vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 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: TX

Complaint narrative:
I was looking at my credit report and noticed the following unauthorized inquiries can you remove them from my credit report immediately 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 )

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 2021-07-02 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: TX

Complaint narrative:
I have been letting Equifax know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX three fraud charges were made on my debit card {$54.00}, {$65.00} and {$16.00} for play station charges. The bank told me to dispute it with XXXX XXXX and the XXXX XXXX website told me to dispute it with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: TX

Complaint narrative:
I was looking at my TransUnion & XXXX credit report and noticed the following unauthorized inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX To XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Can you remove them from my credit report immediately

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 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am trying to request some statements and credit card agreement from XXXX XXXX ( Comenity Bank ). However, I am told that they are unable to mail me my credit card agreement because they are no longer my lender. I've tried requesting twice via phone on XX/XX/2021. I made a call at XXXX and I tried again at XXXX. 

According to CFPB, " By law, the issuer must make your agreement available to you upon request. If you are having trouble getting your agreement, let us know by submitting a complaint. '' For this reason, I am submitting a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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:
I have reached out to each of the Credit Bureaus and they have failed to respond to any of my disputes. I reached out to them on XX/XX/2020 and informed them that I was a victim of Identity theft and that the accounts on my report did not belong to me. They have refused to respond to my request.

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 2021-07-02 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: GA

Complaint narrative:
I have reached out to each of the Credit Bureaus and they have failed to respond to any of my disputes. I reached out to them on XX/XX/2020 and informed them that I was a victim of Identity theft and that the accounts on my report did not belong to me. They have refused to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX credit card you have to make the payment before XXXX XXXX they doing that to charge late payment on top of that after you have you balances in XXXX they still charging you with interest no matter if your balance it XXXX they charge interest. I have proof they abuse let me know thanks email me with details please XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I contacted American Express about paying off the portion of my balance that has the highest APR of 18.24 % - as of my last statement that was {$3400.00}. I also carry a balance of XXXX at a lower APR of 15.24 %. I made the minimum payment on my account for this month. Based on my experience with other Credit Cards, I should be able to make an additional payment this month and have that amount apply to the amount carrying this highest APR ; the XXXX. However, I was informed by two different service representatives with American Express that any additional amount paid to American Express would be applied, in my case, to the amount with the lowest APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: HUNTINGTON NATIONAL BANK, THE
State: MD

Complaint narrative:
In XXXX of XXXX I made a few extra payments to a car loan I had with Huntington bank. the payments were handled with a representative over the phone. I was leaving the country for a couple months and I wanted my payments in order before vacation. By mistake, a portion of the funds were applied towards the principal and not towards the upcoming monthly payments. It took months to reverse the transaction and to allocate the funds towards the intended purpose. I spoke to account specialist multiple times and they assured me that due to the mistake, there would not be any harmful events in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XXXX I submitted a valid dispute with Equifax regarding a bankruptcy tradeline. On XXXX the investigation was complete but I was not notified and found out from looking at my credit report. When I went onto the Equifax site, where they indicated to view the report, it does not allow me to see it or even download it. My report indicated the dispute was validated by Equifax, which is not the furnisher and they indicated on their investigation process they contact the information furnisher. The furnisher is US Western District Bankruptcy Courts. When I contacted them, they advised they DO NOT valid or even report to the credit reporting agencies. This information leaves the investigation to be false and misleading. The law indicated they have to contact the furnisher, not anyone else. So if the information is court information as they state, where they obtain the information means they are using the courts to mislead the consumer and actually lying about any investigation of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This company IC system is illegally re-aging my debt which is in violation of the fair credit reporting act. This acct was was settled in XXXX  and IC had it then. They never removed from my reports and Ive disputed this several times with no resolution they just keep re-aging it. I have attached my payment letter from the original creditors which they are ignoring

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 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Due to the covid-19 pandemic, I was stuck overseas from XX/XX/XXXX to XX/XX/XXXX. My XXXX+ Visa Signature Credit Card issued by Bank of America was closed due to long-term inactive. Since I was not able to reach any physical mail notification sent from Bank of America, I had no clue the card is closed till XXXX. I tried to contact Bank of America to figure out any solution to recover my credit card and the unused reward points on this card but I still have not received any reply from Bank of America yet.

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 2021-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
Subject : Verification of Employer for Public Service Loan Forgiveness ref Acct # XXXX XXXX XXXX I have continuously called and spoke with their loan thats been administered by Fed Loan Serving. At this point, I have been faithfully serving the state of Texas for nearly 20 years and taking care of my student loans and Public Service Loan Forgiveness ( PSLF ) applications. I have submitted several student loan forgiveness applications only to be told that its under review and its been under review for more than six months. Also, when analyzing my profile there are some payments as well as some of my state service that is not listed correctly. I submitted a request to get the account analyzed again and was told that someone would call me back. However, no one is phoning me back I have called into the customer service department a tremendous number of times! I have emailed and I have escalated the email correspondence and I am getting the runaround. I having the student loans on my credit is hindering my ability to apply for loans and I feel like I have satisfy the terms and conditions just as many others have mentioned and I am not being treated fairly and just by FedLoan Servicing they are basically ignoring my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a text stating there were transactions made with my account, I text back stating it was not I. I began receiving email notifications that there were an added payee and three wire transfers going out out my account. In the many years I have been a client I have never had a payee or set up wire transfers. Someone hacked into my account. I immediately find a cab to the nearest bank to block any transactions. The following day they transfers were allowed out of my account to a fraudulent account to a XXXX XXXX in XXXX XXXX XXXX. I am from XXXX XXXX, I stopped by the to make a police report, FBI report online and call Citi Bank to address the issue for two months now. Citi Bank is refusing to return my funds, blaming XXXX XXXX. I am a single mother who's lost her job during the pandemic, my family XXXX not have a home due to rent not being paid. The amounts were of XXXX, XXXX and another XXXX. None of which has been returned to my account. I need help. Citi Bank has done nothing to help. I have never given authorization for any of my money to be released, no one has ever called me from City Bank to ask for any verification to release my funds, again, I closed my account on XX/XX/XXXX, my funds were released on XX/XX/XXXX to XXXX XXXX via wire transfer without my permission. They mentioned that I " neglected '' my account by providing a code to a person over the phone ( the person who was ALREADY set up all transactions made and hacked into my account ) Yes when they called I believed it was a representative from Citi Bank. However, I not provide any personal information what's so ever, the person actually asked me to hold on until they " transfer '' me to " someone else '' as I explain to them that I was heading to my bank. I have the text until this very day, I closed my account as soon I could reach the bank in time. However, after blocking my account Citi Bank transferred my funds on XX/XX/XXXX, without reaching out to me, even when noticing suspicious activity, unfamiliar devices that were used while making these wires. This information was provided by XXXX from the wire department who pulled up this information on file.

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 2021-07-03 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 was looking at my XXXX & Equifax credit report and noticed the following unauthorized inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX To XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Can you remove them from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: ERC
State: TX

Complaint narrative:
my purse was stolen with along with all my documents my drivers license, social security card, and birth certificate, someone tried to obtain credit under my name and they are inquiries on my report that i don't recognize and other creditor that are not mine that i would like to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX, I submitted a wire transfer of {$5000.00} and a fee of {$25.00} with my bank XXXX XXXXXXXX XXXX. Attached, you will find supporting documentation. The wire transfer was promised to go through in 3-5 business days at the latest. The bank said the transfer would be completed by the end of the day. 
The money was supposed to be transferred to my Binance account. 
My Binance user ID is XXXX. 
I did receive a transaction notice on my account that the wire transfer for {$5000.00} was pending at XXXX on the same day. However, since then I have not seen the money added to my account. 
I have contacted Binance support and have only received one response back on XX/XX/XXXX asking if the issue was resolved. I promptly responded the same day and have not, to this date of XX/XX/XXXX, received a reply or a solution to the problem. 
I also attempted to have my bank recall the funds because of missed opportunity, however that action was not successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I had a lease with Ally for my XXXX XXXX XXXX, XXXX XXXX, Account Number : XXXX, Contract Date : XX/XX/XXXX. The lease and car was paid off by my credit Union, XXXX XXXX XXXX, but I never did receive the title for my vehicle from Ally in the mail because I relocated from my previous address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, to my current address. I moved from XXXX in XX/XX/XXXX to XXXX So thats why I didnt receive my car title for my vehicle. I need my title to get a car title from the state of XXXX Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2021-07-03 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 — Investigation took more than 30 days
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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 was looking at my credit report and noticed the following unauthorized inquiries.

Transunion : Onemain 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 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 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 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 I did not authorize these inquiries.

Can you remove them from my credit report immediately.

Company response to consumer: Closed with explanation