vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been a consumer of XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very XXXX. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted XXXX and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but reported Me to the Credit Bureau as delinquent. I wrote them a write letter and email them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested from them due to such unfortunate situation being out of my control would they make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX XXXX XXXX son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to have this delinquent reporting pulled from My Credit Bureau. 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 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021 I made a purchase through XXXX using the Venmo Debit card as my preferred card of payment. It was initially declined because I forgot to link my Venmo Debit card with my bank to take out whatever cash was necessary incase the fund in my Venmo account was insufficient. 

I then linked my Venmo card to my Bank and did the process again in purchasing my tickets to XXXX. This cleared through XXXX and I received the receipt from XXXX that the purchase was complete and paid in full. As Venmo used the money in my account and supplemented it with about XXXX XXXX from my bank account. Later that day, I then received some money transferred into my Venmo account by another party at the same time At about XXXX XXXX XXXXo XXXX the same day I attempted to transfer the XXXX dollars into my own bank account. However, Venmo would not allow me to transfer the money. Then I received an e mail stating my Venmo account was frozen. No rhyme no reason just frozen. It then stated that I need to send a copy of my ID, which I sent. This does not make sense as all the accounts are in my name, and they all have my personal information in file. I am now told that their turn around time is over 8 days and I can not access my money. 

thanks you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I am in forbearance with my federal student loans and my mortgage company based in not having a job because of Covid restrictions. 

Now that Covid restrictions are easing up I have a part time job and I have interviews for full time jobs. Three of the full time jobs I've applied for will be doing background clearances which include looking into my credit reports. 

I have been on forbearance with both Carrington Mortgage and XXXX student loans. Both are reporting me to the credit bureau as default. My credit report went from a XXXX down to a XXXX. I'm in default even though I have been and currently still am on forbearance. 

This issue is going to prevent me from receiving a clearance. I know this because I previously did background clearances for the federal government. 

Can you please assist me in how to fix this issue? 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ON XX/XX/XXXX. I was a victim of identity theft. Some could have been a friend, family member, or someone in general in fraudulently applied to XXXX XXXX XXXX. I didn't not consent, authorized, benefit, apply to nor use XXXX XXXX  programs or products. I have reached out to XXXX, XXXX, and Experian about the matter and they all responded that the reporting company has verified the information. I have filed an FTC identity theft report. I want this inquiry blocked and deleted. It's one of the inquiries that I have complained about that is stopping me from attaining XXXX XXXX  XXXX because of their XX/XX/XXXX rule. 

I have also filed a previous CFPB complaint about the reporting of the aforementioned companies reporting inaccurate unverified information lacking maximum accuracy. 
See FTC Identity Theft Report : # XXXX and CFPB # 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 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the XXXX I charged XXXX when my account had XXXX dollars in it. That nigh they charged me a monthly fee and overdrafts my account. Then charged me XXXX dollars because they over drafted my account. When I called them they said that it was my XXXX dollar charge that overdrafts the account and refused to address how thats impossible. That kept trying to give me the run around about oh our stuff goes automatically but the other stuff isn't until the next day. They do this on purpose, and my account had XXXX XXXX before I spent money. Then they charged me and put me negative and then charged me again. They blame me but they do this all the time. I explained how its impossible and they just keep repeating like robots they can't refund me. They are stealing from me overand over and I want to close my account but I cant while its negative.

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 2021-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion lowered my credit score without reason. I contacted them and they refuse to review my account.

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 2021-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This credit was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: CA

Complaint narrative:
This account is not charge off, I have made consistent payments and have not been late for this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: FL

Complaint narrative:
The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

This is NOT a credit repair company. This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : XXXX XXXX XXXX and XXXX XXXX XXXX. Fraudulent accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX 3 accounts ), XXXX XXXX XXXX. 2 Collection Accounts : XXXX XXXX and XXXX XXXXXXXX XXXX 

I am asking EQUIFAX, XXXX and XXXX to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX  and my XXXX insure since i been declared XXXX since XXXX please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true 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 2021-06-03 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: FL

Complaint narrative:
this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX and my medicaid insure since i been declared XXXX since 2016 please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: CA

Complaint narrative:
I sent a letter on XX/XX/21 to Experian disputing wrong information on one of the accounts on my credit report. I asked them to remove the account since the info is erroneous, inaccurate. 

I did not hear back from Experian in more than 30 days. I sent them a second letter on XX/XX/21 demanding to remove this account from my credit report. Under the Fair Debt Collections Practice Act ( FDCPA ), I have the right to dispute any information that is inaccurate in my credit report and the bureaus have the obligation to investigate within 30 days and if they can't verify or do not respond ( which is clearly the case here ) they are to remove the account immediately 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
Consumer complaint received 2021-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX  lowered my credit score without reason. I contacted them and they refuse to review my account.

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 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I checked my Citizens Bank checking account via both app and website on XX/XX/2021. The current balance at the top of the app/screen showed {$670.00} but the total of running transactions within the transaction part of the app and website state it should be {$810.00}. Looking at the transactions from the past day, the account was overdrawn multiple times due to the bank 's posting order of highest to lowest. While overdraft fees are allowed when disclosed, they should show up on the app/site clearly and immediately when done by the banking institution. When reviewing their posting order guide, overdraft fees should post second after deposits. However, the fees are not present on my account at all, and are definitely not present between deposits and other types of transactions. There is no way of seeing these fees, money has simply been taken out of the account. This is predatory and confusing, especially if it were to happen to someone who didn't think to check why their money was lower than expected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase- XXXX card : XX/XX/XXXX : I was booking a flight on united and got an option to apply for instant credit card to receive {$250.00} instant credit. So my flight cost was {$1300.00} and it showed in the advertisement on the final booking page that I will pay {$250.00} less. Also it said, i will get first bags free and priority boarding along with 35,000 miles after qualifying purchases. So I applied as it showed instant decisioning. 
Well, when I applied, Chase displayed the message that application in the review. Ok, 24 hours later no communication. There was no way to check status or option to cancel the credit card application. I called and they told me that there is no way to get to application as I don't have credit card account yet. Well, now, I have to use another credit card to pay for my flight ticket. 
Why Chase did provide false info that instant decisioning will be given? I would not have applied if it was 1 week later I am getting card. 

Also, I can't get free checkin bag as my credit card was not sent for 1 week. This is false information on their site and United+Chase should tell the truth. They must say, your next flight ticket after you get the card. 

So bottom line, I will have to pay from my pocket for checked in bag where United-Chase told on the advertisement that I will get it free on my current ticket. Well it will be on the next one and not current one. 
If I had known, I would not have applied for the credit card. 
Chase need to pay for my checked bag and provide compensation for false advertisement and information. 
I have taken screen shot of the United-Chase advertisement. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Lendmark Financial Services
State: NC

Complaint narrative:
There are two hard inquiries listed on my credit report that I have no knowledge of from Lendmark Financial on the dates of XX/XX/2021 and XX/XX/2021. I never gave consent to this company nor do I know of this company to give access to my personal information. I have never given written consent nor signed off on anything that has to do with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: IL

Complaint narrative:
I have been a consumer of XXXX XXXX for over 3 year. I have never been delinquent, and always in good standard. XXXX XXXX I became very XXXX. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my XXXX and unable to handle my affairs. Once I recovered I contacted XXXX and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but reported Me to the Credit Bureau as delinquent. I wrote them a write letter and email them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested from them due to such unfortunate situation being out of my control would they make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX XXXX XXXX son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to ha e this delinquent reporting pulled from My Credit Bureau. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I cosigned a vehicle loan for a XXXX XXXX XXXX serviced by Wells Fargo in XXXX. I came across some old paperwork and discovered, as many consumers have, that additional insurance was added by wells, even with traditional insurance in place. It wasn't apparent at the time why the payments had increased, but the loan was more difficult to service as a result, it eventually ended in repossession and civil court judgements that I've had to defend myself from as recently as XX/XX/XXXX. I financed a house and car in XXXX, the rates of which were impacted the legacy of Wells ' actions. Please contact me for further documentation I'd be glad to provide, to assist the CFPB in taking corrective action against Wells Fargo. The damage that can be done, and has been done to borrowers, particularly minority borrowers like myself, can not be undone with dollars and cents, but require regulatory action.

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 2021-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX Said they are changing how cards are paid ( etc ) Told me i would receive new card on or before XX/XX/2021, no card .... then was told it would be mid XXXX ... still no card ... then told mid XXXX for different card, still no card, then told end of XXXX, finally last week of My, Received new card, told to activate and register card, activated same, tried to register, would not take any info, called them. they registered on phone thru customer service,, still can not access card. However they said theyll take payment over phone ... ha. BTW intertest was added throughout time i could not use card ... .. this is unfair credit practices. please make them treat me fairly, i am a senior ... 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 monetary relief
Consumer complaint received 2021-06-03 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: NY

Complaint narrative:
I have an active XXXX account that has been in good standing for 13 years which was previously being reported but now its not. Ive contacted the credit bureaus as well as XXXX. But my issue has never been resolved its been about 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: NY

Complaint narrative:
I have an active XXXX account that has been in good standing for 13 years which was previously being reported but now its not. Ive contacted the credit bureaus as well as XXXX. But my issue has never been resolved its been about 2 years.

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