vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BILL.COM, LLC
State: PA

Complaint narrative:
My Bill Spend account was opened on XX/XX/2023 According to the terms of the promotion. I was supposed to receive a {$50.00} XXXX gift card when application has been accepted and approved. It's been more than 30 days and I have yet to receive the XXXX gift card. Below are the terms Terms & conditions : Our goal is to show you XXXX so you can see the benefits to your organization firsthand. Were happy to give you the {$50.00} XXXX XXXX XXXX when you sign up for XXXX if you meet the required qualifications. This offer is available only to Qualified Individuals XXXX  years of age or over. This offer is available to US Residents who live within the borders of the continental United States. To receive this offer, applicants must sign up, as specified below, on behalf of a company they are authorized to represent using the designated XXXX landing page. A qualified Individual is a verified business decision-maker or influencer Including ( but not limited to ) owners, founders, administrators, controllers, C-level executives, VPs/Directors/Managers, and other senior roles that can help implement or recommend a solution like XXXX. We are seeking business partners that are established and can benefit from the full line of XXXX features. To receive this offer, you must open up a line of credit with XXXX with a XXXX product representative to sign up you must fill out an application, be accepted by the XXXX team, create your account in the XXXX product, and have an open line of credit. Note that this offer is only available to new XXXX customers applying for a new XXXX account. This offer is not applicable to existing customers. The XXXX XXXX XXXX associated with this promotion will be shipped to Qualified participants within 30 days of signup. Emails will be used to confirm the delivery details, which will be sent directly to the designated email address of the demo recipient ( U.S Only ). No purchase is necessary. This offer is available for a limited time, while supplies last. XXXX reserves the right to discontinue or change the terms of the offer at any time, subject to applicable law. Offer may not be used in conjunction with any other offer or promotion. Credit lines and the advertised range are not guaranteed and will be determined upon application approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I made my payment through my bank on XX/XX/2023 and my bank shows the funds were withdrawn on XX/XX/2023. Capitol One is holding my payment until XX/XX/2023 to ensure that the funds are not returned. If my bank released the funds and I did a bank to bank transfer no check required, why are they holding my funds? Do they make interest on my money that they are holding? Just curious how they can hold my funds hostage. Thank you for your help. Capitol One representative stated that once a relationship is established with my bank then they might not hold the funds for as long ; they will still hold my funds just for a shorter time period POSSIBLY. My bank is a national bank - I would think they have a relationship with Capitol One already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is XXXX defamation to my character and they have refused to remove these items. XXXX, XXXX and TransUnion have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is XXXX defamation to my character and they have refused to remove these items. XXXX, equifax and XXXX have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
So on XXXX I texted a dude on Marketplace with the name XXXX XXXX and he was selling a XXXX for a good price so I texted him and asked how much and he told me and so I asked if he would take XXXX and he said yea and then I asked him where he lived and it wasnt to far from me about an hour and then this is where I shouldve stopped dont know why I didnt he asked me to make a deposit of about a XXXX $ so that I could have it in my name so no one else could take it. I told him Ill j take the risk and wait and thats a few days ago by and he texted me and said if you just give me {$150.00} for it XXXX you the XXXX the controllers and all the cords so XXXX like ohhh XXXX betttt. So then I told him I would send him the XXXX when I go up to his house to meet him and he tells me to just cashapp it to him now because he isnt going to be at his house and that XXXX just leave it on his porch. So XXXX like nah we have to meet up and then when I see it XXXX send you the money. So then a few days go by again and he text me aye if you send me {$120.00} to get a new key for my car and some gas that he could just drive it up to me. At this point its been forever and I just want the XXXX thing so XXXX XXXX it and sent him {$120.00} on cash app. His cashapp is @ layingtickets. And so hes like awesome XXXX be leaving soon and so XXXX bet and then a few hours go by and I ask where he is at and he text me back saying he is XXXX minutes out and thats when he hasnt texted me since and XXXX blocked me on XXXX and took down the listing. Please Im literally struggling so bad and yes I know it was very XXXX  to do. EDIT : this is my second complaint now, my first case got closed due to them not be able to verify that it is my account. I dont know how else Im supposed to verify that it is my account but I need this fixed asap please because Im really struggling and that money was a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I applied for a 4 in 4 payment with my XXXX XXXX  account. Upon applying I was denied as a result of Experian credit score of XXXX. I however just checked my score and it was around XXXX the previous day. I looked at the letter that was sent by XXXX and they said they received my score from Experian. The score is different by over XXXX points. I called Experian to get clarity on what my credit score really is so that I can move forward with fixing this situation and they said the score on the experian.com website was the accurate score so I'm not clear on why the score is displayed as 2 different numbers.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX which was returned to me for not deliverable address. 
I then sent equifax and XXXX a letter to remove this account because it is violation of The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AO and ( a ) ( 1 ) ( CO You are hereby notified that the data furnisher has not clearly and conspicuously provided an address at which to write a dispute about inaccurate information. If this information continues to report on my credit files, you will be held responsible for knowingly reporting false information. 

This account is still reporting on my credit report. 
Ive included the envelope showing returned, the address that is reported to the credit bureaus, and the letters I sent to equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capio Partners, LLC
State: NC

Complaint narrative:
I keep getting phone calls from this company. Firstly I thought it was strange as they had called me from 4 different phone numbers all starting with the area code 925 which is a XXXX XXXX Ca area code. I have a 925 phone number as that is where I lived almost 16 years ago but never changed it as my kids know that number. I finally called back one of the numbers and asked who they were. The lady just kept repeating they were an LLC company. I asked her why there were calling and she said in order to speak to you, I need to confirm your date of birth and proceeded to name off my date of birth. I asked her to confirm for me if they were actually in XXXX XXXX, CA, or if they were somewhere else. She said no we are in TX. I said I am pretty sure spoofing a phone number to another state to match someone's listed area code to try to trick them into answering a call is against the FTC rules. You have to call from your company 's phone number that lists who you are. I am not going to give you any personal info until you tell me who you are and why you are calling and can explain why you are spoofing phone numbers in other states. She said. " Well, then I am going to have to end the call '' and hung up on me. I did a search of them on XXXX and there are dozens of people all saying the same thing. This company has called them from their home state while they are in TX. They have put fraudulent dings on people 's credit reports for medical bills they don't owe, in the wrong amounts, the wrong names, etc. I believe this is a company that is preying on people is deceitful in its practices and is breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had asked them to waive the over draft fee caused on a holiday XXXX XXXX, they continue to tell me theyre unable too, knowing i get paid friday the over draft fees get taken care off they keep refusing to refund me the XXXX $ of over draft fee they charged on Items that were XXXX $

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, i went to Instaloan, a subsidiary of Titlemax to get a small title loan to help with some bills that got behind because work was slow at my job and I had lost some hours. I was told by the girl at the desk, multiple times throughout our interaction that on my loan of {$600.00}, that if I paid my required payment, the total I would pay at the end of the loan would be {$870.00}. They also convinced me to get additional insurance on my car, a XXXX XXXX with XXXX miles on it. They told me the extra insurance was required because I did not have full coverage, only the state minimum. I found out today that was a lie. I have paid my payment on time each month and have given them over {$700.00} now, but noticed that my payoff amount had stayed the same. So I called them. Today a different lady told me that the interest accrues every month and that ive only been paying the interest. Over {$150.00} a month. I told her the girl never said that. Even my paperwork didn't say that. She told me multiple times that the total after everything was {$870.00}. This new lady told me basically if i make the required payment, I'll be paying this for the rest of my life. I only paid {$1800.00} total fir this car. I can't afford to lose my car but I also can't afford to payoff this predatory loan in XXXX lump sum. If she would have explained how this interest worked, I would never have accepted the loan offer. Now I'm looking into trying to sue them. I already suffer from anxiety and this is effecting my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief