vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. I possess no relevant information on this matter, and the company proceeded without seeking my approval.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Good day to I am not sure as to what dates the incorrect information was on databased but i have incorrect inquires on my credit report that I have not assigned to be there.

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 2024-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
we opened an account with Bank of America in XXXX, it was a HOME EQUITY LOAN, the interest was variable. In XXXX Bank of America sent us a reminder that the borrowing period of our line of credit will end in XXXX, offering us to applied for a repayment term extension, we applied and they approved us. the new loan was signed on XX/XX/XXXX total loan amount {$320000.00} Fixed rate ( 5.073 % ), XXXX months monthly payment of XXXX All good until XX/XX/XXXX when Bank Of America sold our loan and the new bank sent us the welcoming letter saying that our original loan is XXXX from XXXX. the interest rate is XXXX0 %, the principal balance now is {$160000.00} and the monthly payment is {$2500.00}. 
As soon as I saw all the numbers and dates I started to call the new Bank ( XXXX a division of XXXX ) but since XX/XX/XXXX they keep saying they will fix those numbers and nothing changes. Today I called Bank Of America to try to understand what they transfer but Bank Of America says that the original loan was variable and they only transferred the variable not the Fixed Loan.

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 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Someone I know accidentally sent me {$62.00} meant for someone else today ( XX/XX/24, transaction # XXXX ) and I have been trying to reverse the payment. My venmo account has been negative {$130.00} because they pushed through a payment without debiting my bank account first. I did not have enough funds, but the payment still went through. Since the {$62.00} was not meant for me, I have been trying to reverse the payment so my friend can pay the right person. I do not have the funds to send, I am broke. Venmo said I just need to send her the money back, but I physically can not do that, I have literally {$4.00} to my name right now. Venmo stole {$62.00} from my friend and is holding it hostage, after pushing through a charge on my account that should have never been approved. I haven't been able to pay Venmo back due to other bills that are of a higher priority, like rent and utilities. Venmo will not work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not consent, nor benefit from, or authorize any of the following Accounts : XXXX. XXXX XXXX XXXX XXXX report furnished by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - report furnished by Experian. XXXX. XXXX XXXX XXXX XXXX - report furnished by XXXX. XXXX. XXXX XXXX XXXX XXXX - report furnished by XXXX XXXX XXXX. Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I need help from the CFPB to assist me in obtaining my rights as a XXXX XXXX XXXX I am a homeless XXXX XXXX XXXX I reached out to Equifax on two separate occasions starting XX/XX/2024 uploading my XXXX XXXX documentation which consist of : ( i ) Victim determination ( A ) ( 2 ) Non-governmental organization, authorized by a federal, state, or tribal governmental entity to make such a determination ; also ( C ) is of a signed statement by the consumer attesting that the consumer is a XXXX XXXX XXXX  if such statement or an accompany document is signed or certified by a representative of an entity described in paragraph ( b ) ( 6 ) ( i ) ( A ) or ( B ) of this section. ( ii ) Identified adverse items of information. ( A ) ( B ) Proof of identification which was ID, social security card, bank statement and all documentation of determination. I reached out to Equifax on two different occasions asking that the items in my credit report that were the result of XXXX XXXX be blocked from credit report. I was told by Equifax, they weren't willing to accept the documentation because Equifax wanted me to use another governmental agency to do my determination without doing this my documents wouldn't be accepted, nor approved. I'm asking the CFPB to look into Equifax Willful noncompliance of the Final Rule 1022.142 ( b ) ( 6 ), 1002.142 ( b ) ( 2 ). I don't want this case closed until the items that are in my credit report that were the results of XXXX are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION
State: GA

Complaint narrative:
My employer is moving its XXXX XXXX to XXXX from XXXX. There was a form to fill out and a procedure to follow to make this transfer of my funds to the XXXX account happen. I followed the instructions to the letter. I have been waiting to see when this would happen and it has not. Next I get the attached letter from XXXX informing me that I can keep my funds with them. I DO NOT WANT TO KEEP MY FUNDS With XXXX  They are an administrative mess and run their company like a third world government agency. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Tue XX/XX/XXXX XXXX PM My spouse and I have been deeply troubled and experiencing heightened XXXX  due to the ongoing and imminent risk of having our cherished residence subjected to public auction by the debt collection agencies Real Time Resolutions , IncXXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Our initial home purchase took place on XX/XX/XXXX, during which we, inexperienced in real estate matters, placed our trust in the loan agent and the bank. 

Regrettably, our mortgage arrangement consisted of both a primary and secondary loan. The ten percent down payment, totaling over {$30000.00}, was not specified in the loan documentation. Furthermore, the secondary loan amount of {$34000.00} was unlawfully transformed into a HELOC account, without my knowledge or consent, resulting in a modification to {$90000.00} on XX/XX/XXXX, in collaboration with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name on falsified documents. 

Subsequently, a further fraudulent transaction occurred on XX/XX/XXXX, amounting to an additional {$90000.00}, bringing the total to {$180000.00}. None of the loan agents involved in these deceitful transactions, including the Notary Public XXXX XXXX XXXX, have been held accountable. 

Despite our efforts, no individual has been identified as responsible for these deceptive practices. Authorities, including the FBI, have cited statute of limitations issues, hindering the pursuit of legal action. 

Multiple complaints were filed with various regulatory bodies and financial institutions, such as the Federal Trade Commission, the California Attorney General 's Office, and the Consumer Financial Protection Bureau. However, the response from XXXX XXXX XXXX XXXX XXXX and relevant personnel was perceived as inadequate and uncooperative, despite compelling evidence of fraud presented during investigations. 

Subsequently, we engaged the services of a real estate attorney, who affirmed the injustice of the debt collector 's pursuit of {$180000.00} upon reviewing the documentation, highlighting discrepancies in loan eligibility criteria and documentation integrity. 

Real Time Resolutions , Inc. and XXXX XXXX XXXX XXXX have persistently threatened foreclosure and auction of our property, causing significant mental distress, financial hardship, and emotional turmoil for our family. 

We seek resolution and restitution for the distress caused by the fraudulent actions of XXXX XXXX XXXX XXXX. This situation has inflicted severe mental anguish, and financial strain, and disrupted our peace of mind. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2024-03-19 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
While looking at my credit report, I realized that there are several unknown inquires on my report damaging my score. According to the 15 U.S.C 1681 law there should not be any damages on my report, this is a defamation of character. 

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
was over charged for my credit card for XXXX for XXXX balance that I reported that I didnt make from late fees on my account they keot charging me so I have a XXXX balance iwed with 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
was over charged for my credit card for XXXX for XXXX balance that I reported that I didnt make from late fees on my account they keot charging me so I have a XXXX balance iwed with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
was over charged for my credit card for XXXX for XXXX balance that I reported that I didnt make from late fees on my account they keot charging me so I have a XXXX balance iwed with XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I noticed my account was in the negative. So, I went to the bank to inquire about the negative balance in my account. The representative gave me a number to call XXXX. I called this number. It is XXXX XXXX XXXX XXXX XXXX. I never did business with this company. I do not owe them nothing. I want my money ( funds ) back into my account. Please help? Thank you.

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 2024-03-19 00:00:00
Product: Credit card — Store credit 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: PA

Complaint narrative:
On XXXX XX/XX/year>, my husband and I were victims of identify theft. 

We experienced delivery packages worth thousands of dollars arriving at our front door from XXXX, which we absolutely refused to accept and were immediately reloaded onto the truck XXXX. XXXX corrected the purchases, merchandise was accounted for and all was well. 

However, a package arrived from Macys. It wasn't ordered by us. Once again we had the carrier open the package. It was a pair of women 's boot worth {$380.00} charged to my account. I refused the package and the postal employee returned it to Macys. 

In XXXX we notified XXXX, XXXX, and XXXX of our situation, We contacted XXXX on three occasions after receiving their letters informing us if this isn't paid they will report us to the three consumer agencies, which are all aware of our XXXX situation. 


..

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 2024-03-19 00:00:00
Product: Credit 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding Misleading Advertisement and Unfulfilled Promises I hope this message finds you well. I am writing to express my deep dissatisfaction with the service I have received regarding my recent application for the Capital One Quicksilver Rewards Credit Card. 

In XXXX, I applied for the Capital One Quicksilver Rewards Credit Card enticed by the advertised sign-up bonus of {$200.00} upon spending {$500.00} within the initial three months of card ownership. I promptly met this spending requirement within 20 days of receiving the card, eagerly anticipating the reward. However, to my dismay, despite adhering to the terms and conditions, the promised reward was not credited to my account. 

Upon contacting Capital One, I was assured by a representative that my account was indeed eligible for the {$200.00} rewards and that they would be added upon completion of the three-month period. Understandingly, I waited patiently for the specified duration, only to be met with disappointment once again when no reward was forthcoming. 

Subsequently, I lodged a complaint with Capital One, providing them with all relevant details, including the assigned complaint number : XXXX. After three days of waiting, I received a response stating that my account was not eligible for the rewards as I had applied for a different credit card than the one advertised. This assertion contradicted the assurance provided by your representative earlier, leaving me feeling misled and unfairly treated.

Moreover, I find it unacceptable that despite Capital One acknowledging their representative 's error, no satisfactory resolution was offered. Instead, I was merely compensated with a meager {$25.00} reward as a token gesture, which does not adequately address the issue at hand. 

Furthermore, my disappointment is compounded by the discovery of numerous similar complaints from other customers who have experienced similar instances of misleading advertising and unfulfilled promises. It appears that Capital One 's marketing tactics, particularly the design of their website, may deliberately confuse customers into applying for different credit cards than intended.

I want to reiterate that I meticulously researched the Capital One Quicksilver Rewards Credit Card and its associated terms and conditions before applying. I followed all guidelines to ensure that I applied for the correct card that explicitly advertised the {$200.00} bonus. 

In light of the aforementioned issues, I urge Capital One to rectify this situation immediately by honoring the original agreement and crediting my account with the promised {$200.00} reward. Additionally, I implore you to review your advertising practices to ensure transparency and clarity for all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I trust this message thinks that you are well. I'm writing to communicate my anxiety and present a protest to CAPITAL ONE with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. 
Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection.

Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, CAPITAL ONE will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

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