vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
This is the second capital one credit card to appear under my credit history. I have a freeze on my account too but it keeps appearing. Its not mine and when I go to calm capital one to close it, they cant find an account associated with my social security number. Ive never used capital one. But somehow I keep getting cards opened under my name on my credit report. Also how does a credit card keep being issued under me when I have a credit freeze?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: OR

Complaint narrative:
My XXXXXXXX XXXX XXXXXXXX XXXX XXXX card expired in XX/XX/21. I called the customer service line several times a day for a replacement card over the next week and waited on hold, with no answer for 30 minutes or more. I finally gave up and tried to close the account. Again I had to call customer service with no answer. Ive stopped using the XXXX account and switched to XXXX. Now the IRS has deposited money in the XXXX account and I cant access it. Ive been on hold several times with customer service throughout the day for 30 minutes or more and NO ANSWER!

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 2022-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I never applied for a loan. I kept receiving emails to this email address stating I was approved for a loan. I NEVER use this email address for IMPORTANT information. This is my junk email address. The email had my first name, however it was NOT my bank account info that the funds were sent to. I tried to stop this within minutes of receiving the email. I also called them to correct this error. I HAVE NOT APPLIED FOR THIS LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
After reporting a fraud charge on the account the company told me to continue making payments while it is being investigated. Once he investigation was finalized they determined it was fraud and I was told they will be sending me a refund check. This was in XXXX. I havent still received a check. Every time I call they say it will be arriving in 3-5 days. The last time I called they were not able to see my info due to system being updated. I already reported them to XXXX  but nothing happened so far. 
They are holding money that is not theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Tx, XXXX Value : XXXX Date : XX/XX/XXXX Account info Account name NATIONAL CREDIT SYSTEMS Account number XXXX Account type Collection Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX I don't know this collection. Someone used some of my personal information to pay for a rented apartment in XXXX, Texas, I have never lived in the city of XXXX or lent my name to someone who lives there. this account is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/XXXX my wife tried to make a {$5000.00} payment for our HELOC at truist. 
It didn't go through. 
the next day, there was no record of the attempt. no change in balance, nothing take out of our bank ( nfcu ) on XX/XX/XXXX, the tried again. same thing, nothing. 
on the XXXX, I called at XXXX and was on the phone until after XXXX they still had no record of the first two attempts. 
I asked the rep how I was supposed to make my heloc payment, she said she could do it for me. 
I asked her to be sure there was only going to be one. 
She said only the one she processes. 
The next day, truist processed three identical payments for a total of XXXX This caused my balance to go to XXXX, and XXXX charged me {$29.00} bounced check fee. 
truist says the only thing they can do is to mail me a check. they won't ACH, EFT or let me pick up a check at the local branch. they won't reemburse me for the {$29.00} bounced check fee. attached is transcript.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My unresolved dispute amount is for {$220.00}, the amount needed to make this complaint whole again. 
* I booked air travel on XXXX XXXX, XXXX to XXXX, CT, Confirmation Code XXXX, for XXXX XXXX XXXX ( flight # XXXX ) * I booked a reservation through XXXX XXXX for XXXX XXXXXXXX XXXX XXXXXXXX of XXXX for XXXX XXXX XXXX ( Confirmation Number XXXX ) on my Capital One Master Card for {$580.00} * Received e-mail from XXXX XXXX on XX/XX/2022 at XXXX XXXX  to Check In for flight on XX/XX/2022 * Received e-mail from XXXX XXXX on XX/XX/2022 at XXXX XXXX  that flight # XXXX on XX/XX/2022 XXXX to XXXX, CT was cancelled. 
* Called XXXX XXXX on XX/XX/2022 and received full refund of payment for cancellation of reservation XXXX ( XXXX XXXX  ) * Called XXXX desk to obtain full refund for cancellation of reservation XXXX since cancellation of XXXX XXXX flight was beyond my control. Booking.com/reservation desk only refunded {$340.00} to my Capital One credit card. 
* Called and started dispute with Capital One credit card for remaining amount of {$240.00}, the amount remaining from XXXX XXXX  refund due from {$580.00} charge to my credit card. Was issued a credit for {$21.00}. 
* Capital One continues to discharge the amount due to me {$220.00} for a refund of a reservation that was cancelled due to circumstances beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a complaint here with the CFPB on XX/XX/2022 against Transunion, XXXX and XXXX. I received a completed investigation update here on the CFPB site from XXXX on XX/XX/2022 which is within the 30 day. As of today XX/XX/2022 which is the XXXX day since my complaint. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Social Finance, Inc.
State: TX

Complaint narrative:
Sofi XXXX it seems they are in a lot of hurry to introduce new products without doing much home work. It took almost 2+ weeks for me to open the credit card with them. Yesterday I tried to open a dispute for a merchant. There is no online dispute method. Chat people don't help. Telephone support - lots of wait time. Finally telephone people is trying their best not to work for the customer by stating " please call the merchant ''. I told her that there is a wait of more than XXXX hours to talk to the merchant. How i can submit the documents for this dispute? She had no answers. 

XXXX XXXX XXXX at XXXX TX over charged my credit card on XXXX XX/XX/2022. XXXX was suppose to charge me {$15.00} but they charged me {$27.00}. I told XXXX person at that time only but she said - " it's been taken care of ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 602 A SECTION 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I wanted to purchase a laptop from Best Buy and they offered me 12-months free financing if I opened a Best Buy credit card. I agreed and provided my information to be approved. I was flagged on their system so I had to speak with a rep. from Citi Bank before they would approve the card. I waited for about 15 minutes and then was told that I didn't qualify for the card, however I did qualify for the Gold card with an annual fee of {$59.00}. He would not tell me why I didn't qualify for the free card. It seems difficult to believe that, if I had any credit issues ( which I certainly do not ), that I wouldn't qualify for the lower tier card but would qualify for the more expensive Gold card. I hung up and ended up paying in cash for the purchase. I feel that I was targeted by Citi Bank because of a high credit score and income to try and sell me on a product I did not want.

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 2022-06-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
You are disclosing my personal information to third-party companies to which I dont consent to You are invading my privacy. My nonpublic personal and or private information is not to be shared without my willful consent or direct express permission which I didnt grant you. You are defaming my character and it is causing me injuries I'm kindly demanding you cease the use of identity information to any third-party affiliates immediately. 

It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information it is your duty to honor consumers right to privacy by following the regulations congress has set forth for financial institutions to respect consumers right to privacy and to limit the sharing of information to affiliates when. If theres any consent that may have been given that granted you the opportunity to furnish such information to third parties or affiliates, this is a formal notice that I do not consent or opt-out. I'm demanding my non-public information shall not be shared with any third party or affiliates of your financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
The information below showed up on my credit report and I have never been notified of any debt owed to any medical provider ever. I had a large emergency visit bill for {$3600.00} that I worked with the medical provider to pay off ( XXXX XXXXXXXX ) and I have paid {$2600.00} of the balance to date. I have no idea where this expense came from and have an impeccable record of paying all of my bills in full and on time. 

Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$430.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
On XX/XX/2022, I contacted Cash Central and made a payment in the amount of {$140.00} to my account, using my debit card. The payment was completed and approved by the CSR from Cash Central ( she was VERY nice ). After we spoke, I checked my checking account and the payment debit was pending. 

On XX/XX/2022, I received a notification that the payment of {$140.00} was debited from my account and payment was successful. 

On XX/XX/2022 at XXXX, I received an email ( included in attachments ) from Cash Central stated that they were trying to contact me to make a payment on my account. I immediately contacted Cash Central and spoke with a lady was NOT helpful, unprofessional rude and very dismissive. I explained to her that I received an email in regards to my account and that my payment was not received. She placed me on a brief hold, and when she returned she stated that the payment made on XX/XX/XXXX " bounced '' and was not posted to my account. I explained to her, throughly, that the payment was NOT returned or revoked, and it completely cleared through my bank. She continued to REPEAT the same exact statement that she originally stated, so I proceeded to ask tell her that I wanted to speak to a supervisor. She then hung up the phone ( YES, HUNG UP ). I called her back and told her that she hung up and how rude and unprofessional she was being. She then proceeded to tell me to email customer service a copy of the bank debit that shows that the payment went through. I told her that every time I email Customer Service, I don't receive a response back and it's just a waste of time. I then asked her if she could provide me with a Supervisor or Manager email address. She then put me on hold and NEVER returned. 

When I hung up, I immediately contacted my bank ( XXXX XXXX XXXX ) and explained to them what the issue was and if they could verify that the payment was either returned or revoked. The gentlemen stated the payment in the amount of {$140.00} WAS NOT returned or revoked and it cleared XX/XX/2022. 

Cash Central is the absolute WORST!!! There customer service is HORRIBLE and every time I call, the calls are handled unprofessionally and my situations are NEVER handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A synchrony bank credit card was opened up under my social, I received a bill with someone elses name. But company refuses to remove this fraudulent card debt from my 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 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
The Mortgage is in CARES Act forbearance. In XX/XX/XXXX I entered a Trial Period Plan with the servicer. Pursuant to the plan, I timely paid servicer 3 trial payments. The final trial payment was made on XX/XX/XXXX. I contacted the servicer several times asking when I would receive the modification documents and was told they were being processed. I called the servicer on XX/XX/XXXX and spoke to XXXX XXXX. She requested trust documents which I sent her the same day. She responded to my email and confirmed receipt of the trust documents. Unable to reach the servicer by phone, I sent a letter on XX/XX/XXXX by registered mail asking that the loan modification documents be provided. I did not receive a response. I called several more times to inquire about the status and was finally told last week that the trust documents had been misplaced and therefore servicer had sent me another Trial Period Plan, requesting that I make another 3 trial payments. I was told the new Trial Period Plan proposal was sent on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received it. I would prefer that the servicer and lender not breach the original bargain and send me modification documents to sign pursuant to the original Trial Period Plan letter.

Company response to consumer: Closed with explanation