vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 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: MI

Complaint narrative:
I XXXX XXXX a consumer in fact a natural person on XX/XX/2021 noticed on my consumer report from Equifax several inaccurate and unfair practices. Equifax breached my right to privacy by furnishing a consumer report that I never gave them written permission to furnish pursuant to 15usc1681 ( 2 ). It has been damaging my reputation badly and my public confidence. This false report has not been equitable to me at all. Equifax is in violation of 15 usc 1681n and 15 usc 1681o for willful noncompliance and negligent noncompliance for failing to comply with federal law. I authorize the federal trade commission to enforce compliance with the requirements of the subchapter under the federal trade commission act. Pursuant to 15usc1681s ( 2 ) I demand compensation for the harm and injury that Equifax has brought upon me the consumer for knowingly violating and practicing the behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: NY

Complaint narrative:
On XX/XX/21 a credit card was fraudulently opened under my name. The account is XXXX with XXXX limit of {$400.00}. There is a {$330.00} balance on the card that I can see from my report. I did not order this card. I have not used this card. It is not my card. It is identity theft. There is now a hard check on my credit report that has lowered my score. On XX/XX/21 I disputed this with Experian. On XX/XX/21 I called XXXX at XXXX to dispute the veracity of this fraudulent. account. On XX/XX/21 I received a notice from Experian informing me that they have verified my complaint with XXXX  and that they find the card information to be " accurate. '' I don't see how the accuracy of the identity thief is relevant to the fact that this is identity theft. Experian 's motivation in investigating a dispute should be in service of the account holder and eliminating illegal activity. Instead, they collude with the criminal. Neither companies have identified nor acknowledged the fact that I am the victim identity theft whatsoever.

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 2022-01-15 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: OH

Complaint narrative:
On XX/XX/21 I disputed that you are reporting inaccurate information and to please validate and update this this account ( XXXX XXXX ) to paid as agreed. To this day it has not been updated as requested. FCRA states that information must be verifiable and 100 % accurate! This account does not have ( Term 74 months ) I have not signed a contract with 74mos. nor have I ever been late on this account. 

I Demand that this account be updated immediately to " PAID AS AGREED '' or I will file for ligation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 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: GA

Complaint narrative:
TRANSUNION INQUIRIES WITHOUT MY CONSENT OR KNOWLEDGE REPORTED TO THE POLICE FOR BREECH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX 4.XXXXtransunion interact XXXX XX/XX/XXXX XXXX alert XXXX XXXX XXXX XX/XX/XXXX 6.Transunion Consumer int XX/XX/XXXX threw XX/XX/XXXX 7.Transunion XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX via Transunion XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX via Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion Interactive XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX threw XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I received my statement in the mail from Comenity - Ultamate Rewards Mastercard and initiated payment via my bank on XX/XX/XXXX and my bank records indicate the payment was delivered by XX/XX/XXXX. Comenity claims they did not receive payment until XX/XX/XXXX and issued a {$31.00} late fee. I do not feel that I was justly charged a late fee, nor should I have this reported on my credit. The company would only offer a {$15.00} credit and requested payment over the phone with them that would be a {$9.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america suspended my account but they took out the money owed them but won't give me my money. I want to close my account so they can return my XXXX dollars they have of mine my account number is XXXX its my savings account My name is 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 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
MY ACCOUNT WAS CLOSED BY CHIME XXXX XXXX I WAS ADVISED TO SEND DOCUMENTATION TO BE FURTHERED ASSISTED IN RETRIEVING MY FUNDS FROM THAT CLOSED ACCOUNT ( I SENT EVERYTHING THEY ASKED { FULLY IN COMPLIANCE WITH A CHIME MEMBERS GUIDELINES } I HAVE BEEN IGNORED AND I HAVE RECEIVED NO EXPLANATION OR RESOLUTION FOR ME OBTAINING MY FUNDS I HAVE MADE MANY DESPERATE CALLS FOR HELP NO ONE HAS DONE ABSOLUTELY ANYTHING TO HELP MY SITUATION MY ACCOUNT CONTAINS ( {$1500.00} ) OF MY HARD EARN MONEY AND I WANT ACCESS TO IT IMMEDIATELY I AM GETTING ADVICE FROM LAWYERS AND MAKING POLICE REPORTS BECAUSE CHIME IS TRYING TO STEAL MY MONEY I AM FACING EVICTION WITH A SICK CHILD ( I WILL HAVE A NEWS STATION TO COVER MY STORY ) I HAVE EXPLAINED THAT TO CHIME MEMBER SERVICES AND I STILL RECEIVED NO SENSE OF URGENCY OF CARE FOR MY FAMILY CHIME MEMBER SERVICES HAS COMPLETELY STOP RESPONDING TO MY EMAILS AND ALSO HAS BLOCKED NUMBERS I HAVE ACCESSED THEM ON CHIME HAS CAUSED ME SURE STRESS AND CAHOS IN MY LIFE IT HAS BEEN OVER 10 DAYS & I HAVE NO IDEA WHY I DO NOT HAVE ACCESS TO MY MONEY I AM COMPLETELY HOPELESS ANE NEED HELP ASLO, STRIDE BANK N. A. ( MEMBER SERVICE DEPT ) COMPLETELY UNDERMINE ME AS A PERSON ( WAS TREATED VERY RUDE ) THIS IS ONE OF THE WORSE EXPERIENCES IN MY LIFE ITS HIGHLY POSSIBLE I COULD BE XXXX SOON I AM IN DESPERATE NEED OF HELP AND CHIME MEMBER SERVICES ARE TO BLAME AND THEY HAVE NO SYMPATHY WHATSOEVER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XX/XX/22 American Express called my husband and discussed my account with him when it is in my name only. My husband has nothing to do with this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was incorrectly charged 3 overdraft fees on XXXX, XXXX and XX/XX/10. Each for {$34.00} for a total of {$100.00}. 

These fees are incorrect as I moved deposits over from my attached savings account to cover the balances. Also, each time I made the transfer, I received emails from Citi Bank thanking me for the deposit with the email stating I have avoided any fees as a result. 

This is a problem that has always plagued Citibank as this has happend before and when I call, the customer service is Horrible and I am always told " we will reverse is this 1 time but not again '' and its labeled a Courtesy when in reality it is a Citi Bank error. 

That brings me to the Customer Service on this matter. I have called Customer Service and used the chat services in the Citi App over 3 times and the service is below horrible. Twice I was told, " It was been reveresed and you will see the cash returned '' Ofcourse it never happend. Another time I demanded a Supervisor and was told " I see the error, I requested it to be credit to your account but I need to call you back once its approved '' .... and ofcourse, No call back or refund. 

Horrible, Horrible, Horrible. 

So I am now left to submit a complaint to correct an error and get my {$100.00} refunded. Being with Citi for almost 20 years, this is just obsurd and honestly pathetic. 

Please see the attached chat I took a screen shot of as proof and refunded the {$100.00} as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15 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: TX

Complaint narrative:
See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone changed my mailing address & username, to login in.. 
i have XXXX missing CD... had them XXXX XXXX to XXXX ..now there no record or tax records ... iv NEVER closed my CDs ... .Chase bank of XXXX XXXX tx XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX Thank you ... XXXX XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neat Capital Inc.
State: VA

Complaint narrative:
I applied for a mortgage with Neat Loans LLC, received preapproval and began the home buying process. 

Due to the nature of my self employment, the underwriter requested documentation about my line of work, and other clarifications. After submitting documentation, I was told the underwriter was satisfied and that the loan was approved. This included bank statements, YTD profit and loss statements, client contracts, and numerous other supporting evidence. 

Knowing we received this confirmation that we were approved, we proceeded with the purchase of the home including expending over {$800.00} on fees to complete multiple inspections of the property. 

With only two weeks from closing, I was informed on XX/XX/XXXX that the underwriter who had approved the loan had left the company and that a new underwriter was assigned to my mortgage. I was also informed the new underwriter had reversed the approval and requested that a XXXX tax return be filed before they would approve the loan. 

Unfortunately I dont have the ability to file my XXXX return yet, due to not receiving W2 and 1099 forms from employers. 

I made numerous requests to speak with the underwriter, or provide any documentation that could assist but was unable to speak with anyone else. They have decided not to honor their original loan approval and made false statements about their ability to lend, leading to me losing hundreds of dollars, dozens of hours in time investment, and a lost real estate deal. 

Its worth noting that the lending advisor stated numerous times on the phone that this was the negligence and error on Neat Loans part, and completely their responsibility. Most of these statements were made over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/2021, I wrote to Midland Credit disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/2021, I received a letter back from Midland Credit. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. 

On XX/XX/2021, I responded back to Midland Credit, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX. 

As of today, XX/XX/2021, I have not heard back from Midland Credit, and they are still reporting the collection account on my Credit Report. I gave them 20 days to respond back and delete the account from my Credit Report but they have not done either. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. Please assist me in obtaining a resolution, thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and also the original creditor of an open-end credit plan, was denied my right of credit by CAPITAL ONE SERVICES II LLC d/b/a Capital One. I was advised of this transgression of my consumer rights, specifically 15 USC 1601- The Truth in Lending Act, by CAPITAL ONE SERVICES II LLC d/b/a Capital One via U.S. mail. The most recent response was received on XX/XX/2022, however, there were XXXX prior denials of my ability to access my open-end credit plan where they continued to violate my rights. 
In accordance to 15 USX 1502 definitions of the Truth in Lending Act. I as the natural person possessing an open-end credit plan was harmed by CAPITAL ONE SERVICES II LLC d/b/a Capital One advise action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) are up to {$5000.00}. CAPITAL ONE SERVICES II LLC d/b/a Capital One is liable to pay me for my damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: OH

Complaint narrative:
On XX/XX/21 I disputed this account ( XXXX XXXX ) was reporting inaccurate information ( Terms ) on my report. I have not signed any contract terms with 74 mos. or ever been late on this account. I requested that you verify and update this information and to this day you have failed to resolve this issue. I demand that you update this account to " PAID AS AGREED '' or I will litigate this due to the stress you have cause 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 2022-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
All of my XXXX counts shows late payments that are inaccurate. Ive tried several times to fix this issue and XXXX refuses to do a thorough research of my account. I am showing late payments on my account after a unemployment forbearance was submitted. XXXX replied back stating that these were prior to forbearance when it fact I completed my documentation and had many phone calls to make sure there were no late payments or defaults. The loans were sent to default and after a lot of calls, emails and complaints XXXX realized it was an error on their behalf and rescinded the defaulted loans and placed back into good standing.This matter needs to be thoroughly investigated and case should not just be closed bc XXXX responded with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
Central Portfolio Cont. has made a fraudulent claim on behalf of XXXX XXXX XXXX I to the Credit Bureau stating that I owe a debt of {$810.00}. They are stating per my credit report that the debt/collection was open in XX/XX/XXXX, however after speaking with them via phone, they stated that this is a debt from XXXX and was XXXX on XXXX. They are refusing to give paperwork stating that this is a debt from XXXX and XXXX in XXXX. It also states that the debt was discharged on my credit report however it still states that it is a new debt due to Central Portfolio Cont. on behalf of XXXX XXXX XXXX I falsifying the date on my credit report. In the state of Virginia the applicable statue of limitations is XXXX years. After the statue of limitations has expired, a creditor or debt collector can no longer file a collection of that debt. They are also in violation of the Fair Debt Collection Practices Act ( FDCPA ) due to this being a time-barred debt and falsifying the date of the debt as stated on my credit report.

Company response to consumer: Closed with explanation