vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We have a Home Depot credit card issued through Citibank. It has a XXXX balance. 

On XX/XX/21, {$3000.00} was accidently transferred via our bank 's bill pay system to the Citibank/Home Depot card.

Currently, we have a {$3000.00} credit on the account.

Citibank/Home Depot is refusing to return the funds in any format. They refuse to transfer the funds back to the account from which they came, to the account linked to the credit card, or to issue a paper check.

Because one spouse is listed first on the bank account ( although it is a jointly held account ) and another spouse is the primary user of the credit card, Citibank/Home Depot claims they can not return they funds. Both spouses share a mailing address.

Citibank/Home Depot has been provided with copies of routing information regarding the transaction and joint ownership verification of the checking account. 

The loss of access to these funds is a hardship for us. A satisfactory resolution would be the return of the funds in any way -- to either or both spouses.

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 2021-07-20 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit acceptance has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent Credit Acceptance a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.

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 2021-07-20 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: GA

Complaint narrative:
Please send to XXXX and Equifax. 
I did not authorize these hard inquiries on my credit report. This is fraudulent please remove these as followed XXXX  : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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:
Please send to Tansunion and XXXX. 
I did not authorize these hard inquiries on my credit report. This is fraudulent please remove these as followed Transuion : 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

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 2021-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I have attempted to correct this situation with Honda Financial to no avail. I sold a leased vehicle in XXXX XXXX and the license plates were sent to DMV to be cancelled. Honda Financial is attempting to collect pro-rated funds in the amount of {$130.00} for past due personal property taxes for XXXX. I did not own the vehicle in XXXX and the county does not assess property taxes until XXXX. 

Honda Financial has admitted they have filed for an abatement for refund of the personal property taxes they incorrectly paid which means they know it was in err. They had the necessary documentation in XXXX to decline the tax assessment as it was not valid. 

At this point, Honda Financial has place a delinquency on my credit report which has caused my harm financially. This needs to be removed immediately and the amount owed is not my debt nor responsibility

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: TX

Complaint narrative:
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$260.00} Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$630.00} past due as of XX/XX/XXXX. 



fcra violations see HIPPA VIOLAITONS

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 2021-07-20 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: GA

Complaint narrative:
The following accounts being reported on my consumer report are a result of identity theft. These items being on my report are affecting me tremendously and is holding me up in being able to provide things for my family. I have attached the FTC 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 2021-07-20 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: TX

Complaint narrative:
I disputed hard inquiries reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the unauthorized hard inquiries from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
An Account with CapStone CC showed up on my credit report for an account with 09 The Park At XXXX XXXX. I sent a letter via certified letter 3 times which the company received. The tracking number with USPS is XXXX. This was sent to the bureaus and they directed the message and nothing was done. The company has not sent me any documents validating this debt and is ignoring the fact that this is IDENTITY THEFT. I sent them documents to prove its not mine and they have been ignoring my letters and not removing this account that IS NOT MINE off my report. I requested the agreement between the collection company and the original creditor with my signature and ID showing this was me and they never responded. This is an apartment leasing company and im sure they would need ID before adding this to anyones credit. This account is still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2021 I received a text saying someone was trying to use my bank card and if it not me reply no. I replied No. moment later I received a call from a Wells Fargo # with name identified the same. He said his name ( dont remember ) and said he was from the fraud department, He asked about this transaction as well as an online line transfer and wire. I said no and was trying to correct the problem for me. I gave him my social and well as bank info. After an hour and 40 min the phone call was lost. I called the bank to try to continue the process and was told they had no record of talking to me. I gained access to my account and saw XXXX was GONE! I filed a claim and receive new bank Accounts. The money was on online transfer from other accounts then wired. I was informed my account was trying to be accessed 5 times was sent 17 different codes and they were going to attempt to get the money back. 
A week later I called to check on the claim and was told I was denied because of the way it happened. I was told there was NOTHING that could be done and after 5 or 10 min of disbelief She finally gave me the bank and transfer # s which are out of state. I filed a police report and went to my local branch and was told to refile the claim and the claim has been sent to the executives. I was very upset and crying in the office. I just hope that the higher up will look foe more to know that I did not with intent wire these funds and the bank was misrepresented. I would just like to be made whole again in my account. I have all the screenshots of that day with the duration of the call and number.

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 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/2021 I filed a dispute with Chime in the amount of {$600.00}. Due to not receiving my shipment I ordered. Over the course of three months I called Chime weekly for updates. They gave me the ran around. I was told I will have my money or a decision by XX/XX/XXXX today is XX/XX/XXXX I havent received anything. No one is given me any info and its really nerve wrecking. I own a business and have bills. I just want my money back put money for pain and suffering I had to experience. Chime is very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I need to unfreeze my credit with all three credit services in order to refinance my mortgage. This is a time sensitive process and all three companies promote easy web based freeze and unfreeze procedures. 

However when I try to login to Experian website they do not recognize my login credentials.I suspect they deleted mine and many others credentials in response to security breaches. 

When I follow their procedure for 'forgot username ' they do not recognize my email address so will not send me my my username. When I follow their procedure to resolve this they ask for my social security number and date of birth. When I enter these they say they don't match their records. Good grief, I think I know what these are!!!!! Tried multiple times and there is zero chance I entered them wrong. 

So there is no way to unfreeze my credit online or access my Experian account. 

I called Experian at XXXX I followed the voice response unit instructions to unfreeze my credit entering SSN, PIN, start and stop dates etc but this does not result in unfreezing credit report ... .it only gets you to instructions on how to unfreeze by mail or website. I already tried there website and the mail is not an acceptable solution ... .this process is time sensitive. 

Experian provides no opportunity to speak to a representative to resolve their website login issues and therefore their claim that the consumer can freeze and unfreeze credit reporting easily is false. I tried to resolve this with them on XX/XX/XXXX and XX/XX/XXXX without success.

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 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Arena Investors, LP
State: NJ

Complaint narrative:
XXXX XXXX of SRA collections left a voice message on my work voice mail regarding an alleged debt i owe. XXXX XXXX left a detailed message on a non private voice mail system which my assitant has access to. Im currently away on business trip and she is checking my messages, this is illegal according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XXXX XXXX i got in contact with trans union wrote a dispute DEMANDING Transunion to REMOVE 1 collection of : XXXX XXXX XXXX of my account that is being reported inaccurately they never responded back, I've disputed these 2 collections with the 2 bureaus XXXX  and XXXX  and they REMOVED them instantly ..TRANSUNION has violated my rights constitutional rights the list below follow : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains

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 2021-07-20 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/21 an ordr from XXXX for {$59.00} was cancelled but the charges went thru to my chase card ending in XXXX. I called chase 2x- first time spoke to XXXX who said she would cancel my card and issue a new one- ut would not reverse charges. I then called again and asked for a supervisor- waited 27 minutes- no supervisor responded. I have attached the email from XXXX indicating i would not be billed for the $ XXXX and proof chase billed me for such.I have made a complaint to the Washington XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 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: MA

Complaint narrative:
Over the past year or more!! I have been trying to get TransUnion to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. 20297 TRANSUNION LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that Trans Union Remove from my credit reports as well as inform XXXX  and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it s reporting to avoid my having to sue Trans Union for false reporting. Please see the attached showing that XXXX XXXX  does not have standing and never had any rights to bill me for the 32 yrs it has been collecting on this fraudulent account. This is in addition to the document experts proof affidavit already in Trans Unions records I already furnished them with previously stating my signature is forged and etc ... I want this fraudulent account report removed immediately. XXXX XXXX is hidden but the attached shows the mortgage was sold to XXXX XXXX then FDIC then XXXX XXXX XXXX XXXX, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.

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 2021-07-20 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: NJ

Complaint narrative:
I learned a few weeks ago that Experian was not reporting all of my accounts. My XXXX XXXX credit card accounts and my Student loans were not included. I called them and asked for help. They said they filed a report and would get back to me. They haven't. I then learned that XXXX of my XXXX XXXX XXXX XXXX were closed. This is my main credit card and is essential to me. I called XXXX XXXX today and they said that the account was reported as Fraudulent therefore the account was automatically closed. I received no notice of this. I only realized it when I logged in to my account this morning. I called Experian today to report on this and was put on hold for 2 hours. I gave up and called again later. This time when I called, there was no option for me to reach the fraud or dispute department from their phone options. I had to call a random department and get them to connect me to someone there. Then while the agent was researching my report, they hung up. I called again, and someone from disputes told me that I have two Experian records with two different PINs and that he would put in a request to merge the two. He sent me to someone else to work on the closed credit card issue. I found out the following day that my twin sister 's experian account was being mixed up with my own. They had been reporting it incorrectly forever as far as I can tell. We have similar names and same birthdates. There is definitely concern with how my sister was able to report the XXXX XXXX account as fraud. I'm not sure what identification she verified but the XXXX  XXXX account has all of my information on it, yet she was able to close the account. I believe XXXX XXXX may also have dupe records and perhaps she verified the one that Experian was incorrectly reporting. As of today, we have cleared up the issue with my credit card however Experian is outstanding.

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 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I have the XXXX XXXX credit card and have attempted to use my XXXX XXXX on several occasions. Every attempt I make get denied or marked as fraud. They give me these fake credit card point that they say are work money which you can never actually claim the points. There support gives me the run around every time with the same " We'll get back to you '' response I wait days and weeks and dont hear anything. 

I originally place an order to redeem my XXXX points on XXXX first into the form of a XXXX gift cards. I waited 7 days and did not receive my order from XXXX so I called there gift card support department. I wanted to confirm my order had gone through to which they told me to continue waiting. I waited another week and called on XX/XX/XXXX to which XXXX informed me that the purchase I made myself AND called to confirm was marked as fraud. The agent informed me that she marked it not fraud and that she replaced the order. I called a week after that and the order still hasnt been placed. I attempt to online and am no longer able to because I get an error code on the website not permitting me to place the order. I call again and the agent gives me rudimentary IT support and says that he put a ticket in for them to reach out. 4 days later I still had no contact from delta. I call again today XX/XX/XXXX and the agent informs me not only had the order not been replaced but my account was still marked as fraud. I speak to a manager who tells me that my account should be good to go and to try placing the order online again. I attempt to login to XXXX and It informs me that my account has been suspended. How during this whole process of my calling to confirm it was me placing the order my account was suspended is a mystery. I have to submit a photo ID for a credit card account which seems extremely suspicious in the first place and I receive an email saying XXXX will reach out to me in 10 business days. 

I am reported XXXX for False advertising and purjury having lied to me numerous times about activity done to my account, false orders that wernt placed. locking my account after I confirmed it was me numerous times. Invasion of my privacy asking for photo Identification to simply unlock my account. And for not allowing me to use my XXXX XXXX that I earned through there credit card reward system they claim can be used anytime.

Company response to consumer: Closed with explanation