vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received an Interest free Credit card with XXXX XXXX XXXXXXXX. I set up 2 balance transfers over 10 days ago and I see them transfered online with XXXX but they let me know they were electronically sent on the XXXX of XXXX. 
Today is the XXXX and they are still showing not processed at Capital One? 
I don't want it to appear to have double credit on cards, I need Capital One to show the Balance Transfer and it paid!! 

Two cards are XXXX ( {$2500.00} sent ) and XXXX Business ( {$1500.00} paid ). 

Please have them apply the transfer asap!! They are sitting on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Granite Edvance Corporation
State: SC

Complaint narrative:
In XXXX, my husband and I consolidated our student loans, otherwise known as spousal consolidation. At that time our combined loan balance was {$110000.00} with an 8 % interest rate. Today, despite paying a total of {$130000.00}, our balance is {$220000.00} and growing. Although we both have the required amount of payments as educators, we are excluded from the Public Servant Loan Forgiveness program, because of the spousal consolidation. Additionally, our balance continues to grow because of outrageous capitalized interest rules under the income based repayment plan which is intended to support borrowers with manageable payments. When we are in our XXXXs and set to retire, that inflated balance driven up by predatory interest will become taxable income under the XXXX plan. At that time we will have likely paid our loans back twice over, but the balance will be close to {$300000.00}. In no other industry would it be ethical to collect five times what was borrowed. We have spoken to our loan servicer many times and have been encouraged over the phone and via written communication to apply for PSLF, however we continue to not qualify because our loans are in spousal consolidation. We have attempted to convert them to a direct loan, but that is impossible under the law. In XXXX we were led to believe that we were being financially responsible by consolidating our loans, but it has turned out to be a discriminatory and predatory step that was allowed by the government for a short time. Spousal consolidations were ended in XXXX with no way to detangle and with no inclusion for loan forgiveness options offered to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Someone is fraudulently opening bank accounts in my name with Bank of America. In the past it has also been with XXXX XXXX and XXXX bank as well. I also had some open up XXXX account in my name as well. I have credit freezes on all three credit bureaus, and fraud alerts on my account that should help prevent accounts being opened under my social security number.

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 2022-06-23 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy I dont want this account reporting on my credit report. 

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-23 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy I dont want this account reporting on my credit report. 

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX {$84.00} closed XXXX XXXX {$8700.00} closed XXXX XXXX {$740.00} closed XXXX XXXX {$280.00} closed XXXX XXXX {$500.00} closed in accordance with fair credit reporting act XXXX Account # XXXX, has voilated my rights. 
15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions

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 2022-06-23 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2022. My Barclay credit cards were abruptly shut off due to what they call a security hold and review. Barclay credit card company is now requesting to review my tax returns. 
My credit score is almost an 800, I have never been late on a payment and always pay my balance before the end of the billing cycle. I have been a card holder for at least 4 to 5 years. I can not get any answers from them. I can not get the paperwork faxed over that they want due to their one fax machine constantly being busy for five days straight no matter what time the fax is sent throughout a 24 hour period. They have all my online access shut down I can not even review my balance. I feel like this is getting done purposely because I am using the card quite often getting a lot of points and they are not making any money off of me extra with their interest rate.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXX XXXX XXXX Opened XXXX {$150.00} XXXX XXXX XXXX Opened XXXX {$670.00} XXXX XXXX XXXX Opened XXXX {$1200.00} XXXX XXXX XXXX Opened XXXX {$2500.00}

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXX XXXX XXXX Opened XXXX {$150.00} XXXX XXXX XXXX Opened XXXX {$670.00} XXXX XXXX XXXX Opened XXXX {$1200.00} XXXX XXXX XXXX Opened XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
This morning, XXXX XXXX at XXXX, I received an email to let me know that a new checking and savings account was opened with TD Bank in my name. I called and let them know that I did not open a new account with them, nor did I bank with them. They directed me to their fraudulent line and she has submitted a claim and gave me direction to call all of the credit unions, social security office and to file a claim with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit bureau has been denying my request to remove inaccurate information on my credit report. in accordance with FCRA this company has violated my privacy rights. 

this company has the incorrect social security number on file for me 15 U.S.C. 1681 section 602a states that i have the right to privacy U.S.C 1681 section 604A section 2 states that a consumer reporting agency can not furnish my personal information or furnish an account without my written or verbal consent. 

i have not consented to the following accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- account reporting as closed XXXX XXXX XXXX  reporting as closed- only suppose tpo have one open current account with this company inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX XXXXXXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: VA

Complaint narrative:
I called and requested to disputes with Direct Express. They gave me a fax number in which to fax the disputes forms back to once I received them in order to get a provisional credit. They said I had 10 days from the date that I filed the complaint to get the forms back to them. I didn't even receive the forms until 10 days later on one of my disputes. The fax number they gave me to fax the forms to just ringing ringing rang. Or other times I tried it just was busy the entire time this went on for an entire day. I am XXXX and had to go to the library in order to fax the dispute forms. I even called Direct Express to confirm that I had the correct fax number and I did and I explained to the customer service rep that the fax didn't work and she basically told me that you know that it was my problem not hers and if that's the only fax number they have. I also explained to the customer service rep that they took so long sending me the forms that I didn't get it until the 10-day time period was up on getting a provisional credit. Again she basically told me that that was my problem and not hers. Here 's where I'm having trouble with this since they took their time sending me the form that gives them 45 to 90 days in which to investigate the dispute. I feel like they do that on purpose. Also I have to wait exhibited lengthy amount of time before I can even get a human being on the phone to talk about this stuff with Direct Express. I just want my money back is all. And she repeatedly be treated like garbage by Direct Express is unacceptable. I'm not some welfare witch who just lives off the system I work 32 years to earn the benefits I have I'm XXXX I have survived XXXX twice I've survived a XXXX XXXX I've survived a XXXX XXXX I worked 32 years to get my benefits. Direct Express has designed their system so they just drag out processes in order to get your money back to you when there's a dispute or something else like an unauthorized charge or something like that's done with your bank account. They've designed a show it's almost impossible to get a human being on the phone. The average person or should I say the average XXXX person that has to deal with this will just give up. Something needs to be done with the way Direct Express treats their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23 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: FL

Complaint narrative:
XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Credit Bureau XX/XX/2022 Open Company response is in progress as of XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
1st error : Collection name : XXXX A gym litterally took my account to collection. 
I signed up for blink fitness for 1 month in XXXX and cancelled my membership thereafter. 

Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up. 

They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for. 

Please help in removing this erroneous debtor on my report. 


2nd Error : Collection name : XXXX XXXX XXXX XXXX debtor under Harvard collection is showing on my report added on XX/XX/XXXX. 

I have not lived in the subject apartment since late XXXX. 

I had called XXXX and cancelled my meter and it was never honored they kept billing me for electricity by error/mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX {$84.00} closed XXXX XXXX {$8700.00} closed XXXX XXXX {$740.00} closed XXXX XXXX {$280.00} closed XXXX XXXX {$500.00} closed in accordance with fair credit reporting act XXXX Account # XXXX, has voilated my rights. 
15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX {$84.00} closed XXXX XXXX {$8700.00} closed XXXX XXXX {$740.00} closed XXXX XXXX {$280.00} closed XXXX XXXX {$500.00} closed in accordance with fair credit reporting act XXXX Account # XXXX, has voilated my rights. 
15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXXx Credit Bureau XXXX  Open Company response is in progress as of XX/XX/2022

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 2022-06-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  reporting Incorrect information on your report XXXX Credit Bureau XX/XX/2022 Open Company response is in progress as of XX/XX/2022

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 2022-06-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For 5 years I have been requesting the permissible permission used to access my credit report in XX/XX/2017. A simple request. WHAT AM I MISSING? I received the attached document which isnt the correct permission used because it is undated. But I keep receiving the same rhetoric from XXXX labeling complaints and requests as duplicate.a hundred times at least. I call the XXXX XXXX numbers which is an exercise in pain & patience. 

I need this for actions against the person that perpetrated the fraud. I hate saying fraud because both companies take off on another tangent. PLEASE DO NOT SEND ME A FRAUD PACKAGE REQUESTING MORE INFORMATION FROM ME WHEN YOU HAD NO RIGHT TO RECEIVE ANYTHING FROM THE BEGINNING. It is very clear both companies had no right to access my credit report at the very beginning with an undated permission, the loan would have never happened, and we wouldnt be talking today. 

And Experian do your own investigation instead of passing the buck to XXXX who repeatedly states they are reporting properly. Are you not the keeper of my private 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 2022-06-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In reference to complaint # XXXX Transunion has not responded within 30 days. By law Transunion is required to complete their investigation within 30 days or delete the account. The account XXXX XXXX XXXX should be deleted immediately.

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 2022-06-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im response to complaint XXXX EXPERIAN has taken more than 30 days to complete their investigation. I was never late on these accounts so they should be marked as paid as agreed or delete. 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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are some hard inquiries on my credit report that I don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In response to complaint number XXXX. EXPERIAN took longer than 30 days to complete their investigation. Mark the following account as paid as agreed or delete the account. 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