percent for existing balances through XX/XX/XXXX with new purchases if made immediately being charged an apr of 17.99 percent. It was my intention to make new purchases after the balance transfer offer expired in XXXX to build up the rewards balance to the {$25.00} minimum threshold for redemption as if I made them during the promotional offer they would immediately start accruing interest. I am requesting that citi kindly restore the {$21.00} in rewards points so I may do so.

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 monetary relief
Consumer complaint received 2021-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Id try disputing chargers on my capital one credit card from a car rental company that double charger me. however capital one try to dispute back in XXXX XXXX XXXX, 2020. Meanwhile during that period of time my wife and I had a baby and the document they were asking for I send them too late. I called capital one to try to dispute again this past XXXX and they told me that they cant reopen the case because its a master card, they told me that I am fully responsible for the chargers. I have proof from the car rental company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report and ACT Account is showing on my report in which I have no knowledge of this account. Under the Fair Credit Report Act please remove the fraudulent information which is hindering me from purchasing a home.

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 2021-02-05 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:
I recently received a copy of my credit report and ACT Account is showing on my report in which I have no knowledge of this account. Under the Fair Credit Report Act please remove the fraudulent information which is hindering me from purchasing a home.

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 2021-02-05 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: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/XXXX XXXX was transfered from my chime account though a XXXX XXXX app. 
I disputed the tranaction and they said there was no error and sent a report i do not know the person the money was sent to and only got a partial name and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: DISCOVER BANK
State: CO

Complaint narrative:
From approximately, XXXX, charges were made on my account on did not authorize. I have been disputing these charges for approximately 9 months now. 1 ) Company has refused to block the merchant until recently - doing so would have saved me additional 6 months of charges to my account equally of about {$90.00}. 2 ) company has refused to cancel the card and issue a new card stating " that they were reoccurring charges and they would still follow my account ''. Charges I have been disputing for approximately 9 MONTHS NOW! BIG 3 CC COMPANIES - XXXX HAVE DONE SO WITHOUT A PROBLEM. 3 ) Discover states they are only allowed to go back 4 months per agreement with??? Failed, refused, and ignored my request for PROOF OF SUCH AGREEMNT stating so either by Statute/Law/Regulation/Member Service Agreement in effect. To date I have been charged approximately {$240.00} for something I did not ever agree to, and I am only getting {$60.00} refunded. This is astounding, ridiculous, sloppy, and unprofessional. This could have ceased long ago. Discover takes no accountable or responsibility for what they failed to do, when they were notified of a problem on the onset. 

In addition, an investigation needs to be conducted as to why : 1 ) A consumer can not freeze their account. 2 ) Why a merchant can not be blocked from charging an account. 3 ) Why a card can not be cancelled and a new card issued. 4 ) why charges continue to follow and account even when its disputed or a card cancelled. 5 ) Why a company can refuse to provide proof of either Statute/Law/Regulation/Member Service Agreement in when challenging a company regarding a policy, especially one challenging a " 4 month '' rule for disputing charges for a longer duration. This is absurd and unheard of. I challenged this with XXXX and they lost. Charges going back longer than a year have been disputed and overturned because I won their challenge!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WV

Complaint narrative:
Discover took my financial aid for my schoolbooks and closed my account. I was angry because I have no missed payments for 2 years so I said close the account. I then remembered that I just put {$500.00} on the card to pay for my schoolbooks so I changed my mind. The woman asked specifically if I still wanted her to close the account because she had to read the disclosure and I hung up. Now I can not purchase my books. They took my financial aid and closed my account in good standing preventing me from getting my online course material. My GPA is ruined because where I have to take online courses, they are only 8 weeks, and my financial aid is ruined and all they say is heres an address. Write them. I did not have the time to waste being an 8 week course and this will make a whole week missed in 3 different classes. I guess the time for haste has passed but I feel it is wrong and morally wrong. My whole life is ruined because they closed my account and they want me to write a letter and mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: NY

Complaint narrative:
During my XXXX divorce, I was left with an XXXX balance on a XXXX credit card and no way to make the payments. XXXX reached out with a settlement offer about the same time as I was considering bankruptcy. I consulted with XXXX XXXX of XXXX XXXX about what would be the better option for my credit report. My plan was to obtain a mortgage and purchase a property to flip and start to support myself, so I wanted to impact my credit the least amount possible. Mr XXXX drafted a letter to accompany my check requiring XXXX to agree to delete all negative reporting info in exchange for cashing the check .... or that they needed to return it. The letter was crystal clear. It was sent and even cashed by XXXX before the deadline they gave me. 8 months later, XXXX is still reporting it as a charge off and settled for less than amount owed. Clearly negative info. They have been contacted several times by both Mr XXXX and myself, but they decline to return the calls. Mr XXXX has drafted FIVE letters over the last 8 months to each of the 3 credit reporting agencies and enclosing copies of the same items for them to review. All we get in return is a form letter saying the info has been verified as accurate. Clearly providing them proof of the agreement isnt helping. I have lost out on several different properties due to the impact this item is having on my score. It is the only negative mark and causing me to be offered a rate 2x the regular one. The letter clearly stated that by cashing the check, they agreed to the terms and that if they did not, the deal was not ok with me.

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 2021-02-05 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: NY

Complaint narrative:
During my XXXX divorce, I was left with an XXXX balance on a XXXX credit card and no way to make the payments. XXXX reached out with a settlement offer about the same time as I was considering bankruptcy. I consulted with XXXX XXXX of XXXX XXXX about what would be the better option for my credit report. My plan was to obtain a mortgage and purchase a property to flip and start to support myself, so I wanted to impact my credit the least amount possible. Mr XXXX drafted a letter to accompany my check requiring XXXX to agree to delete all negative reporting info in exchange for cashing the check .... or that they needed to return it. The letter was crystal clear. It was sent and even cashed by XXXX before the deadline they gave me. 8 months later, XXXX is still reporting it as a charge off and settled for less than amount owed. Clearly negative info. They have been contacted several times by both Mr XXXX and myself, but they decline to return the calls. Mr XXXX has drafted FIVE letters over the last 8 months to each of the 3 credit reporting agencies and enclosing copies of the same items for them to review. All we get in return is a form letter saying the info has been verified as accurate. Clearly providing them proof of the agreement isnt helping. I have lost out on several different properties due to the impact this item is having on my score. It is the only negative mark and causing me to be offered a rate 2x the regular one. The letter clearly stated that by cashing the check, they agreed to the terms and that if they did not, the deal was not ok with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: NY

Complaint narrative:
During my XXXX divorce, I was left with an XXXX balance on a XXXX credit card and no way to make the payments. XXXX reached out with a settlement offer about the same time as I was considering bankruptcy. I consulted with XXXX XXXX of XXXX XXXX about what would be the better option for my credit report. My plan was to obtain a mortgage and purchase a property to flip and start to support myself, so I wanted to impact my credit the least amount possible. Mr XXXX drafted a letter to accompany my check requiring XXXX to agree to delete all negative reporting info in exchange for cashing the check .... or that they needed to return it. The letter was XXXX clear. It was sent and even cashed by XXXX before the deadline they gave me. 8 months later, XXXX is still reporting it as a charge off and settled for less than amount owed. Clearly negative info. They have been contacted several times by both Mr XXXX and myself, but they decline to return the calls. Mr XXXX has drafted FIVE letters over the last 8 months to each of the 3 credit reporting agencies and enclosing copies of the same items for them to review. All we get in return is a form letter saying the info has been verified as accurate. Clearly providing them proof of the agreement isnt helping. I have lost out on several different properties due to the impact this item is having on my score. It is the only negative mark and causing me to be offered a rate 2x the regular one. The letter clearly stated that by cashing the check, they agreed to the terms and that if they did not, the deal was not ok with me.

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 2021-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I turned in a truck and I received one invoice stating that they were charging me {$3600.00} in fees. I called GM financial to ask what these charges were and I didn't hear back from them until today. - they claimed it was due to covid. I am doing a refinance on my house and my credit was checked and not only did GM put this terrible mark on my credit, but stated I owed this money, when I had no idea what I was even being charged for and couldn't even speak to anyone due to circumstances with COVID that are out of my control. Now I can't refinance my house. 
Once I found this out, I called GM financial and settled on a payment plan but this is insane and not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Sequoia Financial Services
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the XXXX and my local police department. I send all documents to the C.R.A and Sequoia Financial Service. The Account Opened is Sequoia Financial Service Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$1900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX

Complaint narrative:
I moved from XXXX, North Carolina to XXXX, Texas on XX/XX/XXXX, however my lease wasn't set to end until XX/XX/XXXX. Prior to moving, I contacted XXXX XXXX and scheduled to end my service on XX/XX/XXXX as well as provided them my new address. 

On XX/XX/XXXX I received a paperless bill with a balance due of {$230.00}. This charge consisted of {$130.00} new charge and {$100.00} from the previous bill. However, when I logged into my XXXX account and paid, it only charged my card for the new amount of {$130.00}. 

I believed my account from XXXX to be settled and did not know of the {$130.00} ( the XXXX from XXXX and the partial from XX/XX/XXXX - XX/XX/XXXX ) that was still pending as unpaid on my account. 

In XXXX of XXXX, I went to get pre-approved for my first home mortgage loan and was made aware of a subpar credit score on XX/XX/XXXX. On XX/XX/XXXX, I was told by the lender that I had a collections charged to my credit score in XX/XX/XXXX by a company called Helvey & Associates. I had to ask who Helvey was as I had never heard of them and were told they were trying to collect {$130.00} from me after buying the debt from XXXX XXXX. 

This was the first time I was hearing of this unpaid account balance. No letters from XXXX XXXX, calls from XXXX XXXX, letters from Helvey, or calls from Helvey were ever received or this charge would have been paid immediately. 

I called Helvey and was told there was nothing they can do but I could pay XXXX and appeal. I immediately called XXXX XXXX, paid the balance, and was told they would notify Helvey. I am now being told that despite the lack of communication concerning this charge by both XXXX and Helvey, and the fact I paid immediately upon learning of it, nothing can be done to delete it from my credit report and help to repair my credit. 

I have a long-standing history of on-time payments, including credit card bills, rent payments, car payments, and payments to XXXX XXXX themselves.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief