vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I received notice from credit monitoring service that hard inquiry was placed on my account for Application for credit card with XXXX XXXX. I did not authorize or no anything about this. It is fraudulent and I want who ever did this caught and my credit report repaired.

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 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was told I had to wait 180 days for my balance to available to withdraw. It has been over 180 days and PayPal will not email me back theyre message center always says try back durning business hours even though it is well within business hours. I have called and been placed on hold for over an hour and then hung up on. All I want is my balance sent to my bank and then be done with PayPal forever this is the most ridiculous thing I have ever been through for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
so I had 2 offers on both my capital one cards one ending in XXXX and one in ending in XXXX and they both had an offer for direct tv to get 50.00 statement credits back on both accounts one 50.00 credit for each so I did everything I was supposed to do to get those credits back and know capital one its going to take XXXX months to get these statement credits back I am very upset and it should take this long there customer service is horrible and you can ever get a hold of someone above a supervisor on the phone I have emailed that cooperate offices about this many executives and no one ever responds to my emails what kind of XXXX customer service is this all you do is get the same runaround all I want is my 50.00 statement credit s on both of my account s and they make it like an act of congress

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to one of the Home Depot location in XXXX XXXX XXXX to purchase materials for a fence and patio enclosure project. While checking out, the cashier suggested that I apply for a Home Depot credit card to take advantage of 12 months 0 % interest promotion. I applied, application was approved and I funded the project through the card. Ive made on time payments and was NEVER late. On XX/XX/XXXX I called to payoff my balance in full but was told my balance that was {$2000.00} had increased to {$4200.00} due to backdated interest. 

Ive never in my life heard of such condition when it comes to promotional interest. Like all bank credit cards, I was under the impression at the end of the promotional period Ill be charged on interest on the current balance not on what the balance was before I paid it down. The problem with this is that the cashiers are instructed to push these cards without providing proper explanation to customers ( not their fault ). In banking, When a banker or credit card specialist have a customer apply for a credit card, theyre required to provide the proper disclosures and go over the terms of the card before customer agrees to move forward with the application. Why isnt Home Depot held to the same standard when it comes to their cashiers selling/recommending their credit cards? 

Finally, after many failed attempts in trying to work with Citi/Home Depot to pay off my balance without the ridiculous amount of backdated interest, the card was charged off and sent to collections. I settled the account on XX/XX/XXXX to bring it to 0.

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 2021-11-26 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: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: CA

Complaint narrative:
On XX/XX/2021i sent in disputes against many inacuracies i have spotted. Under XXXX XXXX XXXX there was also fraud accounts. I am seeking litigation against these companies and i want to see the original contract these " collectors '' are claiming XXXX XXXX XXXX. The bureaus have taken longer than XXXX days and is affecting and violating my rights and freedom as i am looking to purchase property.

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 2021-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Went to Bank of America XXXX XXXX XXXX, at XXXX XXXX in XXXX XXXX to access safety deposit box XX/XX/XXXX. Branch was Closed despite regular banking hours. Sign said closed due circumstances beyond their control so I emailed branch to set up access. Then drove to another branch in XXXX on XXXX XXXX XXXX XX/XX/XXXX to ask why my branch was closed and asked about arranging access to deposit box. They could not do either and told me their branch is affiliated with XXXX and not in the XXXX jurisdiction. 
After XXXX hours and no contact, I emailed again XX/XX/XXXX. BOA branch on XXXX XXXX XXXX called and left a voicemail message so I called right back and could not connect with them all bankers busy helping other clients. I tried again XXXX minutes later, got connected and was told someone would call me in XXXX minutes. 

Prior to this, access to the XXXX XXXX branch was disrupted and closed due to XXXX then a renovation but was fully functional beginning XX/XX/XXXX. Throughout these XXXX  months access the safety deposit box was by appointment only At that time BOA permanently closed the next closest branches snd had failed to notify clients of any of the closures along the 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 non-monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just received my credit report and noticed someone used my personal information to apply for numerous things

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account XXXX XXXX XXXXs outdated and being reported incorrectly. The account is outdated and should be removed, Experian is reporting the tradeline as charged out with a negative balance. XXXX and XXXX is reporting this tradeline correctly.

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 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I moved recently to my new house and was trying to transfer my previous apartment on a sub-lease. I posted vacant apartment advertisement on wXXXX email XXXX phone XXXX. 
I received XXXX offers for rentals, first one by a man from XXXX who was moving to Washington DC, in chain of emails he sent me a check from his company, which never arrived and later on contact I never heard from him back. 
Few days later another man with name XXXX XXXX XXXX Phone XXXX, email XXXX XXXX emailed me a check of first months rent and deposit amount total {$XXXX}. Instead of this amount he sent me {XXXX} check XXXX. XXXX, which I deposited in my account, and following day it went through, and amount came in account. He then asked me to return his extra amount as his company included his moving expenses in the final check. In a written e mail he provided me Bank of America account with routing number for the transfer. Which I did following day. 
Today XXXX/XXXX/2021 when checked my account I saw an over-draft fee on my account by the Bank, that meant that the check that he had sent me via email bounced back, it did not go through while the amount I transferred to the account he provided, it went through. ( See attached print out of the email with account information. 
I spoke with Bank of America and reported a financial fraud and scam. Bank of America gave me fraud claim tracking number XXXX. 
In this scam I am victim of financial fraud and I have suffered losses of {XXXX}. 
I want this case to be investigated. 
I also want to report the other person who was trying to use similar methods of fraud from XXXX. I am providing his emails that shows people like them are out doing frauds with innocent people like me. Their modes operandi is same. 

Applicant

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 2021-11-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
OnXX/XX/XXXX i sent in disputes against many inacuracies i have spotted. Under 15 USC 605b there was also fraud accounts. I am seeking litigation against these companies and i want to see the original contract these " collectors '' are claiming 15 usc 1681a. The bureaus have taken longer than 30 days and is affecting and violating my rights and freedom as i am looking to purchase property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX am I was notified by email that there was a login to my Chime account from XXXX from an XXXX device. 

I do not have a Chime account. 

On XX/XX/XXXX at XXXX am I received an email welcoming me to my new Chime account, asking me to set up direct deposit. 

I replied to XXXX and let them know I did not sign up for a Chime account. 

On XX/XX/XXXX I received an email letting me know that a Chime XXXX XXXX XXXX is being shipped to me at my home address, but that purchases can be made through the app while the physical card is on its way. there is no phone number in any of the emails to call Chime. 

I did not sign up for a Chime account. 

I have tried calling a few chime customer service numbers I found on the internet, but I have not been able to speak with a human. I want to cancel this account. I did not sign up for a Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have the care credit card and I am seeing a lot of other are getting targeted for the care credit XXXX and I would to include myself in that offer so I called customer service talk to all these worthless reps overseas that have no idea what I am talking and wait for a manager and there is no way these reps can transfer to a manager the call stays of hold for ever and they can never get a hold on the don't want kind of customer service synchonary is running but its the customer service in the world and something needs to be done about it. all I want to do is try to upgrade too the care credit XXXX I have my run ins with shynchnoary have used to be able to get hold of the cooperate offices but no more they changed all the phone numbers and you cant get a hold on anyone at all I left messages on XXXX XXXX voice mail and have no heard a thing back and I even XXXX XXXX and XXXX XXXX and have not heard back one single thing this is the only way to ever get a hold on anyone

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 2021-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: AR

Complaint narrative:
XXXX sold the account to XXXX, THIS ACCOUNT WAS DISCHARGE IN XX/XX/2021. WE WILL RE-OPENING XXXX TO FILE ADVERSARY LAWSUITS AGAINST BOTH. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
My card shows that funds do not expire. However, I have been charged a $ XXXX Post-Expiration Monthly Account Management Fee since the expiration date on the card until the funds have been completely depleted. THe company that held the funds for this card is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
Carrington mortgage service I was on XXXX since XXXX of XXXX I re submitted to extend my forbearance XX/XX/XXXX XXXX.pass due {$22000.00} I Was never informed that I was denied forbearance I received a letter in the mail certified thats said intent to foreclose. 
I contacted Carrington Mortgage service Informed them I received a letter fir foreclosure Custumer service rep said that my XXXXXXXX was not extended and that I had to pay totally pass due or would be foreclosed and that they sent me a letter stating I exhausted XXXX months I stated I did not receive such a letter in the mail and that online email stated the forbearance was being processed custumer service no it was denied also today XX/XX/XXXX I received the letter supposedly sent that my forbearance was XXXX  months complete yet the left stated that I voluntary canceled XXXX  this is out right lie by carrington Mortgsge as I have an email confirmation from when I applied to extend my forbearance dated from them XX/XX/XXXX Now I dont trust them at all custumer service on phone call stated they terminated because I reached XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COMMERCE BANK
State: AR

Complaint narrative:
commerce sold the account to XXXX, THIS ACCOUNT WAS DISCHARGE IN XX/XX/2021. WE WILL RE-OPENING XXXX TO FILE ADVERSARY LAWSUITS AGAINST BOTH. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX OF XXXX XXXX Balance : {$440.00} Collection XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2021-11-26 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: DE

Complaint narrative:
Hi, I am XXXX XXXX and these inquiries are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report violation of : XXXXPrivacy act of 1974 -15 usc 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
It started at XXXX on XX/XX/2021. Needed a new device and noticed XXXX had a feature on their website for 'Prequalify '. It said you can prequalify for 0 % financing before you start shopping. I did this and was approved. I was sent an email with " You're approved for a credit card from XXXX! ". I figured out what I wanted and was ready with my product and with the thought of an approved credit I was going to check out. I started the check out process and when asked for pay options I chose XXXX XXXX. I was asked the same questions I had just answered about my personal finances which I thought was normal. I completed my check out and received my order confirmation. I received another email congratulating me on being approved for XXXX XXXX. This was confusing since I thought I was already approved for XXXX Credit Card and now I was being issued a credit account thru XXXX XXXX  I feel this was all very misleading from 'Prequalify ' to the XXXX XXXX XXXX out function. When I called XXXX directly they said I basically have XXXX credit accounts now. I told them this is unacceptable and felt mislead. They transferred me to financing directly and was advised to simply close the credit account ( s ) if I didn't want them. I immediately cancelled my order thru XXXX and simply used a debit card until I knew how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Loan was paid in full on XX/XX/XXXX. However, Navient failed to update autopay and debited {$230.00} from my checking account on XX/XX/XXXX. As of this writing on XX/XX/XXXX, I am requesting a refund and confirmation that auto pay is turned off. They have not been responsive via phone call or email.

Company response to consumer: Closed with explanation