vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I previously submitted a complaint regarding my citibank XXXX  charge. I was contesting a charge in the amount of {$360.00}. 

Citibank refuses to issue a determination based upon the facts submitted. 

I received a letter indicating that initially I disputed the charge as " not as described ''. Citibank requested additional information, which I provided. However, Citibank claims that the additional information I provided indicated that the charge was " unauthorized '' versus " not as described ''. 

So, as a result, Citibank refused to make a determination based upon the merits of my dispute, but rather denied my claim because, essentially, I " checked the wrong box ''. 

I am attaching my response to Citibank 's letter. 

I am also attaching a listing of dispute categories provided by Citibank 's online dispute center ; please note that the choices are preceded by the statement " Pick the one that fits best ''. 

Therefore, Citibank itself is acknowledging that their dispute categories may not exactly correspond, yet I am being penalized and not being given a decision because I picked the wrong category.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Social Finance, Inc.
State: MA

Complaint narrative:
I have an unauthorized charge on my account and sofi lending corp refuses to acknowledge or help me with this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and Experian informing them that I am a victim of identity theft. Someone opened a credit card, medical services, and a loan under my SSN. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. It also look like these accounts are now in collections. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC
State: GA

Complaint narrative:
On XX/XX/2022, my case against Midwest Fidelity Services was closed through consumerfinance.gov with a statement saying my debt is not owed from the company. On XX/XX/2022, they sent me a letter still saying I owe the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: GA

Complaint narrative:
In XXXX of 2021, I was reviewing my credit card statement when I noticed a charge made to my Bank of America ( BOA ) credit card. I was out of the country when the charge was made. While reviewing the charge, I noticed other charges that dated back months. I opened a Fraud case with BOA, they said they would investigate. The charges were made through XXXX, so I called XXXX and provided them with my account details, they confirmed that I had never used a BOA credit card on my account. 

XXXX also confirmed that an account was opened in my name in 2021 and that it used an address to a residence I sold in 2021. XXXX in the same conversation denied me access to the account stating that I had no information to confirm that I was the account owner and therefor could not provide any other information. They later determined that the account was a fraudulent account and deactivated. 
BOA was provided this information and continues to deny my claim that these were fraudulent charges even though XXXX felt the charges were made from an account that did not belong to me. BOA maintains that since it was my name and my address, it must have been me.. Also, BOA states that one of the charges had been swiped ; XXXX has never had the ability to swipe a credit card and they too confirmed that there is not a way to swipe a credit card.

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 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My complaint is with Bank of America. On XX/XX/2022 and XX/XX/2022, I attempted to send a wire transfer to my client who has a business account at Bank of America. The routing number and account number were reversed but the client 's full name and address was on the transfer. Bank of America rejected the funds and returned them to my XXXX account minus a {$45.00} fee each time. I spent a minimum of 8 hours trying to reach a representative through customer service and the wire transfer department only to be told by the 10th individual I spoke to that they charge a {$45.00} fee whenever a wire is being rejected. The reason that appeared on my bank statement is that " beneficiary could not be authenticated. '' Her full name and address were provided on the transfer, as you will see on the attached documentation and it was summarily rejected. This is a predatory practice and what is even worse, a supervisor at Bank of America told me the bank is NOT AUTHORIZED to take funds from a customer that is not with the bank. They not only lied about the practice but also told me that I should check with my bank, XXXX, as they were the ones who most likely took the fee and didn't tell me. I am out {$90.00} when the bank had the name of the recipient the whole time and said they could not authenticate the intended beneficiary. Bad practice, awful customer service and terrible, deceptive banking. If they are going to charge those fees, which are predatory, they should be transparent about the practice and are not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: OR

Complaint narrative:
I opened my Key Bank account online. I planned to use this account as my primary bank account. 

I was informed after opening the account online that i would need to come to a local branch to complete the opening process. 

I took time to travel to the local headquarters branch and arranged an appointment with the branch manager to finish opening the account. She took copies of my ID and other documents. 

I received multiple followup emails at least twice to confirm my account is fully open and ready for use. 

I arrange my direct deposit into the account. A week later all transactions in the account would appear and then disappear with no record. I received notice from a brokerage account that my transfer to my Key Bank account had failed and i would be accessed fees. 

Same thing happened with another transfer and i was accessed fees. 

I reached out to the branch manager again and informed her the unusual problems. She reached out to her back office and then told me that my account was closed WITHOUT any notice and that's why transfers into my account failed. I asked her how could this possibly be as she confirmed multiple times the account was fully opened and ready for use. She said it was because the back office said " negative banking history. '' I was in shock. 

I do not have any negative bank history. I have never defaulted nor gone into debt etc. I have never experienced amy problem like this before. 

Now i am faced with multiple fees from failed transfers after Key Bank confirmed multiple times my account was fully open and ready for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, got medical service, and a loan under my SSN. They also made fraudlent inquiries on my report as well. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, XXXX, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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.
State: CA

Complaint narrative:
Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. ( List Fraudulent Inquiries ) : XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX 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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Milestone On XXXX applied for The milestone Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been sending written letters to TransUnion about the errors that I am seeing on my Credit report. However, I am not seeing any changes, improvements, or corrections on my reports. They kept reporting a lot of inaccurate information in my credit report which is no longer acceptable. Aside from that, TransUnion and the furnishers have failed to notify me about the issues. Thus, they were not able to meet the requirement of the FCRA which demands them to provide a XXXX percent accuracy on the report and should they provide significant and legal documents to affirm their remarks. Below is the list of the items I have been concerned on : XXXX. XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX {$830.00} XXXX. XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$420.00} XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: TN

Complaint narrative:
I have written and verbally contacted Experian many times via certified letters and long phone calls requesting them to delete XXXX address that are not mine : XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 

To the best of my knowledge, these addresses belonged to my father who had the same name and who died in XXXX back in XX/XX/2021. I have been very patient with Experian expecting them to remove these detrimental mixed addresses but recently it has come to my attention, by the XXXX police, that these addresses were involved with Identity Thief activities in South Carolina.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One is my problem. I authorize Capital One to automatically take money out of my account to make sure that I am not late at all. I notice on my account that they have me late XXXX  times. I have tried to speak to them about the late pays ; they told me that I need to make a dispute to clean them up. I told them that I already pay my car and house and have not been lat in over 10 years. 

I authorized them to take their money out on the day I get my money that has changed the date and have been making me late and keep putting late fees on my account so I will never be able to pay the card down. I have told them to take the money at the time I receive my money ( fixed income ) they have been stealing from me taking money before my money comes and keep charging me late fees. I want those late pay deleted off of my credit and those ( XXXX ) years removed off of my credit since they were in the wrong and has been. I thought I was paying my bill every month on time but they were charging my account when they knew I didn't have money in it. I've been paying a bill that will never get paid off. THEY ARE WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX )/ XXXX / {$6800.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) / XXXX / {$75.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX XXXX Account. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX XXXX Account. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies

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