vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX, Capital One XXXX XXXX Card charged an annual fee of {$100.00}. We did not have a running balance on our card and did not receive statements. We did not know that there was a {$100.00} annual fee. Since we didn't have a balance and since we didn't know there was an annual fee, we didn't know we needed to make a payment. When the late appeared in our credit report, we immediately called Capital One to resolve the outstanding balance which was due to the annual fee, and late fees compiled with interest charges from the annual fee. 
- We paid the balance and requested two things. 
- One, to put us on an auto-pay so that we didn't run into the situation again - and two, to remove the credit late on our credit as we were not aware of the annual fee. The credit was resolved and we also thought the auto pay was established. 

Fast forward to the following year, in XXXX of XXXX, another annual fee was charged, however, the auto-pay was not established as we had requested previously. We found out this when we received an alert from XXXX XXXX. By then, the credit late, due to the annual fee, was already reported. 

I immediately logged into the Captial One portal, paid the outstanding balance due to the annual fee, and personally established the autopay. 

We are small business owners and we rely heavily on having great credit. We requested for Capital One to reverse the credit late recently added to our account for two reasons : 1. we asked that the auto pay be activated last year when this happened. We asked them to review the call recorded session from the prior conversation with the customer service representative. They said they would.

2. They auto payment was not activated by the customer service representative.

3. We disputed the credit lates but was denied and we will given the circumstances, it unjust.

Please kindly delete all credit lats with all credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I took out a loan with XXXX XXXX on XX/XX/2022 to pay off high interest XXXX XXXX XXXX Credit card in the amount of {$4600.00}. XXXX XXXX XXXX card switched to Marcus : by Goldman Sachs XXXX XXXX. The account number ending in XXXX was paid on XX/XX/2022 by XXXX XXXX bank for XXXX XXXX by electronic transfer. Trace # XXXX. Time was XXXX AM. Originator Info : XXXX ID XXXX, Originator Merchant ID : XXXX. Originator Name is XXXX XXXXXXXX XXXX. Telephone # XXXX, Email address XXXX. Merchant name XXXX XXXX, XXXX. Concentrator Name XXXX XXXX XXXX. Email : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
SOMEONE UNDER MY NAME OPENED A FRAUDULENT ACCOUNT WITH XXXX XXXX XXXX AND NOW OWES THEM XXXX DOLLARS. THE ACCOUNT HAS NOW BEEN CLOSED AND PASSED ON TO A COLLECTIONS AGENCY, PENN CREDIT CORPORATON. 
PENN CREDIT CORPORATION WANTS ME TO PAY A DEBT THAT DOES NOT BELONG TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: CA

Complaint narrative:
Charges were made on XX/XX/2022, for the amount of {$540.00} XX/XX/2022 MEMBERSHIP FEE JUN 22-MAY 23 {$0.00} FOREIGN TRANSACTION FEE {$270.00} INTEREST CHARGED TO STANDARD XXXX {$59.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXXXXXX XXXXXXXX XXXX - {$2.00} XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX {$540.00} XXXX XXXXXXXX XXXX XXXX {$830.00} XXXX XXXXXXXX XXXX XXXX {$870.00} XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$830.00} I filed a dispute online and by phone. Have reached out for help through CitiBank XXXX page. Filed a complaint with XXXX, XXXX, and XXXX. Emailed XXXX XXXX XXXX of CitiBank.

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 2022-07-11 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 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 non-monetary relief
Consumer complaint received 2022-07-11 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: MD

Complaint narrative:
THERE ARE XXXX DIFFERENT ACCOUNTS THAT IM NOT AWARE OF. IM A VICTIM OF IDENTITY THEFT. I HAVE ALREADY REPORTED TO POLICE, IVE CONTACT MY BANK SO THAT ACCOUNTS COULD BE CLOSED AND IVE UPDATED INFORMATION FOR PAYROLL WITH MY JOB. THERE ARE TWO ACCOUNTS FOR XXXX AND ONE WITH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have paid a car in full reported but they did not increase my score they keep decreasing my score with no reason reported unauthorized credit check with nothing done to please help report accurate info and delete false

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 2022-07-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act Us Dept Of ED/XXXX Account XXXX 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 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

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 2022-07-11 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: TX

Complaint narrative:
1. I sent a letter dated XX/XX/XXXX and addressed to TransUnion to the following address, TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX, XXXX, PA XXXX in regards to incorrect personal information on my credit report. In the letter, I informed TransUnion of the incorrect personal information. 

I requested the information be removed to display only correct personal information. I received a response letter dated, XX/XX/XXXX from TransUnion stating the following : " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party ... ... ... ... ... .. '' In their letter, they also requested a credit repair company identify themselves by providing proof that I gave authorization to a credit repair company to communicate on my behalf. 

There is no credit repair company or third party. As I sent the letters, it appears TransUnion responded to my request to buy themselves some time and declined to correct or remove the information. 

As I reviewed my credit report today, TransUnion recently added and updated my name as it is on the letter I sent to them and also did not remove the other incorrect information. My name is incorrectly spelled and I only go by one name. I want my personal information correctly reported. 

2. I sent a letter dated XX/XX/XXXX and addressed it to XXXX to the following address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in regards to an outdated address on my credit report. In the letter, I informed XXXX of the outdated address and requested it be removed. As I reviewed my credit report today, the outdated address is still on my credit report. I want my personal information correctly reported including current information, not outdated information. 

It has been well over 30 days and neither credit reporting company has corrected the errors as I have requested.

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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX i was sent email from XXXX XXXX XXXX saying that XXXX XXXX reported two cases at a home where I never rented from or signed a lease too on my credit report and consumer report. The property was leased to my father and we share a name. Its preventing me from renting a home for my XXXX child and family. I started a dispute process however, it can take up to 60 day when i have until XX/XX/XXXX. I never missed a single rental payment please help me clear my name. Equifax I believe is the credit report its pulling from ive told them in the past of this issue however it was never resolved even though i sent in documents XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This is in response to compliant XXXX for CFPB. I have submitted a fax to XXXX with the front and back of my social security card.You should be able to verify as of now. If not I can send additional information. The soft inquires that I am concerned about dates are from XXXX through XXXX. I think I have been a victim of fraud or identity theft. As you look over my file you will see I've disputed serveral of these items month after month. However, Equifax refuse to investigate and or remove these items. I have multiple disputes filed with Equifax with no avail. I have called several times as well about these items and still the same response. Now, I am receiving dna information from a company called XXXX to my email address but the name attached isn't my name. I also had a hard inquiry from XXXX XXXX in XXXX XXXX. Along with a po box and a physical address both in XXXX XXXX. I have never been to XXXX XXXX nor have I lived there. I am a XXXX so there's no need for restaurant equipment. There are hundreds of soft inquires that I didn't do. There are so many there I can't list them all. Please help me and thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: PA

Complaint narrative:
I am writing to delete the following information in my file. These unauthorized inquiries need to be deleted and are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-07-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act Us Dept Of ED/XXXX  Account XXXX 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 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

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 2022-07-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act Us Dept Of ED/XXXX  Account XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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:
In accordance with the fair credit reporting act convergent accounts -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX XXXX XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: MA

Complaint narrative:
SoFi XXXX offered a promotional bonus to convert from their " Money '' account product to their new " Checking and Savings '' accounts. The bonus terms require direct deposits totaling > $ XXXX within 30 days of the account conversion for {$300.00}. I satisfied the direct deposit requirements but have not received my bonus. 

XXXX : I receive a marketing email about the bonus and save it as a PDF XX/XX/XXXX : I navigate to the promotional terms as shown on their website and save it as a PDF before enrolling XX/XX/XXXX : I convert my " Money '' account to " Checking and Savings '' XX/XX/XXXX : I receive a {$4600.00} direct deposit from my employer ( XXXX ) into the account XX/XX/XXXX : I receive a {$4200.00} direct deposit from my employer ( XXXX  ) into the account XX/XX/XXXX : Having still not received my payout, I contact their customer service via " Live Chat '' and am told : " SoFi XXXX members who previously received a bonus for enrolling in direct deposit do not qualify for this promotion ''. These terms were NOT present at the time I enrolled in the bonus- they were retroactively added by SoFi well after my enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
XXXX XXXX XXXX Hawaii XXXX XXXX XXXX XXXX XXXX continues to improperly report this XXXX  bill as a late payment and unpaid bill on my credit report. I paid this out of pocket and my insurance paid the balance. I've already explained this to the collection agency and they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following XXXX accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via 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 non-monetary relief
Consumer complaint received 2022-07-11 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following XXXX accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
We had been working through financial problems with XXXX XXXX XXXX and had just paid off a settlement of our Bank of America card ending in XXXX. The settlement amount agreed upon by Bank of America was {$14000.00}. The settlement date was XX/XX/2022. 

XXXX XXXX XXXX paid our two cruise refunds, {$6200.00} and {$5800.00} ( totaling {$12000.00} ) into this credit card ( ending XXXX ) on XX/XX/2022, just before the card was closed but the cruise refund was paid in just prior to closing, and the bank kept the refund. 

Bank of America had agreed on the settlement amount of {$14000.00}, which was paid to them a month prior to the refund being paid into the card but they also took the cruise refund of {$12000.00}. 

We are hoping that it is possible to get the {$12000.00} back from them and paid into our bank account. 

Can you help? I have all the emails and the settlement letter.

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 2022-07-11 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditoXXXX XXXX XXXXpened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief