vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact capitol one for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I made monthly payments on the outstanding debt as ordered by Selip & Styliano LLP. I do not think those lawyers actually exist. Can CFPB check to see if these lawyers actually exist because they refuse to come to the phone. A lawyer who is collecting debt should not refuse to come to the phone. I have only been able to speak with " non-attorney '' representative, like XXXX XXXX, who refuses to escalate my problem. I have made all of these payments for the last 3 years but they are not showing I am paid off and refuse to verify what they have received from me. I want total discharge of this debt that I have paid over the last 3 years. This law firm of Selip & Stylianou LLP should be disbarred. They collect money for collecting debt but don't actually exist and will not address consumer concerns. I asked for their help but they refuse!!!!!! 

SELIP & STYLIANOU , LLP - THEY SHOULD BE DISBARRED!!!!! 
Attorneys at Law 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
My complaint is for XXXX and USAA bank. 
On XXXX XXXX XXXX. I called my bank immediately after sending a zelle payment to someone who said that they never received the payment for goods to be received later on that day. 
USAA stated that they would investigate and sent me a letter stating that the persons bank has declined to send back the payment and XXXX hasnt responded. 
The person the money was sent to, was supposedly a trusted friend of a coworker. After sending the funds the person said that they never received the money because the email address was off by 1 letter. The person would not give a new email address and stoped all communication with coworker. Clearly this person is committing fraud and that persons bank account has to be receiving several requests for refunds or reversals concerning this persons account and just ignoring that it is happening. As of today I am out of {$150.00}. with no response from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I bank with WELLSFARGO On XX/XX/XXXX I mailed my rent check to my landlord as I normally do every month. My check was stolen and cashed and edited to be another payee who receives it. My bank fails to work with me to investigate and return my funds as my check has been fraudulently cashed. I need my refund and this to be investigated because my rent is still due.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
We have an XXXX XXXX XXXX through Comenity Capital Bank. I had been carrying the entire credit line as a balance through about XXXX of XXXX. I then paid the balance in full and have been carrying less than 10 % of the credit limit as a balance every month since. Comenity has not updated any bureau to show that I have paid it completely down and have maintained an extremely small balance since. They stated they have technical issues preventing them from updating the bureaus that they have been unable to resolve for most of the year. This is willful member harm as my credit report shows that I continue to carry the full balance every month and does not reflect several months of more conservative use and payments. The required minimum monthly payment still shows as if I am carrying the full balance which would result in accurate debt obligations should I apply for credit ( which I have been planning for solar panels but this account will not update ). If they can produce monthly statements with accurate information then they should be able to update the bureaus with the same information. This is consumer harm and violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: PA

Complaint narrative:
I'm writing this on my own - stop assuming it's a 3rd party. 
This AGENCY is violating my privacy and rights and have continued to do so despite me pointing out in the last 3 letters that they have INACCURATE data in my report which MUST be deleted in accordance with the FCRA. In addition to information being inaccurate, a proper investigation has not always been performed because at times, the status of the accounts in question NEVER changed after the 30 days they take to investigate. I am giving you directions to avoid litigation to delete the 2 accounts in question based on the inaccurate data I pointed out to your company in the last 3 letters. Attached is the last letter in which you can see the additional inaccurate information for the accounts in question.

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 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WV

Complaint narrative:
On XX/XX/XXXX I called Chime about an account opened in my name that XXXX warned me about. After talking to a support person at Chime that I could barely understand, or hear, and they could not understand much of what I was saying they put a hold on my account because they did not understand the situation. I replied to the e-mail with the information they requested ID card, and what not. At this point they closed my account. 

" Were sorry to share the news that we have decided to close your Chime XXXX XXXX XXXX Credit Card Account and Chime XXXX XXXX XXXX Account, effective immediately. 

Your account was closed for the following reason ( s ) : We were unable to verify your identity. 

At this time, you are not eligible for a refund of any remaining account balance. '' I sent all of the relevant information they asked for that 100 % verifies my identity, and they closed it stating they couldn't. At this point I sent them a support e-mail trying to recover my account. 

The only information they will give me now is as follows. 

" Weve determined your account is not in compliance with Chimes internal policies and member agreement executed at enrollment. '' As soon as they closed my account for no reason I changed my direct deposit to go back to my other bank account. Today when I was paid the deposit went to Chime, which is closed. Now they are holding all of my money including direct deposit for no reason, and basically have said I will not be getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: AL

Complaint narrative:
I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact XXXX XXXX for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit

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 2022-12-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact XXXX XXXXXXXX for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: AL

Complaint narrative:
I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact XXXX XXXX  for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: OH

Complaint narrative:
Upon checking my credit report, Ive noticed some unauthorized & unverified inquiries on my credit report according to the FCRA legally, these items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
For the past week ( since Thursday XX/XX/2022 ) I have been reaching out to Equifax trying to fix a credit error XXXX  on my credit report. My credit was ran by a potential apartment complex that I am trying to move into and the credit error was sent back which has put my application on hold. The first time I have spoken with Equifax, I was transferred to a specialist where I gave my verification documents via XXXX and was told that they would call back after XXXX hours. I never received that call. I have called Equifax everyday since then and have been giving the run around. This issue hasnt been solved yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: AES/PHEAA
State: IL

Complaint narrative:
FedLoan, the loaning agency previously held onto my student loans which I had paid in full, and on XX/XX/XXXX I requested a {$10000.00} refund which I hoped to get forgiven through the Student Loan Forgiveness plan. They initially told me it would take 2-4 weeks to get my loan back. Shortly after this window passed I called again and was told I was mistakenly told wrong information and that it would *actually* take 6-8 weeks. I asked for a hard deadline of when I should be expecting this refund to process since they had already passed the window initially given and I wanted to be able to plan financially. They told me objectively I should see this processed no later than the end of XXXX. The end of XXXX has come and this still never processed. They have now stated they no longer handle student loans and to reach out to the assigned company, but no company has been assigned to handle my loans. I do not know if this refund is still going to happen at this point but I want to know what to expect so I can plan accordingly. I am upset that FedLoan lied to me, not once, but twice, about this planned time frame for getting the refund as I am now unable to even apply for the forgiveness since it has been blocked by the Texas judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
On the date of XXXX XXXX I was sent a letter from SouthWest Credit Systems L.P. Stating I owed a debt of {$1500.00} represented by XXXX XXXX trying to collect a debt that was not owed at all. XXXX XXXX XXXX Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

So me knowing this I sent XXXX a letter stating this so Im guessing they XXXX my amount then sold it to southwest credit systems L.P . Which is not accredited to even collect in the state of pa. I will submit the info that shows theyre not a credited also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We have an XXXX XXXX XXXX through XXXX XXXXXXXX XXXX I had been carrying the entire credit line as a balance through about XXXX of XXXX I then paid the balance in full and have been carrying less than 10 % of the credit limit as a balance every month since. XXXX  has not updated any bureau to show that I have paid it completely down and have maintained an extremely small balance since. They stated they have technical issues preventing them from updating the bureaus that they have been unable to resolve for most of the year. This is willful member harm as my credit report shows that I continue to carry the full balance every month and does not reflect several months of more conservative use and payments. The required minimum monthly payment still shows as if I am carrying the full balance which would result in accurate debt obligations should I apply for credit ( which I have been planning for solar panels but this account will not update ). If they can produce monthly statements with accurate information then they should be able to update the bureaus with the same information. This is consumer harm and violation of the Fair Credit Reporting Act.

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 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-12-16 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: MD

Complaint narrative:
I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

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

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 2022-12-16 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: MD

Complaint narrative:
I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX CARD - XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Processing XX/XX/2021 TransUnion XXXX XXXX XXXX XXXXXXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 TransUnion XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 TransUnion I requested that they remove these unrecognized inquiries. I was treated rudely by one agency.

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