vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: GA

Complaint narrative:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND this account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It states that I open a line of credit in XXXX home XXXX XXXX I closed on mortgage XXXX do not have open mortgage

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 2023-02-10 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:
On XX/XX/2023 at XXXX XXXX I tried to access my credit reports on annualcreditreport.com, and both XXXX and Transunion are not allowing me to see my credit reports online. I called XXXX using the number provided and they want me to sign up for their service in order to see my credit report online. They said that they will mail it to me. Transunion only shows an address to send a request for a credit report to.

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 2023-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello I have tried a numerous of times to have XXXX and Capital One to correct my soft inquiries. I have 128 Soft inquiries from XXXX and Capital One each party keeps sending me to the other party. Which I am told to get it corrected by the other party. No one seems to want to correct it this has affected me it has hurt my credit report. Each party consistently tell me it's not hurting my credit report 128 inquiries does hurt your credit report. Especially when you have not applied for any credit. I spoke with the 20managers at Capital One each one of them refused to help. I begged to speak to anyone for help me. The manger by the name XXXX stated there was no one above him and so did the next manger. I felt as if they should have gone overboard for 128 inquires in which the mistake was on Captial one. I was antagonized as if it was my fault asking me questions and basically stated it's my responsibility to dispute the 128 inquiries, however when I tried to dispute with XXXX. I was told to go to Capital One. It's just a redundant domino effect and no one seems to want to help me. Please get this corrected regard to my credit reports. In which has affected my livelihood. No one wants 128 inquiries on a credit report. No party seems to want to take accountability and get it corrected. I been turned down for credit with bigots when my credit score was XXXX. 

Thank You XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Not sure on dates but I have called many times about my account being charged twice for or for example the other day I only had XXXX dollars in my checking use it on gas next day it's saying XXXX XXXX dollars over how the XXXX this has been going on for years I have complained for years and nothing is solved the right way

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 2023-02-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
II have XXXX different account with Marcus XXXX saving and XXXX CDs. 
I have been trying to get my accounts closed and my transferred back to me since XXXX XXXX XXXX XXXX I was told, the account is closed but the closing process will take about 5 to 7 days and I should have my money back by XX/XX/XXXX XXXX 
I called back in XXXX, I was told, the account actually did not close in XXXX, it was closed XXXX XXXX and it will take 30 days for the process and for me to get my money back. 
I called back Monday XX/XX/XXXX, I was told account was still not closed. I once again initiated the close request wend through the verification process etc. I was told, I will have my Money by next day, since we completed the process prior to XXXX XXXX 
I called back on Tuesday XXXX XXXX  : I was told account is still not closed as they needed some verification from my other bank ( i stayed on a XXXX way call with Marcus and my bank till all information was verified ). Then Marcus said, they had everything now and I should have my money in XXXX to XXXX business days. Friday XX/XX/ : still no money : I called back and now I am being told that they dont have any timeline for the closeout process and once they have completed their process I will get my money. They can not say how long it will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is refusing to consider an application for a credit card for an XXXX spouse with access to household income. They have repeatedly said over phone they will only accept proof of individual income for the applicant ( like an individual XXXX ), and that proof of household income ( jointly filed XXXX ) is insufficient. Capital One phone representatives further claim they don't even have a way to process applications, or submit an appeal to the underwriting team, without a form of documentation of individual income, which does not exist for an XXXX spouse. 

The card was applied for in early XX/XX/2023. On XX/XX/XXXX, Capital One requested documentation, and we sent our jointly filed XXXX. On XX/XX/XXXX, we called Capital One, and they said the application could not proceed for the reasons listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have recently asked for the students loans to be blocked from my credit report because someone misuse my SSN number on top of the enrollment form to enroll me into the school and the student ID beside the SSN number is not the student ID used in school.I have asked Transunion to blocked or remove the information from my credit report because of the change of identity in school in the year of XXXX, all required documents has been sent to Transunion on XXXX XXXX and received XXXX XXXX tracking number XXXX XXXX XXXX XXXX XXXXXXXX XXXX.Later Transunion ask for a Police Report which I did filed one and had it notarized on XX/XX/XXXX and uploaded on their website which was received XXXX XXXXNow they are telling me that they can not blocked or removed it that was true why have the over credit bureaus removed the account from my credit report, Transunion has destroyed my life for the past 22 years with having my daughter SSN number as mine since the year of XXXX.From the beginnings the students loans were with XXXX how did they get to the US Department of Education ? Never once did I requested the student loans to be transferred to the U S Department of Education  at no point whatsoever.

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 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made to loans with Wells Fargo and I believe I was charge for extra fees and a way to high 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 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello I see a charged off on my credit report under this name XXXX XXXX XXXX XXXX XXXX XXXX. I've send a letter to XXXX and TransUnion with a detail letter. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropiate, based on the results of the reinvestigation : and

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 2023-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ZuntaFi Corp
State: GA

Complaint narrative:
I had signed on to pay by loan for a company named XXXX XXXX with XXXX XXXX. I received the loan double the amount due to my race. The loan with XXXX XXXX through ZuntaFi was for a 90-day trial based on my satisfaction with the training. I explained to them have never received any training from XXXX XXXX. Still, I had paid ZuntaFi since XX/XX/XXXX. When I filed a complaint against XXXX with the FTC after speaking with their representative, XXXX XXXX, XXXX, who said she would try to assist me in getting a refund. She asked me to XXXX XXXX and spoke with XXXX at XXXX, whose number was shortly disconnected. I spoke with XXXX XXXX again, and she asked me to speak with XXXX XXXX at XXXX, XXXX 's main number. I received a text asking if I needed assistance, but no one ever contacted me when I told them that I wanted a refund because I had never received any training. 

Today, I called ZuntaFi XXXX, returning a call from XXXX from XX/XX/2023, at XXXX pm, who was busy, so I spoke with XXXX, who told me that I had already spoken with him, which was not valid. My loan had been transferred to another lender : XXXX XXXX XXXX, XXXX. She gave me their phone number, XXXX, to contact them, telling me they were my service provider. She stated that an email was sent to me on XX/XX/XXXX XXXX XXXX  to notify me of the change and that XXXX had spoken with me regarding the change, which he did not. 

Coninsendially, I noticed that my loan with ZuntaFi was double the amount requested. I am not sure if it was because of race, but I have no other things to measure it by since my credit is good. Therefore, I would like ZuntaFi to honor the agreement with XXXX to refund my money which has previously done by XXXX XXXX XXXX. I was only contacted via text today by XXXX XXXX XXXX  giving a phone number of XXXX with account # XXXX at XXXX am. It states welcome to XXXX on the text from phone number XXXX. 

I am an XXXX XXXX senior, and I feel as if I have been royally royal jellied and that there are no solutions to this mess. I filed a complaint against XXXX XXXX, adding XXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
XXXX XXXX XXXX PROCESSED my credit card payment incorrectly .... They didn't make a payment instead tried to reload my credit card... You can't reload a credit card ... .. it's not a debit or prepaid card... .The store personnel is rude and threatened to call the police department because I'm asking about my money..This been going on since XX/XX/XXXX XXXX I've made XXXX calls and stops at the store and is being denied service/help ... My credit card company said that they PROCESSED the payment incorrectly... Provided them with the letter an that's still not good enough...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I did not receive a statement or other notification from Barclays ( servicing Old Navy Navyist Rewards card ) regarding a payment due on account. The first notification of late payment was from my personal bank credit score monitoring program advising that my credit score had been reduced from XXXX to XXXX. 

After seeing that Barclays had filed the negative item on my credit report, I tried to access my online account. I could not remember my password and I tried to restore access via automated methods. When this did not work, I contacted Barclays customer service who first advised I did not have an online account, but later found that Barclays had a " do not contact '' feature enabled on the account. Barclay 's customer service had to restore access to my account and waived the late payment fee. Once access was restored, I immediately made the payment. Shortly, thereafter, I received a letter advising contact had been restored on my account.

I do not dispute the amount owed, but I dispute Barclay 's making no effort to send me a printed statement or reminder via text, email, or other method before negatively impacting my credit score for something that could have been resolved in minutes, which could negatively impact my score for years.

I filed a dispute with each of the credit bureaus, with Barclays FCRA Credit Disputes Department, and wrote of my dissatisfaction with Barclays business practices to Gap Inc Customer Relations. 

Each of the bureaus advised that I should resolve with Barclays. Barclays advised that because the amount was past due, they would not be removing the negative reporting from my credit report. 

Below is the timeline of events : XX/XX/22 : received notification of potentially negative activity on credit report XX/XX/22 : contacted Barclays customer service : account access restored, late payment fee waived XX/XX/22 : paid account balance of {$150.00} XX/XX/22 : received letter from Barclays that my request to " resume all communication regarding [ my ] Navyist Rewards Credit Card Account '' had been restored XX/XX/22 : certified letter sent Barclays FCRA Credit Bureau XXXX department received XX/XX/22 : disputes filed with 3 credit bureaus XX/XX/22 : letter sent to Gap Inc Customer Relations Again, I do not dispute the amount owed or that the payment was late. However, I was unable to access my account, and Barclays made no effort to contact me to inform me of the debt. Nor to my knowledge did I ever change the settings on my account to receive no contact from Barclays.

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 2023-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
In XXXX with the Fair Credit Reporting Act and XXXX Account # 1. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Paramount Recovery Med Account Number. : XXXX {$930.00} 2. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX {$120.00} 3. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX : XXXX {$100.00} 4. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX  : XXXX {$750.00} 5. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX  : XXXX {$300.00} 6. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX : XXXX {$92.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 an unauthorize XXXX transfer to an unknown person of {$500.00} from my checking account. I immediately went to the Chase bank and asked to stop the transaction. Unfortunately they weren't able to, and they freezed my account at the moment. The banker told me it will be refunded to me after they done investigation. However, when I called the customer service, they told me that there were no fraudulent activities shown on my account, and they refused to provide me further information. This is not fair for a value customer of the bank. They should refund me the unauthorized transaction of {$500.00} as this is fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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:
This is a not a duplicate complaint and the reason of this complaint because I'm a victim of identity theft, my personal information has been stollen, and I'm a doctor on a wheelchair, I'm very limited to go anywhere. I can't file police report over the phone at this point. I recently checked a copy of my credit report and noticed some addresses reporting that do not belong to me or have been obsolete for an extended period of time. For the safety of my information, I hereby request that the following obsolete addresses be deleted from my credit reports immediately ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ABOVE ARE NOT MINE, AND MUST BE DELETED.

I have provided my identification card and social security card to verify my identity and current address. Please notify any creditors who may be reporting any unauthorized past accounts that are in connection with these mentioned addresses as I have exhausted all of my options with the furnishers.

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 2023-02-10 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: TX

Complaint narrative:
I am writing in response to your letter dated XX/XX/ regarding my complaint about the inaccurate and incomplete information on my credit report for the account listed below : Account Name : XXXX XXXX  Account Number : XXXX I appreciate the efforts made to reinvestigate my complaint, however, I would like to request that you provide me with proof that you actually contacted the data furnisher regarding my dispute. 

As you have mentioned in your letter, the data furnisher has responded and verified that the disputed information was accurate. However, I would like to request a copy of this verification to ensure that the information is indeed accurate and that it was not a mistake. 

I also remind you that, under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is obligated to conduct a reasonable investigation of the dispute, which includes verifying the accuracy of the information with the data furnisher. Moreover, if it is found that the information is inaccurate, the FCRA requires the credit reporting agency to promptly update the information in accordance with the results of the reinvestigation. 

Given the provisions of the FCRA, I expect that you will have no choice but to update my payment history to current and my status to paid as agreed and never late. 

Thank you for your time and consideration.

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 2023-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I had been getting calls from Dynamic Recovery Solutions every few months requesting payment on a debt owed. Each time I am contacted, I request a statement to be sent to me showing the original debt and charges that are on the bill but never receive anything on paper showing what exactly the debt is for. 
I received a call on XX/XX/XXXX from Dynamic Recovery Solutions again regarding a debt owed for medical bills incurred in XXXX, totalling XXXX. The representative said that it is for a remaining balance that is owed after the insurance coverage and since it has been more than XXXX  years from the date of the bill, my only option is to make a payment plan. I requested a statement to be sent again and he said that XXXX XXXX sent on XX/XX/XXXX. I told him that I have not received it yet again and will not make a payment plan until I receive proof of what the bill is for. The collection has now shown up on my credit report and I have still not received anything proving what the bill includes.

Company response to consumer: Closed with explanation